BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: DC
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 tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: OLD NATIONAL BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
As a Victim of Identity theft. I have received Banks statement from many Banks. I had contact with those Banks and closed. The only Bank that I hve left to investigate and close is Old National Bank through XXXX but the Account wasn't able to closed. The address of the bank the the theft open under my name is XXXX XXXX XXXX XXXXXXXX IN XXXX .I called XXXX XXXX , The Bank Fraud Investigation , Her phone number is XXXX. 
Fax number is XXXX is XXXX. I had called the Banks many time to close the account. XXXX said because the natural of deposit she could not close the account. She asked if I ever had United state saving bond which presume the account can not be closed. On Friday XXXX, I received two form XXXX  sent from Old National Bank. The first Account number on XXXX is XXXX earned interest income is {$14000.00} and the second account number is XXXX earned {$15000.00}. Both for the Identity Theft used my Identity to these accounts and get interest income. It is Criminal and unlawful. Also, The Identity Theft open ONB Every day Checking account number is XXXXWith amount {$6000.00}. Please help me to close these accounts and adjust form XXXX that effect my Tax Return. Thanks for your help and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 tried contacting XXXX on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.

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 2019-09-19
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During a marital separation which happened in XXXX of 2018, we fell behind in our mortgage payment by one month with Vanderbilt Mortgage and Finance. Now that I am the only one residing in the home, I tried to refinance to lower my mortgage payment and interest rate. After securing a loan, a three way call  was done to obtain the pay off price between XXXX XXXX, Vanderbilt and myself. shortly after, an agent from Vanderbilt, who gave his name as XXXX, called me to discuss a two month deal that would be tacked to the end of the original mortgage. Being retired and on a fixed income, I agreed still thinking of refinancing. Well, XXXXXXXX XXXX called and told me that now I was two months in arrearrage, thereby denying loan approval. 
Now Vanderbilt is trying to make me complicit in an improper increase in my mortgage payment, I will attach all pertinent papers and correspondences with this complaint. They have cashed and endorsed a refund check that was made out to both of us by an insurance company I dismissed. {$1500.00} they claimed to apply to an insurance company provided by them even though I obtained my own insurance with XXXX XXXX. It is illegal to have two policies and I told them that. They still have insurance added in my mortgage even though the policy was sent to them by XXXX XXXX. I feel as though they have stolen my money and have placed me in a position that added to me having to be hospitalized with XXXX related issues. How is it that they confiscated my refund check, say that it went to pay for a years insurance, increase my mortgage by 500 % when I am paying my own insurance. This is a " Predatory ''  lender and must be held accountable by some means, I have tried to reach out to a Mr XXXX XXXX, who was all so happy when we were in the purchasing process, to assist us.

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 2019-04-10
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow account is incorrect. My property taxes are XXXX. Half ( XXXX ) is due XX/XX/XXXX and the other half ( XXXX ) is due XX/XX/XXXX. The mortgage company paid both halves ( XXXX ) in XXXX of XXXX instead of XXXX that was owed at that time. When they did the escrow analysis in XX/XX/XXXX they showed the taxes for the year as XXXX instead of the actual amount of XXXX. This in turn has shown a shortage in the account that they want to increase my payment by XXXX to cover when there is actually no increase. I have tried repeatedly to get this corrected. I first discovered that they paid both halves of taxes in XXXX sometime in XXXX and messaged the escrow department via there website in XXXX of the mistake. Then in XXXX when I found that the escrow analysis was incorrect I spoke with customer service and eventually ended up with XXXX XXXX. She said that she understood my problem and would contact the escrow department to get it corrected. I emailed her documentation that showed the property taxes and when the payments were due. She told me to give her a week and she would call me back and let me know what was going on with it. I did not hear back from her and contacted her by phone ( voicemail ) and also emailed her. I finally heard back from her after 2 weeks and was told that the taxes were not overpaid and the account was correct. Although they were not overpaid half was paid early which I tried to explain to her via email even again attaching documentation of the property taxes from the county and also there escrow analysis. I have not heard back from them and its almost 2 more weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am 30 days past due on XXXX   XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, Amazon charged my prime card through chase {$20.00}. Card ending in XXXX XX/XX/XXXX, I called can canceled the card ending in XXXX On XX/XX/XXXX, Amazon charged the XXXX card {$29.00} ( how does chase allow a charge to be made to a canceled card ) On XX/XX/XXXX, I called XXXX at XXXX and XXXX. I spoke to the representative about the wrongful charges made. He instructed me to call Amazon and have the charges refunded On XX/XX/XXXX. I called Amazon at XXXX. The times were XXXX and XXXX. I had to speak with them twice. Chase did not tell me initially it was two separate charges. 
XX/XX/XXXX. Amazon refunded both amounts ( XXXX & XXXX ) to my chase prime credit card. 
On XX/XX/XXXX, chase charged my XXXX XXXX checking account, ending in XXXX, {$72.00}. 
On XX/XX/XXXX. I contacted chase at XXXX, I was on the phone for 1hr and 4 minutes. I was hung up on and told I would be contacted by the security department. At XXXX I called again and was told the same thing XX/XX/XXXX. I called chase at XXXX, was on the phone for 22 minutes and once again told the security department would call me. I was abruptly hung up on I called again at XXXX, was hung up on within 2 minutes I once again called at XXXX. I spoke to several people from multiple departments. I was on the phone for 1 hour and 30 minutes. The wrongful charge to my XXXX have not been refunded because I did not file a fraudulent charge ( even though I told the gentlemen on XX/XX/XXXX that I was wrongfully charged by amazon ) I spoke to a supervisor that refused to help me. He said he filed a complaint and in fact did not. 
I did speak to a supervisor that was helpful and filed a complaint. The number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
opened a car loan with BBVA Compass Bank ( BBVA- USA -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number ending in XXXX. The original balance was {$19000.00}. It was a 72 month term loan with a monthly payment of {$350.00}. I set up an automatic payment to be debited from my XXXX XXXX checking account number ending in # XXXX of $ XXXX  monthly so the loan could be paid off in 48 months. The last payment was set up to be withdrawn on XX/XX/XXXX in the amount of {$1100.00} to pay off the loan. I saw that the payment of {$1100.00} was withdrawn from my checking account as scheduled. I received a " PAID IN FULL '' letter from BBVA. I also received the " pink slip '' for my XXXX XXXX. I thought all was good. It wasn't until XX/XX/XXXX that I noticed that BBVA continued to debit the {$500.00} payment from my XXXX  checking account. I am XXXX speaking. My daughter helped me call BBVA. They said they showed the account balance as {$0.00} as of XX/XX/XXXX and could not refund any payments the account did not reflect. We called another time in a conference call with XXXX XXXX and BBVA. I authorized XXXX XXXX to fax my bank account statements to show that {$500.00} was withdrawn from my account by BBVA from XX/XX/XXXX through XX/XX/XXXX XXXX last payment automatically withdrawn ). BBVA confirmed that they received the fax and promised to send a refund check to my address on file. I never received the check. We have called back several times. BBVA always states that it is " under investigation '' but it never gets resolved. 
I paid my loan in full as BBVA Compass Bank report to all three credit bureaus as of XX/XX/XXXX. Despite the loan showing a {$0.00} balance with the credit bureaus BBVA automatically withdrew $ XXXX monthly for an additional 17 months from my bank account. I believe these actions constitute fraud. How were these payment applied if the account had a ZERO balance and was closed? I have no other accounts with BBVA. According my records, BBVA withdraw an additional {$8500.00} from my checking account after my account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello there is two auto loans Ive been fighting to remove off my credit report for 4 plus months now. I know by law after 30 days with no verification the accounts are suppose to be remove off credit report! I know my rights! I have yet to receive a response from these two fraudulent companys about these auto loans. Please remove them!

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 2019-06-18
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I pulled my credit and discovered a tradeline for LVNV Funding LLC/Resurgent Capital Services for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with validation of the debt. They failed to respond. I pulled my credit again in XX/XX/XXXX and their tradeline is still there. I contacted them again in writing demanding they delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They have not responded. 

They did however respond my credit bureau dispute as " verified as reported ''. How can they legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation for the past 7 months? They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. 

This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. I will also be filing a XXXX and attorney general complaint as well as seeking legal action for their unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My income tax return of XXXX went on my Bluebird Prepaid American Express account and I can not access my money online, from my card in any way or reach customer service that they don't hang up on me after sitting on hold for hours at a time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
They have a car loan in my report more than XXXX years this is illegal

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 2019-08-04
Company: SUNTRUST BANKS, INC.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX - current  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXAll XXXX XXXX  And XXXX XXXX XXXX. A lot of transactions were intercepted and picked up by unauthorised recipients or deposited into unauthorised accounts. The transaction listed above had MTCN numbers however payment wouldn't process or delayed cancelled without my knowledge.  The app on XXXX since XX/XX/XXXXhas had major issues and technical issues.  I have multiple people utilising my merchant accounts.

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 2017-11-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a Mortgage with Carrington Mortgage ( CM ). The Loan has an Escrow account for the Taxes & Insurance. The County I reside in no longer requires I pay the School Tax after I turn XXXX. I will be XXXX this XX/XX/XXXX. Therefore, the XXXXchool Tax will no longer be required to be paid in XXXX. I have forwarded a letter to CM from the County Tax Commissioner stating that I will be exempt from the School Tax in XXXX. CM is aware of this, yet refuses to lower my monthly Escrow collection accordingly. Why is CM allowed to collect the additional funds from me when they have been notified that the funds are no longer required to be collected? I, as a Senior Citizen, can use the approx. {$96.00} per month better than CM can. Please help me with this issue. CM is a Large Corporation and I am just one Man. I do n't know who else to turn to for help except you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Reviewed my credit report last month and is showing Wells Fargo as reported balance of {$1400.00} with all National Credit Bureaus. I have made several attempts for validation of this alleged account. Til date I have not received any validation of this 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 2021-06-10
Company: EQUIFAX, 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:
As per the federal law under FCRA, if there is an error in their report they have the right to fixed it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Medical Recovery Services, LLC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
i got a letter from Medical recovery services, they threatened to have the sherriff to garnish my wages and levy my property, furniture, vehicle, etc. threatened to sue metake anything i own. they should already know im on social security and ssi. the amount is wrong too, the amount i owed the ambulance was around XXXX, the letter was from a place in XXXX  XXXX idaho. not sure who really has this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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:
Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX Account Designator Code XXXX  Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA 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 2019-06-15
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is reporting a negative account on my credit file from XXXX XXXX N that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.

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 2019-09-19
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 my credit was fraudulently ran twice from this agency without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX   because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

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 2019-06-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a credit card bill on my Equifax credit report from XXXX and I have never had a XXXX account. When I contacted the number that appears in my credit credit for XXXX XXXX I gave the customer service rep my information ( ssn ) and she was not able to pull any information under my social security number. However, Equifax is reporting this on my credit profile.

Company response to consumer: Closed with explanation