BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
XX/XX/2016 Someone wrote me a check and out bounced and XXXX  XXXX XXXX closed my account and reported it as fraud. I had all my documentation yet they wouldnt let me dispute it nor did they do a thorough investigation.

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 2021-03-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results from my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Resurgent Capital Services L.P.
State: CA
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:
It appears someone has used my identity for fraud with different names addresses and employers. I need this to be investigated and fixed immediately. 
Example 1 : A fraudulant name on my report was used XXXX XXXX Example 2 : Fraudulant addresses, XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX, XXXX Ca XXXX Example 3 : Employers listed XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX  XX/XX/2021 Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage loan with a new company and closed out the original loan with an effective date of XX/XX/2020. As part of this transaction, we are owed {$1400.00} from our old escrow account with Lakeview Loan Servicing , LLC Mortgage and serviced by XXXX. 

Ever since this date, now approaching 60 days. I have been trying to contact them but I have been ignored, hung up upon and/or sent to an " automated service machine '' which is unable to help with my needs. I have also tried to reach them via email which have also proved unsuccessful.

At this point, and also based on know tactics from this company according to a quick internet research, I believe this company is proposedly avoiding me.

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 2020-07-21
Company: Experian Information Solutions Inc.
State: SC
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Fnbo is violating my rights and reporting in correct information on my credit report. They are reporting late payments for months I have made on time payments on. I am in the forbearance program and was told my account would me listed current paid as agreed not late as I am paying now and the money is being withdrawn from my checking accounts. This company lied from the time I enrolled in the program and told me my credit report would be update and current with no lates now they are reporting XXXX XXXX and XXXX late but I have been on time. This is violation to report incorrect information to the credit report agencies. I enrolled in the program in XXXX the letter clear states previously reported delinquency these delinquency that they are reporting are current new delinquency after I enrolled in the program which is not what the contract states. They are not following the details of the hardship program which is against the law they enrolled me in a program and taking my money monthly to still report inaccurate information harming my credit..they are also reporting different months on all different credit reports

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 2018-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file XXXX XXXX  The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX bank XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received an email from what looked like a Chase bank email asking me to restore access to my account. After opening that email fraudulent transactions to binance occurred for a total of {$700.00} dollars after trying to open a claim with chase 3 times they deny the claim and removed the provisional credit of {$700.00} and continue to tell me to take {$700.00} as a loss due to the fact that the transactions are being traced to my IP address on my phone. Ive spent more than 3 weeks trying to find answers for how I can get my money back and every person chase has made me speak with tells me something different. I am a XXXX XXXX I work hard for my money risking my life to save others this is completely unfair and chase doesnt care to understand there customer after almost 10 years of banking with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

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 2021-04-29
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/27, AES began sending multiple emails in 1 day because the payment was late by 2 days. I've received 2 follow-up responses from Customer Relationship Analysts who I had repeatedly asked not to respond and that I only needed 1 email alerting me of the overdue amount. I'm being harassed by this company and am being treated unjustly, and my rights are being violated as a result. No agreement that says correspondence will occur because of delinquent payments is valid if it starts to encroach on breaking the law, which is exactly what this is doing. AES provokes these complaints. AES also records the conversations without my permission when I have told them on multiple occasions I do not consent to being recorded and that because Pennsylvania is a 2 party consent state, they are breaking the law. I'm going to have an attorney file a motion with the courts to subpoena all conversations that AES has kept on file where I have stated verbally that I do not wish to be recorded, yet they have defied that request and acknowledgement. AES is also unjustly delaying Student Loan Forgiveness for certain borrowers who meet the criteria in order to capitalize on interest charges to make a profit. This is a huge conflict of interest and is also considered fraud. The representatives who are tasked with responding to these complaints think they know what they are talking about, but they do not realize they are breaking the law or helping their Employer break the law. I intend to prove beyond the shadow of a doubt that all of this is occurring, and quite frankly, I will do what is in my power to have the company shut down or salaries reduced, or terminations made possible due to this overstepping of power. 

XXXX XXXX should also be investigated for money laundering. If issues occur in a company that seems to benefit the overall company as a whole, it is usually always because the leader is profiting from this process, unjustly and immorally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
on XX/XX/XXXX I took out a loan for a mobile home ( XXXX XXXX XXXX. XXXX XXXX, NJ XXXX with XXXX XXXXXX/XX/XXXX of XXXX, ME. ( account # XXXX XXXX the loan was paid in full in XXXX. I do not have a Title or Lein Release. I am now trying to sell the mobile home but can not because I do not have a copy of the Title. NJ will not issue the Title with out a Lein Release Letter from XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX became XXXX sometime around XXXX and in XXXX became TD Bank. I contacted TD Bank back on XX/XX/XXXX to get a copy of the letter but they can not find any records of the loan I have been going back and forth with their archive department and will not send me a release. NJ Motor Vehicles recomended I contact NJ XX/XX/XXXX They informed me they do not regulate TD Bank and forwarded me to the OCC which opened Case # XXXX and are requesting additional info. It was also suggested a complaint with CFPB so here I am. 
I am stuck paying monthly Association fees & Utilities until I see my mobile Home which I can not do until I have a title, to date I have had to pay over {$3000.00} out of pocket. 

Please help or tell m how to resolve my issue, everybody sends in circles. The loan has been paid off for about 18 years, nobody claims I owe them money for the property but I can't seel it because I don't have a title. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: Paramount Recovery Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A random negative account for XXXX XXXX XXXX XXXX showing a {$1100.00} debt appeared on XXXX credit report. Absolutely no communication with company on their part has occurred. Disputed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My bank confirmed that BANK OF AMERICA CREDIT CARD and my PAYMENT check XXXX FOR XXXX was SENT TO MY bank WITH THE WRONG ACCOUNT NUMBER so the CHECK WAS REJECTED. The routing number on the check was correct. 

BANK OF AMERICA IN ITS ARROGANCE each manger - three of them would not confirm their mistake even though XXXX XXXX support proved to them over the phone that XXXX XXXX was correct and that BANK OF AMERICA sent the wrong account number that did not match the account number of the check. 

I had this BANK OF AMERICA account for 19 years. They have to fix the issue not me I did not cause it so if they failed I OWE them nothing. I paid them and they would do NOTHING to fix the issue. I closed my account with them and will be open a civil lawsuit where they will have to pay all the fees. They threaten to hurt my credit because of their mistake. 

I have all the conversations recorded. 

I was on the phone with them for over an hour. 

Each manger level are useless, they were like XXXX XXXX  reading a script and I am not even sure what they are good for - they all should be fired. I will be writing to the CEO XXXX XXXX, XXXX XXXX XXXX and all the rest of the board of directors. This company I now pray daily will go bankrupt. 

XXXX - Floor manger ID :????? 

XXXX - ID 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 monetary relief
Consumer complaint received 2020-10-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ally Financial company, The company reported me to the credit Bureau for Delinquent over 30 days missing payment. In fact that is not true I do have all the valid information on record from the company stated that no payment required for the month I was reported as missing payment. I have had contacted the company to address the issue with them, they didn't professionally handle the matter in the right ethical business manner.

I do have all the calls recorded every day, and still did not reach someone that can help me to correct the issue. I'm reporting this company for the bad business practices and the Ethics.

All supporting documents are available upon request. 

Thank you, 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 explanation
Consumer complaint received 2021-05-20
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED

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 2019-08-19
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had $XXXX  in my account , I received 3 separate charges on my card For $XXXX , $XXXX , $XXXX & left me with a balance of XXXX Once I saw those charges I immediately disputed them & Made a report & requested a new card .Cash app said once they investigated in 10 days they would contact me. That was last Tuesday. I took the XXXX off. 2 days after I disputed those charges the same charges appeared again and it put my account into the negative of $-XXXX I have been contacting cash app support every since Monday & the cash support was not letting me submit my request finally the did. No one has even acknowledged I even contacted I have sent several emails and Today I received a notification from my bank stating that cash app had took $XXXX from my bank account and put it to my cash balance to leave it at $XXXXI am extremely UPSET AND OUTRAGED Because I have been charged 3 times for this same amount when I didn’t authorize the money in the first place. And it has put me in a bad situation. I need to speak with someone from cooperate. I need some money to contact me back to let me know what’s going on & when I will receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX / XXXX XXXX XXXX , TX XXXX claims that I still owe them {$2100.00} on a loan that has been closed and placed on my XXXX  Credit Report as a Collection-Charge Off. This information is not correct due to the following terms : 1. Had XXXX XXXX / XXXX XXXX in XXXX TX properly maintained the vehicle before selling it to me than this loan would not even have an amount. Had XXXX XXXX and XXXX XXXX provided me with Buyers Guide in which they didnt this would have been better understood. 

2. XXXX XXXX and XXXX XXXX XXXX TX failed to and refused to repair the car without me paying a high price. XXXX XXXX did not at time of purchase accurately disclose the mechanicial condition of the car that led to numerous mechancal failures, XXXX XXXX did not accurately disclose the prior history of the car. 


XXXX XXXX and XXXX XXXX sold me a defective and poor quality vehicle that had numerous mechanical failure issues. XXXX XXXX after receiving the car back the final time ever did the provide me with a solution just a debt that I feel is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: TX
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:
SUBJECT : Complain against Experian for abating reduction of credit score, reporting delinquency and negative remarks resulting Rejection of Auto Loan by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, and rejection of small credit byXX/XX/XXXXXXXX XXXX ( my own XX/XX/XXXXXXXX XXXX credit card ). 


Hello CFPB, Because of negligence by Experian, both XXXX XXXX and XXXX XXXX XXXX XXXX, declined my New Vehicle Loan Application based on discriminatory facts. 
XXXX knew about the Fraud that took place and some minimal Debt that was direct result of Identity Theft. There is Fraud alert put by myself. However, XXXX XXXX XXXX XXXX discriminated me possibly assuming that i am a person who is prone to Fraud. 

In fact, all Credit Beaureaus ( including Experian ) are aware of the fact that i was an Identity Theft victim and Fraud Alerts that i have put on my SSN in XX/XX/2020. 
With respect to the Fraud alert and 2 negative remarks on my credit, explanation that a small debt ( late fees and interest only ), were a direct result of Identity theft. These agencies ( including XXXX XXXX XXXX XXXX ) are aware about this. Copies of these documents have been submitted to CFPB and Credit Bureaus in XX/XX/2020 and XX/XX/2020. Also, copies of these documents shall be submitted to the Lenders who have declined me Credit because of XXXX 's negligence, including XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) In spite of full knowledge and documentation and proof that transactions were unauthorized, Experian futher victimized the victim of identity theft ( myself ) discriminated me as a problematic person who is prone to identity theft? 

Experian abaited the Auto Loan Dept. of companies such as XXXX XXXX XX/XX/XXXX and XXXX who went on to reject my Loan based on negative remarks that XX/XX/XXXX reported to Experian, in spite of full documentation and proof that i was in fact victim of identity theft and XX/XX/XXXX has acknowledged this by refunding all 33 transactions ( proof attached ) and acknowledged that the Debt ( late fees and interest ) were direct result of the Identity Theft, which is clear in consumer testimony to the Credit Beauraus including Experian.

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