BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX  XXXX {$11000.00} XXXX XXXX XXXX {$130000.00} XXXX XXXX XXXX {$7500.00} XXXX   XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX  {$3300.00} XXXX  XXXX {$1300.00} XXXX  XXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXX   XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: JPMORGAN CHASE & CO.
State: VT
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: Card was charged for something you did not purchase with the card

Complaint:
Chase reported ( 1 ) one fraudulent charge on my card and asked to review three months of statement to pick out and charge that where not made by myself ( or other family members ).

Going back I found over {$5000.00} of charges for that period ranging from just a few dollars to $ XXXX {$500.00} at several grocery stores in the area. 
I notified our local authorities regarding all purchases made locally, however because of the area within our State of other purchases the number of jurisdictions spans over 15 local and State Police departments. 
Chase is unwilling to produce any information or relevant documentation about their investigations. They ask I take up the responsibility to investigate ALL fraud with the store ( s ) via local authorities and to forward any information to them when it becomes available. 
I feel helpless not understanding what ( if anything ) they found and their unwillingness to participate in the investigation. They have complete control over this issue and I'm being ignored when making any further attempt to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: First Advantage LNS Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this confined fraudulent collection debt of {$5500.00} to the XXXX XXXX of XXXX and XXXX to which it was reported on. ( XXXX removed the fraudulent collection debt which i will provide documents of ) when i took action but XXXX however is very unlike with their processing systems and creditors monitors for fraudulent alerts like this current debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I requested and received a settlement from wells fargo on a personal loan, wells fargo now refuses to honor the agreement.

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 2021-08-23
Company: American First Finance, Inc.
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
My current car loan which show it being with XXXXXXXX XXXX XXXX on Equifax and XXXX but shows XXXX XXXX XXXXXXXX XXXX on my XXXX  report is being reported late every month on Equifax and XXXX but my payments on time with XXXX. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: BERKSHIRE HILLS BANCORP, INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was on the website Im a victim of identity theft so I expected this to happen everytime I apply for a bank account they always require me to send extra verification to verify my identity because the system automatically declined me Berkshire bank I received a notice of adverse action letter but I dont have anything wrong on checystems no debts to other banks and the reasons on the letter didnt make sense

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 2021-08-23
Company: First Credit Services Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. So about 4 years back I was part of a gym, XXXXXXXX XXXX XXXX in XXXX. When we moved from the west side of the city, to the east side of the city, I tried to cancel my month-to-month contract with the gym. This is where things became impassable. At first I went in, in person to cancel, but was repeatedly told the manager that handles the cancellations is not in. Of course I asked when they would be in next, but was never given a straight answer. I tried to call at least a dozen times, was given the same answer every time, the manager wasnt in. Theyre a meat head gym, so they dont have or use any emailing system. If they do, I never saw the address/they certainly didnt make it readily available. I vividly remember talking to my mom during this time and being extremely upset about the situation because I knew, eventually, it would come to this ( collections issues ). So, I was forced to contact XXXX XXXX and to have them deny the request for charges that way. Meanwhile, they were getting months of payments, while I wasnt using their service, and havent been there in 4+ years obviously. I was just rejected for an XXXX XXXX  when technically, I see a XXXX credit scores as of today, because I have XXXX derogatory remark on all of my accounts, all from a month-to-month contract that I exhausted the means by which to cancel, many times over. I am so tired of dealing with the business and the collections agency. I have disputed the claim with the credit bureau at least twice, nothing. I refuse, absolutely refuse, to pay this bill. I did not over use any service ( they in fact got many many more months of payment when I didnt even go to theyre gym because we moved ), they refused to cancel my membership, then the pandemic happened, and they were completely shut down, I tried sending a letter to the gym, but obviously, it was returned because they were closed and not receiving mail.I have no idea what else to do. And again this was well over 4 years ago, Id be beyond shocked if even the gym has paperwork to support their claim. I have no paper trail because, again, they were closed due to the pandemic, and they had no email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have  provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Filed Previous complaint with CFPB. They stated for me to make the payment that would catch up the payment then to call back after payment was made to make an arrangement on the remaining amount so it would not affect my credit. I called back and the collection department says i have to pay all by the XXXX or they will report me late to the bureaus. They are not keeping what they agreed to. This is covid and I cant afford to make the rest of the balance due byXX/XX/XXXX. Had I could of forseen covid happening I would have never took the extensions in the past. I am doing my best and willing to pay the additional off in the next 45 days but if A late shows up this could even cause issue with my job and cause me to lose it. I am asking for them to work with me on the lates fees and whatever else is left,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
There was a wrong and fraudulent collection on my credit report from XXXX for the amount of {$430.00}. This is a collection agency that seems to be engaged in XXXX. 
I made many requests and efforts to clear the information since XX/XX/2020, but credit bureaus just confirmed with the collection Agency, the XXXX, and reported the collection as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX XXXX sent credit in my name to a lady in Kentucky now is reporting it as a {$650.00} credit line in payed this has been going on now for 2 years experian refuses to delete it I never had this card I filed a complaint. With the police in Kentucky they could not find this person

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 2022-01-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I pulled my credit report and saw some incorrect information. I sent letters out multiply times here are the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged-off every month. This is an update in the payment history which to my understanding charge-off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I am demanding deletion of the following account : Account Name : XXXX XXXX XXXXXXXX and account number : 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 2020-12-01
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:
On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of Equifax Data Breach. I demand to deleted all the accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account with Citibank online in a completely legitimate way using a coupon code I received from a friend. I promptly transferred my funds to them last week ( XX/XX/2021 ) however today I was notified that my account was closed and they are severing the relationship with me completely without a reason. Furthermore, I have already transferred a significant amount of money ( {$30000.00} ) to their account which they are refusing to let me withdraw without having my debit card, which they haven't sent me yet. I am unable to function on a day-to-day basis without this money ( I sent them all of the savings belonging directly to me ) and they are asking me to wait up to 60 days!

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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Beginning of XXXX I began disputing a XXXX XXXX Account on my credit report and ask for the account to be verified. The account is reporting inaccurately.The account across all bureaus show different account numbers, different loan types, different date of last activity and a variety of other things that I know are a violation. I need this account. All credit companies have not completed the steps ask and I've disputed three times.

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 2021-03-29
Company: ENCORE CAPITAL GROUP 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 have been in contact with Midland Credit on numerous occasions which is the data furnisher to my personal credit. They are advising me that a law office XXXX and XXXX are now handling this file which. Midland Credit can't give me information in debt keeps advising me to give them a call meanwhile XXXX and XXXX is advising that they are NOT handling and have no records under my name, full social, telephone number or any information I have provided. This is hurting my credit and I am in the process of purchasing a home and this will prevent me from doing so. I was looking for a quick resolution but unable to begin to speak to anyone. I believe that this a violation of the FCRA and they should not be allowed to report things to my credit without being able to speak to Mr and provide details. I have even made attempts to do three ways calls and still no avail was I able to get a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX  3.XXXX XXXX XXXX  4.XXXX/XXXX   5XXXX XXXX 6.XXXX XXXX 7.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 2021-03-29
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/ I purchased a home and closed with XXXX XXXX ; Soon thereafter, they transferred servicing to XXXX XXXX XXXX. There was approximately {$6000.00} in escrow / impound to pay the property taxes when XXXX XXXX XXXX inherited the account which were due in XXXX. I contacted XXXX  on XXXX to inform them that I had received a new tax bill but the amount had not changed. I also inquired about payment of the XXXX installment because it was not showing up on their website as planned money going out. They assured me that the taxes will be paid. 

On or around XX/XX/XXXX, XXXX transferred servicing to Dovenmuehle Mortgage and the loan was transferred to XXXX XXXX XXXX. I have contact both XXXX  and Dovenmuehle several times regarding payment of property taxes. XXXX  says they no longer hold the servicing and can not do anything about it. Dovenmuehle says they will take care of it but then fail to do so. I can not get a supervisor to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I mailed out my payment to Discover on the XXXX and no later than the XXXX of each month. 
I know it does not take 6 TO 7 days to receive the payment. Even if the payment goes to XXXX XXXX XXXX Utah, which is where Discover is located. They purposely wait 16 days to clear my card. I had this same problem last month. So I am re-reporting Discover for continuing with the same lousy payment problem I have had in the past with Discover Card. They don't take the payment until 16 days after it is received. Two months ago I was charged {$35.00} because Discover Card did not take the ACH Payment on the XXXX as I told them to do so. Today I was embarrassed at XXXX XXXX when I could not pay for a battery for my wife 's battery operated door opener. ONY DISCOVER DOES THIS!!

TAKING 16 DAYS TO CLEAR MY CARD. NO OTHER CARD EVEN THE BANK 'S ATM CARD DOES NOT HOLD UP PAYMENTS FOR 16 LONG DAYS. IT LOOKS LIKE THEY JUST DON'T GIVE A XXXX HOW RUDE THEY TREAT THEIR CUSTOMERWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I refinance my mortgage I had with BBVA, I'm with a different lender now. BBVA was never my primary bank, I only had my checking account to pay my mortgage and HOA via Bill Pay. I have cancelled my only bill pay with BBVA for my HOA like 3 times now and it keeps trying to send the payment out again. Not only was my mortgage pay-off of $ XXXX lost for almost 30days because BBVA applied it to the wrong account, now nobody can help me with this Bill Pay issue which has caused my account to overdraft. I have called the customer service XXXX number about 5 times about this issue, I have hung up on and transfer to different departments with NO solution. I need help to stop bill pay and close this checking account, now I'm receiving letters from XXXX to pay a balance of {$55.00} and BBVA that I'm overdrawn {$150.00}. Why? I tried closing this account and stopped bill pay in XXXX XXXX. This is BBVA error and NO one can help. I don't use this account, it had a XXXX balance. attached are screenshots of canceled bill pay and a few days later I get an email my HOA payment is going out! I need BBVA to write a letter of explanation to my HOA company stating their Bill Pay error that has caused {$90.00} NFS fees with my HOA company and they need to be responsible for these fees and close my checking account. Canceling bill pay should not be so complicating and there should be support for cases like this. I don't owe any overdraft fees, I did my part and canceled bill pay 3 times and it keeps sending the payment. 

XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX

Company response to consumer: Closed with monetary relief