BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was checking my credit as I am building it to buy a home, I noticed my credit repoirt went down. Upon further investigation I saw that a company called Asset Care LLC had placed a derogotory mark on my credit for an XXXX XXXX  bill, that when was previously discussed approximately XXXX of XXXX, this should have been taken care of by my health care insurance providor. They said that they would look into the matter and get back with me. I didnt hear anything back from them. I had just aquired a debit consolidation loan to pay off all my debts, so this would have been included in order to clear it, had they gotten back to me. I called them yesterday XX/XX/2021 and spoke to a XXXX XXXX- she confirmed with me that they did infact speak to me over the summmer, I requested them to submit this to my insurance company for payment, she also confirmed that nothing else had been done with the account after that. I again request that they submit this to my insurance company, XXXX XXXX said she would have a detailed bill mailed to me, and they would remove the derogotory mark from my credit. However the damage has been done. I now have to recover 60 points on my credit report that should never have been taken off. Below is a desription of the drogotory information they placed on my credit report. I had XXXX derogotory marks on my credit until this. 

ASSETCARE LLC COLLECTION/CHARGEOFF Other {$85.00} Status Date Reported XX/XX/2021 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX  Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 4 Months Credit Limit Not Reported Highest Balance {$85.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Contact Us AssetCare is here to provide you with more information, answer any questions you may have and help find a solution that works for you. Please let us know how we can help. 
Talk to a Representative : XXXX Automated Payment : XXXX Mailing Address : AssetCare , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Revenue Cycle Associates, Inc.
State: SC
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:
I received a debt collection notice in the mail for XXXX dollars. I contacted the debt collection and they said it was taken out in my name. The card company was XXXX XXXX. I have never had an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a house in XXXX. I used Everett Financial Inc dbaSupreme Lending for my mortgage company. The previous owners passed away but they had homestead exemption. I filed for homestead exemption in XXXX. In XX/XX/XXXX the mortgage company changed my monthly mortgage payment to {$1000.00}. I was paying {$1300.00} a month for XXXX. I called Everett Financial to ask about the decrease in my payment. The person that I spoke with said that it can happen like that and that it looks accurate. In XX/XX/XXXX I received a check from Everett Financial for {$4600.00} again I called to ask about this and what is it from. The person from Everett said that that can happen where there is a escrow overage and they are required to send the money to me. I asked about if I needed to place it back into the escrow person said I can but not necessary. I decided to place {$1000.00} back to escrow. I thought I was doing good with that. So now Everett Financial said I do not have enough money in my escrow. Looking at my Annual Escrow Account Disclosure Statement Account History I have that the mortgage company only anticipated a {$1.00} each for County tax, School District Tax, and City tax. Everett Financial is now telling me that I owe them more money with this year 's mortgage payments. I now have to pay {$1800.00} a month. This will be very difficult. I spoke with Everett Financial this morning the person escalated this to her supervisor who said that due to the previous owners having a homestead exemption Everett Financial anticipated the taxes with the exemption in place. The only thing Everett Financial could do would be to give me 24 months to pay the amount back. I called and asked questions about these things that did no good to prevent this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX and ChexSystems denied to freeze my report

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 2020-06-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX/DEPT OF ED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my 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 2020-03-06
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive constant calls from a debt collections company named Linebarger, Goggen, Blair, and  Sampson. They are calling for a XXXX XXXX from XXXX ; to reference his acct # XXXX. I returned the call and spoke with a live agent and specifically requested a DNC to my number, as Im not that person. They have not ceased calling and phone incessantly ; seeming to call more after I requested the do not call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase World of Hyatt credit cart charges annual fee of {$95.00} on the very first day of account approval. Then in starts applying interest on the annual fee right away even if account is not activated. 

This is an unfair business practice that CFPB needs to address. 

I did not activate and start using the card until two months later. Even before any charges were made to the card, I apparently owned Chase {$96.00} ( annual fee plus interest ). 

When a month later I paid the card in full and closed the the account, Chase refused to wave the annual fee and was not even willing to prorate a fee for an account that was used for one month only. 

Furthermore, I when asked Chase to reverse any Hyatt bonuses earned on a card in exchange for waiver of the annual fee ( similar to contract rescission ), which Chase refused as well. Granted, after hearing my arguments, customer service offered to waive late fee and {$1.00} in interest as accommodation to a long-standing customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: WA
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 has not updated my credit report that my account is payed in full

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 2023-12-01
Company: SECURITY FINANCE CORP
State: TX
Product: Credit reporting 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:
Security Finance, starting XX/XX/XXXX, again XX/XX/XXXX, then once more time on XX/XX/XXXX they have shown up on my hard inquiries.Keep in mind all 3 times without my permission or consent. I did get a loan out through them over a year ago, but was unable to pay them back in full due to financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021, Freedom Mortgage offered me a " streamline VA refinance '' on my mortgage. I believe that I closed on that sometime in late XX/XX/2021. I believed my 1st due payment on the new mortgage was in XX/XX/2021 based on verbal information given to me by Freedom Mortgage. As a result, I did not attempt to make my new mortgage payment in XXXX and was considered 30 days late in XX/XX/2021 and XX/XX/2021. Having actually paid my XX/XX/XXXX payment in XXXX, and my XXXX payment in XXXX- I did not discover that I was actually 1-month behind until early XXXX and then made two payments during the month of XX/XX/2021 to essentially " catch up '' on my payments. 

I'm requesting a 1-time goodwill gesture on their part to remove the 30 day late entries on my credit report for XXXX and XX/XX/2021. I've taken the necessary steps to ensure there are automatic payments made at the first of each month to ensure there will never be another late payment. 

I realize that this is not something that Freedom Mortgage has to grant, but this goodwill gesture will greatly increase my standings and ability to gain positive traction with my credit score. I also admit that it was entirely my responsibility to know when my mortgage payments were due, and this was entirely my fault, but I'm hoping and praying there can be an act of goodwill and faith in my continued business with them and holding my mortgage with their company.

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 2023-08-19
Company: WELLS FARGO & COMPANY
State: AZ
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:
My XXXX  year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts, mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He was making transfers into other accounts that were over {$10000.00}. He charged just under {$50000.00} through XXXX ( which my mom didn't even know was a company ). He brought his house out of foreclosure and sold it less than XXXX weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX XXXX XXXX : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : Wells Fargo and XXXX. 
He also " sold '' her an annuity ( that cost {$250000.00} ) through XXXX XXXX. The annuity did not list a death benefit ( although it was specified in her will ). The banks appeared to have done NOTHING to protect my mother who was a vulnerable adult from the financial exploitation ( along with countless crimes- state and federal ) that XXXX XXXX XXXX on her.

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 2020-03-06
Company: Finance System of Green Bay, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2018, I acquired through a company called XXXX XXXX XXXX XXXX 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. 

My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. 

The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. 

With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. 

I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. 

Now, my credit is affected due to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

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 2022-03-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 referring to the complaints I've filed on XX/XX/2022 and XXXX XXXX. The complaint that I've filed through the CFPB on XXXX XXXX with complaint number XXXX, EQUIFAX responded stating that an investigation with the furnisher has been initiated and that they will provide me with those findings once the investigation is completed. This an " REINVESTIGATION '' to what EQUIFAX claimed to be " valid ''. Congress states that pursuant to 15 US Code 1681i ( 7 ), the consumer reporting agency only have 15 days to provide me with the description of the procedures listed in 15 US Code 1681i ( 6 ) ( B ) ( iii ) that they've taken to receive their findings. They are waiting on the furnisher to provide them with those findings, not me the consumer. Because this is an " REINVESTIGATION '' by law, the consumer reporting agency only have 15 days to provide me with the description of the procedures that they have taken in order for this account to be considered " valid ''. It has become very clear that an investigation had not even taken place in the first place, because if it had, then they would have on file the items of the procedures that they've used to validate the items that I have disputed, and not be waiting on the furnisher to provide them with something that they claim was " valid ''. EQUIFAX is not complying with the law by trying to exceed those 15 days that Congress have given them to provide me with the description of the procedures they've taken to validate this account. EQUIFAX also have not provided me with my written permission that I've given them to furnish this items to my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). This inaccurate item listed on my consumer report has ruined my financial reputation by not allowing me to receive the funds needed to provide for my household. This has caused me many hardships including stress, sleepless nights, XXXX, anxiety, as well as marital issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : I am a XXXX veteran and run a charitable 501c3 XXXX that saves wild mustangs and assists our nations veterans with XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the XXXX XXXX social security number has been hacked and used according to all 3 major credit bureaus XXXX, Equifax and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ) regarding my hack. 
I am including dates and items that I would like fully investigated and deleted from my credit reports as it is not me nor have I been associated with this account. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXXXXXX XXXX 2 Social Security Number/ Phone Number XX/XX/XXXX XXXX 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable XXXX Social Security Number/ Phone # / XX/XX/XXXX XXXX XXXX Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX PLEASE RESEARCH AND DELETE THE FOLLOWING ACCOUNT ON XXXX, Equifax and XXXX ACCOUNT NAME : XXXX PAST DUE XXXX : {$25000.00} LATE PAYMENTS : START DATE XXXX XXXX plus days, 2-90 days- 2-60 days 2-30 days ON TIME : XXXX DATE : XX/XX/XXXX CHARGE OFF/ DATE OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ( THIS ALL THE INFORMATION ON ACCOUNT NUMBER I HAVE AVAILABLE TO ME ) ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Thank you for your assistance in handling this item immediately. 
XXXX XXXX Please find Driver License for verification of Identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CARVANT FINANCIAL LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to XXXX and Carvant on numerous occasions over the last two years to have Carvant listed on my credit report as included in bankruptcy. I have sent the paperwork to XXXX as well as Carvant and it is still listed on my credit report incorrectly. This is hurting my credit and I need this corrected quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation