BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: Underwood Law Firm, LLC
State: NM
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I bought a vehicle in 2012 and that vehicle was given back and repossessed due to failure of the motor. I only had that vehicle for four weeks. The company took it back and now I just found out they are garnishing my wages without notice of lawsuit or any communication. They want to charge me {$21000.00} for a vehicle that is not in my possession! This happened in 2012 and just now they are taking my wages without any notice at all!

Company response to consumer: Untimely response
Consumer complaint received 2020-10-22
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Upon receiving a pre-employment screening report, I noticed there is an outdated address in California showing ( I haven't lived in CA in 16 years ) and also a record check in Arizona that is completely incorrect ( I have never resided in the state ). 

I contacted the screening provider, XXXX XXXX XXXX, presented the report and noted the outdated and incorrect information. It took several phone calls and an unnecessarily long e-mail thread over 5 days for them to relay their contact company they received the information from I would need to contact ; Lexis Nexis.

I opened a ticket with Lexis Nexis on their website under the appropriate category on XX/XX/XXXX, informing them of the same outdated and incorrect information on my background screening, and attached a copy of the report. 10 days later on XXXX, they responded and indicated they needed me to provide a copy of the dead individual. No one died, and I communicated nothing of that to them so that was confusing and I began to lose faith in their literacy and competence. I again repeated my request. 

11 days later on XX/XX/XXXX, they responded informing me they don't deal with my issue in their department and would need to contact the department of Lexis Nexis that handles background screens. I found this frustrating and an unnecessary delay having opened a ticket on their website under the correct category 22 days earlier. 

Regardless, wanting to finish the issue, I called the phone number today, XX/XX/XXXX. The representative I spoke to, after XXXX minutes of being very confused, informed me the company I Was calling was XXXX XXXX, which is a background screening company, and they had no record of a report being run on me in XXXX.This was very frustrating. I Tried to verify that they provided information to LexisNexis, the representative said he couldn't provide that information to me, but that they did not run a background report on me, and that I should contact LexisNexis. 

Tomorrow marks 30 days, many e-mails I've attached, about 5 phone calls and much of my wasted time for what should be a simple, functional and *IS* a legally guaranteed removal of incorrect or outdated information on my background report. I would like to request maximum penalties for LexisNexis for incompetence. If you could please provide me information the legal recourse I have to pursue damages or legal action against them for failing to abide by the FCRA I would appreciate it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
XXXX XXXX XXXX is in violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Furthermore you have 4 business days after receipt of this Notice to block this fraudulent account from my consumer report. according to 15 USC 1681C ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Identify Theft report and proof of identity enclosed as required by federal XXXX. Also the conduct of XXXX XXXX Services is an act of racketeering activity counterfeiting my signature and credit agreement is a violation of 18 U.S. Code 1961. Also reporting the accounts to my credit file with extortionate intent is also a violation of 18 U.S. Code 1961 ( 1 ) This is Notice to Cease and Desist from all communication including the credit report agencies I refuse to pay the alleged debt because I have no obligation to XXXX XXXX XXXX I have never entered into a consumer credit transaction with XXXX XXXX XXXX or its agents or employees and never gave you or your agents permission to use my personal identifying information which was obtained by aggravated identity theft in violation of 18 U.S.C 1028A. See attachment

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 2019-04-27
Company: Experian Information Solutions Inc.
State: MS
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 sent a dispute on XX/XX/XXXX and I never receive the results within 30days. I sent several letter to Experian in the last month. All I keep getting is if I want to dispute indicate a specific item. I did that on XX/XX/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 2018-05-11
Company: CASHCALL, 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 status incorrect

Complaint:
Cashcall is reporting my account included in bankruptcy which is a violation of the bankruptcy filing law. 
I also requested a copy of a signed contract since I have had multiple account which were paid in full. I have not received a copy of my signed contract and the payment schedule that sent me was for one year of payments when they are reporting two years of payments. 
They also are reporting multiple lates on this account for the months of XX/XX/XXXX and XX/XX/XXXX 60 days late and 30 days late. Their payment schedule is had to read and doesnt show a 60 day late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax is reporting a recent address change XXXX XXXX XXXX, XXXX, GA. I never lived in Georgia and now I 'm worried that someone may be using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CITIBANK, N.A.
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:
I dont recognize these inquiries.

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 2020-10-22
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-02-18
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was notified on XX/XX/2020 that my chase bank account would be closed and I have no idea why my account is being closed. I have been having problems with this account from the start of opening the account. My account was locked for no reason at all and now I cant access any of my money. I just wan na know when my check will be mailed to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinance with Amerisave back in XXXX, 2020 and paid XXXX $ application fee. Until now, there is still no closing happened and representative still can not give me an answer on closing date. They keep saying it will happen soon. Lock in date has expired and no closing occurred. Their logo was also changed which is very fishy. They also required me to submit paystubs again even though i did that in the beginning of my application. I also see this problem occurred with other people on XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
Company: Conduent Incorporated
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The card I have is to receive child support from the New Mexico Human Service Department ( NMHSD ). The card I currently have expired XX/XX/2020. The address was not updated in the EPPICARD system and had my previous address, so I did not receive a new card. 
In XX/XX/2020, I called t

he 1866 number on the back of the card for EPPICARD and was informed that I must update my address with the NMHSD to receive a new card. I called the NMHSD to verify my current address was updated, which it was. I called EPPICARD to the 1866 number on the back of the card and was again told the same thing and had no luck getting through to the person who answered my call. 

It is now XX/XX/2020. 
I called EPPICARD ( 1866 number on the back of the card ) Friday, XX/XX/2020. I was on hold for a very long time ; luckily, after 30 minutes, I reached a person. I tried explaining the situation again and still, no luck. I again was told to get the address corrected with NMHSD.

I got on the online chat with the NMHSD, and they were able to
send a request to send me a new card. It was issued on XX/XX/2020, with an estimated delivery date of XX/XX/2020. I was thrilled but to see that it was mailed to an address I have never used on my online account. It was being mailed to XXXX XXXX, Nevada. 

I have called EPPICARD again to get someone on the phone to correct this mistake and send me a new card. I called EPPICARD XX/XX/2020, and XX/XX/2020, and have been hung up on. I wait 20-30 minutes on the phone, and when someone picks up, they ask what state I am calling from ; I answer, and they say they can not hear me and to call back again, then they hang up the call. Other times that I call I am waiting 20 minutes, and I can clearly hear someone pick up and hang up the call. I can not get a hold of anyone now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a person loan with Wells Fargo and got denied because misinformation, misunderstanding. I asked for {$150000.00} and I was pre approved according to banker, but things turned down because I asked to lower the amount and the other banker harassed me with further information with a gave previously. I work for the city of New York, my salary is direct deposit with my account with Wells Fargo., I bank with them for over 10 years, I never had a problem with, I have been discriminated by Wells Fargo . Please help 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 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Saw some unauthorized charges on my checking account. The unauthorized charges appeared to happen in XXXX XXXX XXXX while I was in XXXX at that time. I filed a fraud claim with Bank of America immediately and followed up a few times through phone calls and online messages. However, Bank of America refused to credit back my account, although i did not make these purchases, did not sign any bill, and was physically in another country... The amounts are {$7.00} ( XX/XX/2022 ), {$9.00} ( XX/XX/2022 ), {$230.00} ( XX/XX/2022 )

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 2020-10-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home loan at the beginning of XX/XX/2020. The closing documents clearly stated that the XXXX property tax would be payed by the title company at closing. Mr. Cooper the loan servicer received those documents in XXXX. 
The loan had an escrow account that payed both property taxes and insurance. The loan servicer never returned the XXXX tax payment. They did return overages and interest. When I contacted them in XXXX about the missing money they said the money was payed to XXXX XXXX XXXX and that I should contact them. I contacted XXXX XXXX XXXX and they said they never received or did not accept a double payment. 
I have contacted the loan servicer more than a dozen times to attempt to get my money back. Only getting a follow up or return contact stating that I had made a call to them on one occasion. 
In the mean time the loan servicer changed the company that they use to pay taxes. 
I want the tax payment that was in my escrow account returned to me. I think that I should get interest as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I rented a car from XXXX  rental car on XX/XX/2022 and my credit card was charged {$860.00}. When I turned the car in on XX/XX/2022 my credit card was charged again for {$870.00}. The original invoice shows that the charge of {$860.00} was supposed to cover the rental period so the charge on XX/XX/2022 was a double charge for the same transaction. Chase Freedom Credit Card refused to resolve this matter. I rented with XXXX on XX/XX/2022 and my original invoice of {$940.00} was charged on XX/XX/2022. When I returned the car on XX/XX/2022 I did not receive a emailed invoice but another charge of {$1100.00} so again I was charged more than double for a rental car. Then on XX/XX/2022 I rented a car from XXXX and was charged {$950.00} on XX/XX/2022. When I turned that car in I finally realized that they had been charging me double because the charge of {$950.00} still remained on my credit card and then I received an additional charge of {$1100.00} on XX/XX/2022. In total I was only supposed to be charged {$860.00} + {$940.00} + $ XXXX {$1100.00} =. XXXX  Rental Car charged me {$7800.00}. Chase Freedom Credit Card claims department did not resolve this issue and in essence allowed XXXX to charge me a extra {$3900.00} fraudelently. These " ghosts '' charges would show up on my credit card account and increase my balance and then disappear without my balance going back down. I was adding cash on the credit card every time I rented a car to match the total cost of the car. You can also see that on the last transaction of XX/XX/2022 for {$1100.00} was for the same car that they charged me {$950.00} for on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( XXXX, XXXX, and Equifax ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX   and XXXX XXXX ). I've contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed.

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
My name is XXXX XXXX, Around XXXX of XXXX I discovered a number of accounts on my credit report that turned out to be fraud and were opened online and in person in several banks/credit unions and department stores without my knowledge causing my credit rating to sink. I started to contact all institutions one by one and submitting documents to explain the situation including police and identity theft reports from government agencies. Most fraud departments were very helpful and resolved the matter within 30 days. I am now in the XXXX month with a number of complaints and correspondence with XXXX XXXX XXXX XXXX without any results. Firstly, they took over 4 months to respond to a number of emails/mails and phone messages. A so called " fraud specialist '' named XXXX XXXX XXXX from XXXX finally took my call and said they were backed up and apologized for delaying my requests to view my case and asked me at this point to re-send my police report.. I did once again and after several months of trying to get ahold of him another member named XXXX XXXX in management ) took my call and essentially told me that I myself was my identity thief.. Yes, she said my voice sounded like the person opening the accounts, she also told me I was on video opening this account in their bank.. I've never been in this bank. She then tried to justify her claims by asking me for my personal information i.e. address/phone/email/dob, and of course everything matched. I told her once again that the information probably matches because my identity was comprised including my email, but she wasn't listening. She asked me what the names of my parents were and claimed that matched as well. Now I'm no expert, but if my information was utilized by a thief it is obvious that the same information is going to be used to open whatever accounts the suspects were looking to establish. In conclusion I am asking for help, since I wasn't able to resolve the matter with this banks own fraud department and found many levels of incompetence, malpractice, false accusations and even discrimination. I felt I was talking to someone who was in fact supposed to help me was asking me if I'm sure I was a victim of identity theft and if that was possibly myself. If anyone knows what its like to go through the mere fact of trying to clear things with financial institutions and then having the very banks fraud department telling me the my email matches the account in question should understand that this department needs new staff and/or is mismanaged.. I will make further reports of this experience to all other agencies registered with state and government and will seek legal counsel if it isn't resolved. 
XX/XX/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 2023-03-08
Company: GOLDMAN SACHS BANK USA
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 status incorrect

Complaint:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

Apple Card/GS BANK USA Account XXXX. XXXX, XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed why not lease it account with Transunion but they claim to verify their results. But per the company who the account was sold this account was not reported to the agencies and this account has not been validated as per FCRA showing a contractual 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