BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
transactions being processed on atm machines same day and more than 1 withdrawal. I tried to look through the receipts and the ending balance does not make sense the amount in available balance before and after transactions differ from amount used. I believe their is more than 1 card for my account and it is a single person account with no authorized secondarys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX 2013 ( 3 yrs, 11 mos ) Original Creditor Name : XXXX I called ENHANCED RECOVERY COMPAN to remove that false report on my account. I have been now with XXXX for 4 years, and never owe them a penny. And Enhanced Recovery never got back to me. I sent them letter ... They never got back to me ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX   Date Filed : XX/XX/XXXX3 ) XXXX   XXXX XXXX - Date Filed : XX/XX/XXXX 4 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX  XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : 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 non-monetary relief
Consumer complaint received 2020-01-22
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving a mail from a company called National Credit Adjusters about a debt that is unfamiliar, however they are violating FCRA, These malpractices need to stop as soon as possible. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Originally purchased home 4 years ago at {$400.00} appraised at {$410.00} financed through chase. While trying to figure out why my payments climbed from {$2600.00} to over $ 3k I found out i have been overpaying state property tax fees. I was only able to get 2 years refund from the state but was able to fix this issue ; however, even after calling and squaring this away with the escrow department they paid the same amount AGAIN and raised my rate. 

Recently, this past month while trying to get PMI removed I believe the bank is not behaving correctly. We've paid the house down to $ XXXX and the exact same house sold for {$460.00} so we called to request PMI removal. Chase informed me we are required to use their appraiser at {$550.00} to confirm property value and I had no input on the appraiser used. I agreed and they denied my request but did not send me a copy of appraisal or inform me ... i later found out by calling back in to get the status. After requesting copy I noticed they used comps on homes that are not similar to mine and resulted in a {$430.00} appraisal. The numbers are suspiciously close to the original PMI removal of 80 % off {$400.00} vs 75 % of {$430.00} ( XXXX vs XXXX ). I was given the option to submit 3 comps and argue my appraisal but they have lost this paperwork and now claim the original appraisal will expire and I will need to pay another {$550.00} to remove PMI with a check of $ XXXX to pay principal down. 

I believe the mortgage company is unfairly requiring me to pay extra principal to remove PMI insurance when i'm in good standing within 80 % TLV. Further, i was required to use their appraiser who unfairly tilted the scales in their favor regarding home value by citing properties that do not even have their own driveways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with Rushmore Loan Mgt Services. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. XXXX XXXX XXXX was the first. We are now working with XXXX XXXX XXXX to try to close this short sale. XXXX XXXX XXXX has a XXXX XXXX, XXXX foreclosure date. Rushmore is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting Rushmore to settle this loan with XXXX XXXX XXXX. I could also use help getting XXXX XXXX XXXX to move the foreclosure date out so that a reasonable closing can be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint on Bonneville Collections with this division on XX/XX/XXXX. The complaint at that time was regarding the communication tactics used, calling late at night, calling several times a day, etc. I have talked to a representative as often as I could take the call. On one call I was told that I owed a little over {$100.00}. The next day another representative called and told me that I owed {$210.00} dollars. When I questioned the amount they didn't give me an answer. At that time I requested an itemized bill notifying me what the amounts were and what the dates of service were and who the patients were because I had never received that information. I was informed by the representative that by law they didn't need to provide me with that and that I was just to know what I owed them and why I owed them. I asked again for a itemized bill. What I received was a letter dated XX/XX/XXXX that gave me an amount and creditor, no date of service or patient information. The amount on the letter was different than any other amount I had been given. I received another call and asked again for a letter with detailed information around the first week of XXXX. What I received on XX/XX/XXXX was a demand for payment in the amount of {$210.00}. Payment was due in 7 days or I would be referred to their attorney. Bonneville Collections have never responded to my original complaint. It has been ignored. Today XX/XX/XXXX I was served a summons to answer to their attorney and the amount they are requesting or will be suing me for is over {$600.00}. I have never been able to verify the debt. The attorney office of XXXX and XXXX has never sent me a notice to validate the debt. This collection company also has me listed under several different account numbers so we can't verify any of the debt and any attempt to sort this out has not worked and they have not given me any of the information that I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: World Acceptance Corporation
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:
The manager at world finance is very rude. When I tried to pay on the account rep. XXXX denied my payment turning me away several times and eventually through my account into collection 's we

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 2021-05-22
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 I knew someone had stolen my identity so I called Equifax and when I did it said that my social security number had been reported and then it said like I had stolen a childs identity. I have XXXX boys, excuse men for my children. One is XXXX other one is XXXX. I put a freeze on myself but someone has stolen my identity and I am assuming it has something to do with a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transfered XXXX from my bank account to COINBASE. I did it 20 days ago and I have n't recieved the money into my Coinbase account. I have tried to contact Coinbase via email and phone in several ocasions and I have not recieve any answer. Attached is the bank transfer confirmation for a faster solution to my problem. 

My Coinbase account email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations. Please immediately remove these fraud alerts Without my phone number these fraud alerts are useless. Please sent me proof the I requested these fraud alerts. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights. Please send me a record of of the fraud alert request made by me or should I should subpoena such records, please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: MO
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:
My credit reports were affected by the XXXX hack from earlier this year ( XXXX ). I have two hard inquiries on my XXXX and Experian reports that I did not initiate nor authorize. I have called both companies for removal to no avail. I have made numerous calls and have reported Experian and XXXX to CFPB only to get the continued run around.There are two XXXX XXXX inquiries ( dates filed ; XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) on both reports. I have never applied for any XXXX XXXX XXXX XXXX. Furthermore, I actively monitor my credit report and it makes no sense for me to apply for a credit card from the same company within two months ( XXXX to XXXX ) with no positive change in my credit report during that period. These hard inquiries need to be removed immediately from my credit report as they are affecting my overall score and worthiness of my credit. I have included my identification information as well as a copy of my latest Experian report ( outlining the hard inquiries in yellow highlighter ) so that Experian can stop with the games and run-around and remove the negative and inaccurate information from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Premier Student Loan Center
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Premier Student Loan Center was a third party company that called me about student loan forgivness. I jumped on the idea as I had heard about it and was struggling to make payments. The company told me I had to pay a fee to enroll and then I would have to pay just XXXX dollars a month for 20 years which would cover my loan, totalling at around XXXX total. as opposed to XXXX and change. Apparently, they were going to lie about my income to have my loan not be paid at all. Meaning they would report I make so little that my payments would actually be zero ; that is until my income is shown to be more, in which case I would start to pay my loan back again, while still paying them the total of XXXX over 20 years. 
Originally I was told that the XXXX was to pay off my loan. This is incorrect because the company gets 100 % of that money. While my loan would 've only been deferred until I show that I make more money, in which case intrest would still be growing on the loan, etc, etc. 
It was false advertisement and In the long run I would 've paid the XXXX and change plus the XXXX to premier student loan center. Which is no way to help a student forgive their loan.. Pretty messed up if you ask me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-17
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this company in the past. They do not have updated information on my credit report. I have been making my payments every month, plus additional payments and it shows that the payment history is still past due, since XX/XX/2018. This is affecting my credit score and I want it taken care of immediately. I am so done with this company. 
Ally Financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: EQUIFAX, INC.
State: OH
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:
On or around XX/XX/XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting this complaint for an account on my credit reports that I have no knowledge of. I do not recognize this account what so ever, nor am I familiar with the original debtor. I believe that may information may have been obtain, compromised and used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Information and documents were provided to Experian in efforts to remove negative information being reported by Experian, however Experian has not removed the negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I signed up for Fraud Alert with Transunion. I also received a free credit report from them. In the Transunion Interactive Service Agreement, it states : YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. You must notify us in writing within sixty ( 60 ) days after the date you click-on to " Accept '' the Agreement. You must send your request to : TransUnion XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX   XXXX. This request must include your 16-digit account number and a clear statement of your intent, such as " I reject the arbitration clause in the TransUnion Interactive Service Agreement. '' As requested in the agreement to reject the arbitration clause, my 16-digit account number either does not exist, or is nowhere to be found. I called XXXX and spoke with Supervisor XXXX whom was not aware of an account number. Instead, he gave me a FIN number ( that was not 16-digits ). I could not understand his dialect, so, I am not sure it was even a FIN number ; it may have been a PIN number. Furthermore, he advised me to call XXXX for my account number. The representative at that telephone number knew nothing of a 16-digit account number, however, he gave me my User ID which was not 16-digits long. I searched all of the Transunion websites I could find, past Transunion e-mails, as well XXXX searches for where to locate said information, and still could not find my 16-digit account number. 

I 've included in my letter sent via certified mail on XX/XX/XXXX to Transunion all relevant information I could think of including my name, address, User ID ( according to the representative I spoke with on the phone ), and the last 4-digits of my social security number, in hopes of legally rejecting the binding arbitration agreement. It is unacceptable for Transunion to require this account number to reject the Arbitration clause if this number does not exist or if I have no reasonable means of locating the number.

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 2018-04-11
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:
Experian is reporting the mortgage acct XXXX  that was a XXXX  loan at XX/XX/XXXX open that was transfer over to XXXX XXXX / XXXX who change it to acct # toXXXX XXXX we had two mortgages on the property we refinance in XX/XX/XXXX combining both mortgages now there is only one mortgage on the house being service by XXXX XXXX so XXXX  should be mark close paid in full not open and good standing the other two credit bureaus are reporting correctly I have tried to contact Experian about this an could not get through XXXXand XXXX  is the same loan we refinance XXXX loan # s XXXX and XXXX to one loan thank you 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 2021-02-27
Company: EQUIFAX, INC.
State: OH
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:
I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX $ XXXX XXXX XXXX XXXX {$150.00}

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