BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Army and Air Force Exchange Service
State: AZ
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:
Issue 1- Mil star is reporting the same negative account to XXXX twice but, will two different sets of data. 

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years. 

Issue 3- XXXX is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity

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 2018-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 we received a letter from Wells Fargo home Mortgage that effective XX/XX/2018 they will no longer be accepting our mortgage payment that our loan has been transfered to XXXX XXXX XXXX and that I should received a letter from then with the new account numbers. I called XXXX on XX/XX/2018 and asked them where my paper work was they said letters have not gone out as yet, I called Wells Fargo on XX/XX/XXXX because I received a statement from them for my XX/XX/XXXX mortgage, they told me that they can no longer accept my payments and payments should go to XXXX I told them that I have to account numbers to write on the check and they said that I should call them. I have no information on my new loan servicer and I do not want to mail a check without an account number written on it as they will not know where to post the payment.

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 2018-12-09
Company: EQUIFAX, INC.
State: WI
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, Equifax, XXXX  and XXXX are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: IL
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Ad Astra Recovery Services Inc
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have already contacted you guys about this and its not resovled and the business is with holding court sealed documents that i provied them with showing i was incarcerated during the time of this account i was incarcerated on 2 separate cases and i served 2 separate sentences for both cases and i provide the business with both documents of this and you guys just let them close the account well its not mine i want it removed off my credit report its not mine so i dont want it closed so its a negative report on my credit yes i may make mistakes but i pay my bills when i have them but this is just not right ive never in my life been to a speedy cash my wife works at money tree here in Colorado if i wanted a pay day loan thats were i would have went so there not removing it and its not mine. My wife works for a pay day loan place and she said by law when a person gets a loan they should have finger printed documents from the person receving the loan well they need to provide these documents because those finger prints will have the proof that its not me ive been a victim of theft someone has stole my identity and i want this removed not closed i want it removed off my credit or i will have to hire a lawer to handle both of these companies that are letting people use my name in theft which is also a crime in it self and i will not let thus go on this is not my account please contact this company and have it removed from my credit not closed because closed is stating its still mine and it shows up on my credit this is not my account its some stealing my identity and it should be removed all the way off my credit report i have court sealed documentes that i will provide you with that shows i was incarcerated during the time this account was opened and ask the companys which are envoled in this act of crime against me and have them remove this completely off my credit report not just close it because its not mine i should not have a debt on my credit if it is not mine i want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
1. TransUnion is still reporting an incorrect address on my credit report, I have no idea why this address came from.

2. I no longer word at XXXX - this should be deleted.

3. I never worked for XXXX - Please Delete

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 2021-02-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint against BMO Harris Bank I have a property Florida has gone through foreclosure. During the first foreclosure I paid the reinstatement fee of what they requested in the time they requested. This was in XXXX of XXXX. It was right about {$24000.00}. This also had about {$5000.00} legal fee. We were supposed to get a reinspection in XXXX. We ordered that from the bank. Then they sent out the wrong insurance company. Then they had to send out another insurance company in XX/XX/XXXX. We then had to hire an engineer and that cost {$3000.00}. I had to pay for that out of my pocket. This was because a tree fell on the house. The bank still has part of the money from the insurance. They won't pay that out now. I missed a few payments on the house and I found out they were doing a foreclosure again. I called them to see how much I needed to pay to get it out of foreclosure. They came out in XX/XX/XXXX and tried to changed the change the locks but my neighbor stopped them because the house was occupied. I contacted them and told them I would pay the back payments to get the home out of foreclose. They tried to charge me another {$5000.00} fee against. I told them I didn't thing that was fair since I paid the fees last time. They then said I didn't pay the taxes but I did. I agreed to pay the back payments I owed. They said they had the right to charge the legal fees. I asked them how could they do that since I could not live in the house since I was getting it fixed due to the tree damage and they are still holding the insurance money. Then they said there was something wrong with the title and that would be another {$2000.00}. I have had this house since XXXX and there has never been a problem with the title. I am the contractor right now and I am paying other contractors to help me to fix the house from the tree falling on it. So all my tools and everything are in the house. They came back in XX/XX/XXXX and broke into the house and changed all the locks. They were not supposed to do that and I advised their attorney that they was wrong. Their attorney said he would check with the bank to see why that happened. The address of the house is XXXX XXXX XXXX XXXX XXXX, FL XXXX. 


this complaint was filed and closed but the bank agreed to resovle and remove service fees and legal fees but to date they have not made the adjustments to the acount. i have made calls and left voicemails and no response.

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 2023-08-28
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
ON XX/XX/XXXX I ENTERED INTO A CONTRACT ACCORDING TO THEY PAPERWORK MY ISSUE IS ONCE I GAVE THE CARE BACK IN XXXX THE CAR WAS SOLD, I RECIEVED NO INFORMATION ON THE SALE! ONE I LOOKED AT MY CREDIT REPORT I SEEN XXXX DOLLARS THAT INACCURATE! BEEN CALL THEM FOR SIX WEEKS TWO AND THREE TIMES A DAY WITH NO REPLY THIS NEED TO BE FIXED OR DELETED FROM MY REPORTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: The Law Offices of Jennifer McCoy, PC
State: TN
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: Was not notified of investigation status or results

Complaint:
I moved out of an apartment complex, 6 months later I was notified they said the carpet had regular wear on it and sent my account to collection without trying to contact me by phone, mail or email.. the collection agency said they looked up my name and sent a letter to XXXX XXXX XXXX not my adress

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/18 American Express called my roommate 's parents house looking for me. 
Ironically, I had stopped by for a brief 30 minute visit. When I was handed the phone the rep told me they were calling in regards to a missed payment that I was about 2-3 weeks late on of XXXX dollars. 

Shocked, I told the rep I would call back from my phone. After over 45 minutes on the phone American Express could not give me answers on how they obtained my roommate 's parents number. They stated I possibly had called from that number before, which I have never used.

I believe there is a possibility they could be getting 3rd party tracking data from my XXXX XXXX XXXX cellular device. I wasn't answers on how they even obtained the number and how they knew I was there at that random moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I was trying to do business with an e-commerce business and went to check out. Upon selecting my payment method I chose PayPal. I went to check out but was denied due to a bank card not being linked. When I opened my PayPal account I see I have PayPal line of credit with more than enough funds available to use. I contacted both PayPal and ( XXXX XXXX ) PayPal credit ; I was told that they select which business can use this line of credit. I told them that they are being discriminatory towards businesses. Upon further investigation it looks like XXXX XXXX and PayPal are in an unethical and bias in determining which businesses can use PayPal Credit and which ones can't. I asked for a list of businesses that I can use my credit with but again was denied such a list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: ENCORE CAPITAL GROUP INC.
State: SC
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'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: Guild Mortgage Company LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to refinance my home through Guild Mortgage. I was guaranteed approval, and was told we could close on a certain date. I have spent my own time and money finding information out about appraisal 's, engineering reports, and many more things, because GUILD refused to do anything. When I spoke with the branch manager, he said he would do everything in his power, and later that day after providing him with the requested documentation, he said he no longer wanted to deal with us and is denying our application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my account was robbed I contacted them sent in police report sent in all documents that was needed call back they still haven't put anything in the computer I asked to speak to higher up management or anyone that can help me with this case no one can help me it's a month later XX/XX/XXXX call back for the money that was taken out of my account they still tell me I have to wait 45 days I think that they're in cahoots with whoever took {$3700.00} out of my account I'm about to be put out of my home I went to the police I sent police reports I sent everything that they needed and they're still not trying to give me back my money I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outragous amount of accounts that have been open or are ope. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BNKRUPTCY DISSMISSED

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 2020-11-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2021-02-25
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICOLLECT is claiming that I owe them {$51.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX continues to report my account late monthly to the various credit agencies. 

The student loan account was charged off and I was told would be sent to a collection agency. The agreement was that to avoid being sent to a collection agency, I can pay XXXX XXXX the monthly agreed upon payment directly at a reduced interest rate. 

Ive been paying them approximately {$200.00}, as agreed, monthly over the last two years, never late during that time. However, XXXX XXXX has been reporting my account late every month with the credit bureaus r

eporting the account as failed to pay. Ive included a copy of the XXXX   credit report which reflects the current balance of {$35000.00} ( original balance of {$33000.00} ). There is a past due listed if {$9300.00} which is not consistent with any communication provided by XXXX XXXX. 

The repayment terms are 235 months. 

The current monthly payment of {$200.00} across 235 months at 0 % interest, clearly indicates that it more than pays for the debt over that period of time. As such, the reporting to the various credit agencies is incorrect. The account should be reported as current - in repayment - paid as agreed. 

XXXX  previously removed the account for a month based on my dispute but they started to rereport as of last month. I would like for this account to be reflected correctly on a monthly basis as paying as agreed or removed from my credit report permanently with no future reporting. 

Thank you, 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 2022-08-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi. On XX/XX/2022 I was coerced and scammed out of {$2000.00} total. A man named XXXX XXXX convinced me to send him and his co-workers money. I sent {$1000.00} to his cashier XXXX, {$750.00} to XXXX, and {$250.00} to XXXX. I called Chase Bank on XX/XX/2022 and they were no help. Ive been scammed and this loss of money is detrimental to my health as I need this money to survive. Please get back to me as soon as possible l.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXXCal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation