BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I was notified by email that a hard inquiry was made between XXXX XXXXXX/XX/2019 by XXXX XXXX XXXX XXXX GA. 

After reviewing my report it showed me that XXXX XXXX did the inquiry.I did not authorize any inquiry from XXXX XXXX. 

I did call XXXX XXXX on XX/XX/2019 and ask for information regarding the inquiry and why it was done. I was told they would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company solicited my information and illegally obtained it by way of Michigan banks to coerce payment and tarnish my reputation to other banks. All the information they have is fraudulent and it has been obtained and used without my authorized consent. Chexsystems has furnished an entire report using my personal identifying information. Their federal violations and actions have hindered me from being able to open personal bank accounts and I have been denied consumer 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 2020-11-12
Company: Norwich Commercial Group, Inc.
State: ME
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 had a mortage with XXXX XXXX for 3 yrs and never had one late payment, last yearI was refiancing and told by the lender I was working with not to pay XX/XX/2019 payment because it was included in the loan payoff. The entire loan was paid off on! XX/XX/2019 in full and then XXXX reports me as being late on my payment. 
I have had no success with XXXX XXXX removing the mark from my credit report XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On XX/XX/XXXX I applied for a Delta Gold American Express via a mailer offer. The flyer stated {$0.00} introductory annual fee for the first year, then {$95.00}. I applied as directed and was approved. On my first statement an annual fee was charged to my account. I initiated contact with American Express on XX/XX/XXXX thru the online chat feature asking why I was charged. The costumer service agent requested an investigation. I did not hear back and contacted American Express again on XX/XX/XXXX and was told it was still being investigated. I contacted American Express once again on XX/XX/XXXX and was told that the issue was reviewed and that American Express was unable to find an offer stating this and that I was ineligible for the waived first year fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I was contacted by someone at PayPal Credit requesting payment of a debt for {$110.00}. I was unaware that I had this debt and when it was explained I paid the charge over the phone with a XXXX XXXX XXXX   debit card. A copy of that payment is attached. The debit card is a Visa card.

OnXX/XX/2018, I received another call requesting the payment of the debt from XXXX, a PayPal Credit employee. The original charge had increased due to late fees. XXXX  was insistent that I had not paid and could not be persuaded that PayPal had made an error. To XXXX it was obvious I was a deadbeat. XXXX lacked the computer skills or the authority to see into my account. I was then transferred to two other people. One named XXXX  and finally a supervisor who stopped the harassing calls.

I then submitted documentation from the XXXX XXXX XXXX  and again PayPal insisted that this was not enough documentation. I went to my bank and Mr. XXXX XXXX, the bank manager, signed that the payment was made. I am again submitting the required documentation.

There is little else I can do and the late charges keep piling up. Apparently, this incident demonstrates the limits and the ultimate failure of online financial transactions. I will not be held responsible for the incompetence of PayPal. Therefore, I am requesting that you study the matter and solve my problem.

I am not responsible for PayPal 's inability to keep track of their money.

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 2022-01-07
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello, I used to have a TCF bank account ( both saving and checking ) when I was studying in college through XXXX until XXXX, TCF bank was the only bank in my school area. After graduating from school and married, I went to TCF XXXX, Illinois location in XXXX to close down both my accounts with TCF due to the distance. I withdraw all my savings and TCF bank clerk helped me to " close '' my account. 

However, since early XXXX, I started to received bills from Hungtington bank, who later bought TCF bank in XXXX and TCF doesn't exist anymore. And the Hungtinton bank bill keeps charming me " overdraw ' fees ( {$10.00} ) every month. I called Hungtington customer service line ( XXXX ) twice in XXXX to report this situations. First, I am no longer a TCF active user and already closed my account. Second, I never give authorization to Hungtington bank to open a 'new account ' with them and disclose my personal information ( my home address, SSN, name ) to them. After communicating customer service 2 times, I addresses the fact that I don't need an account with Hungtington and please checked that the account was closed successfully. And they did confirm on their end to say that it was closed. Unfortunately, on XXXX. XXXX, I received a bill from Hungtington bill again and charges me {$10.00} for overdraw fees. I tried to call the customer service and I was waiting for an hour but nobody picks up the phone at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called this collection and they are doing nothing about this matter. I never even been to XXXX XXXX. I am not responsible for someone using my information. This is nothing but a fraud account. They think its ok to keep a fraud account on consumer credit when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
NOTE YOU REPLIED THAT XXXX XXXX NEED MY AUTHORIZATION I GIVE PERMISSION TO REPLY TO MY CONCERNS XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOUR COMPLAINT Open account with ( WELLS FARGO ) XXXX XXXX FUNDED Account with Legal Tender FINANCIAL INSTRUMENTS # XXXX AND account FEDERAL RESERVE BANK XXXX CHECK FROM ACCOUNT XXXX ACCOUNT WAS OPENED WITH UNLIMITED PREPAID FUNDING FROM FEDERAL RESERVE BANK XXXX WHICH WAS ESTABLISHED WHEN I WAS BORN ON XX/XX/XXXX WHEN MY MOTHER SIGNED ME OVER TO THE FEDERAL GOVERNMENT WHICH IS NO LONGER IS MY EXECUTORS OR ADMINISTRATORS I AM THE SOLE BENEFICIARY OF MY FEDERAL RESERVE ACCOUNTS XXXX AND XXXX FEDERAL RESERVE BANK XXXX NO XXXX HAS ANYMORE POWER OF MY UTILITY STRAW MAN THAT WAS CREATED AFTER CERTIFICATE OF LIVE BIRTH CREATED BY THE XXXX XXXX! XXXX order by my Father XXXX  TO OPEN MY ACCOUNTS WHEN I GOT ACTIVATED 2 YEARS AGO AND THREW ME FOUNDING OUT ALL THIS INFORMATION OUT NOW HERE COMES ALL THESE WITCHES CULTS AND SECRET SOCIETIES AFTER MY XXXX   SENDING NEGATIVE VIBRATIONS AND PUTTING SPELLS ON MY FINANCIAL INSTRUMENTS # XXXX ALL I DID REPENTED AND TURN TO MY CREATOR # Amen who is my Father in Heaven the one who sent me to save humanity and told me if your doing right then continue to do my Father Will to Promote my XXXX with Love, Peace and Prosperity I ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) THE ONLY THING I DID BUSINESS WITH ALL THESE BANKS AND AGAIN IF I DID ANYTHING WRONG THEN I SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF MAN LAW RIGHT? SO I GIVE AUTHORIZED REPS FROM WELL FARGO TO ANSWER THIS MATTER TO THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WILL NOT BE TREATED LIKE THIS BY MY BIRTHRIGHT I AM GIA MOTHER EARTH TRUTHFUL RULER ... AND THE PEOPLE WILL SAY AMEN

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 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2019 Letters written on XX/XX/2019 from Bank of America state : " We've completed our investigation of your above referenced claim and based on our findings, we're unable to honor the claim because the transfer was made to an account that you own and the funds were made available to you for personal use, used to pay an obligation owed by you, or both. As a result, we're respectfully denying your claim. '' Transfer was made by a thief, and not available for our personal use ; because we were not aware that the unauthorized transfer was allowed by the bank until after-the-fact, when we received a bank alert on XX/XX/2019 that our account had been accessed by an unknown device. By that time, it was too late, our money had already been stolen, and was unavailable for our personal use. Since the money was stolen in person at the XXXX XXXX, VA branch by someone impersonating my wife, the money was not used to pay an obligation owed by us. 

We were told by a bank employee at our branch that to do this, the thief had to present two forms of identification ; which was most likely a driver 's license, and my wife 's bank debit card. The bank 's own records of her checking account show that on XX/XX/XXXX, her legitimate debit card was used to make a purchase of {$25.00} at the local XXXX 's store in XXXX XXXX, Fl, and could not have been used on the same date in Virginia. 

The bank 's records also show that for the savings account, her debit card was used to withdraw {$400.00} from the Bank of America ATM # XXXX in XXXX XXXX Fl, and could not have been used on the same date in Virginia. I ask the bank to examine the camera footage from this XXXX XXXX ATM, and compare it with the camera footage from the XXXX XXXX branch to clearly see that not only were these not the same people involved, but also that it is physically impossible to be at two distant locations at the same time. My wife 's employer has provided us with records which prove that she was at work in XXXX Florida on both XX/XX/XXXX, and XXXX and could not have been in Virginia to personally withdraw funds from the Virginia branch. 

Based on the incontrovertible evidence which I have provided, I ask that the bank reverse it's determination derived from its ' flawed superficial investigation. My elderly in-laws life savings were taken as part of this fraud, and they can not sustain such a devastating loss. My family can not just excuse a theft of {$17000.00} and I will continue to pursue this matter until the time that all of our federally insured funds have been properly returned.

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 monetary relief
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: PA
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:
There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through XXXX, XXXX  and Equifax and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, XXXX, Equifax and XXXX and have them delete these inaccurate, illegal inquiries of my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and XXXX XXXX XXXX were both paid off in full but both are still being reported as being late and in collection, charge off status.

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 2021-09-15
Company: M&T BANK CORPORATION
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:
I called M & T bank where I have my loan for my vehicle through they were to set payments back when covid-19 hit for some reason in XXXX of last year they are stating I was late on a payment or missed a payment which is not true I've been on the phone four or five times and still can not get this resolved if you look at my payment history it's excellent until covid-19 hit when I lost my job and that's when I had payments move to the back of the loan so I did not miss or was not late and was told I would have nothing like that on my record if I put these payments to the back of the loan but still can not get any where's with this 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 monetary relief
Consumer complaint received 2019-09-26
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I was given a letter from Caliber Home Loans regarding my escrow account that showed that I had a shortage amount of {$19000.00}. After an exhausting process of trying to contact someone at Caliber who knew how to assist, I was told that Caliber " accidentally '' paid the property taxes of 3 other properties that had nothing to do with me. I was told that some parcel numbers got mixed up and the only thing I could do was wait for Caliber to contact each of the Townships while they requested a refund for the error. 
In XX/XX/XXXX, my escrow account had a positive balance.of {$3600.00} and then in XX/XX/XXXX, my escrow account balance magically changed to - {$6100.00}. There is no details on any statements on what happened between XX/XX/XXXX and XX/XX/XXXX, but Caliber somehow lost approximately {$9000.00} and have had my escrow account starting at a negative from XX/XX/XXXX and through XX/XX/XXXX. 
Today, XX/XX/XXXX, as of XXXX ET, I am being told that in XX/XX/XXXX a check was sent out that was just over $ 6k and that is why my account is short. I have never received a check from Caliber, nor was anything communicated regarding this. 

I am demanding that someone contact me immediately to get this resolved ASAP. This is two years in a row now that Caliber has messed up my escrow account and this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: LDF Holdings, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX is an arm of the XXXX XXXX. I took out a {$700.00} loan ( # XXXX ) from XXXX  XXXX XXXX  in the summer of 2018 for medical bills, because my credit score doesn't qualify me for a traditional loan. I was unaware of the triple digit interest rate which is in violation of Minnesota law and that the loan is not licensed in the State of Minnesota. Furthermore, XXXX XXXX  XXXX said their loans are not germane to Minnesota. They issued a loan from a sovereign entity illegally to a resident of a sovereign  state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My son answered my doorbell and was handed a statement of claim that I am being sued by Portfolio Recovery Associates, LLC. I need additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My check fraud claim was denied because lack of ordinary care. Chase stated that I have a previous claim in 2014 and did n't close my account so this claim can not be approved. However this claim is because stolen checks and complete unrelated to the last one, even if I opened a new account, the stolen checks will cause the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Their investigation did not fix an error on your report

Complaint:
I have an account XXXX XXXX XXXX on my Equifax report that has inaccurate and incomplete information. 

I have been disputing with Equifax to have the account deleted due to these inaccuracies yet, the report keeps coming back verified as being my account and that's never been my dispute. 

I also asked for the method and contact information of the furnisher of data as part of the investigation of my dispute and I never received what I requested. 

the last dispute result from Equifax came back stating my dispute was unclear, yet I was very clear about what I was disputing. See below. 

Even though the account was disputed, the Furnisher has not reported as such in the comment section. 

Actual Payment Amount : a ) Equifax is reporting {$16000.00}, and XXXX is reporting {$21000.00}. The data does not match and is grossly different and therefore can not be reporting accurately. Please correct or delete account immediately. 

Date of Last Payment : a ) Equifax is reporting XXXX as XX/XX/XXXX. However, it also reporting Charged Off as of XX/XX/XXXX. How can that be accurate reporting with a 14 month difference in dates? Please correct or delete account immediately. In addition, I never made a payment in XXXX. 

Term Duration : a ) Equifax is reporting it as ( 8 ) and XXXX is reporting it as ( 80 ), therefore the data is being reported inaccurately. Please correct or delete account immediately. 

Lastly, the contact information is different. on XXXX it says XXXX XXXX phone number XXXX. On Equifax it shows XXXX as the contact, different address and a different phone number XXXX. So which one is the factual data?

Company response to consumer: Closed with explanation