BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX/17 I received an alert that a new collection was placed on my account. I called Midwest Recovery Systems. I informed them I never applied for a payday loan and I never received written notification of this debt from them. The customer service representative was rude and informed me that they did not have to give me written notification of anything. I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have a right to demand that Midwest Recovery Systems furnish the signed contract between them and myself. This business did not give me written notice of the debt before placing it on my credit report with all three bureaus. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: NRA Group, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dont know where this debt is from. I dont owe this.

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 2021-05-14
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX GIVE AUTHORIZTION TO EXPERIAN, AS PER YOUR REQUEST IN RESPONSE TO MY COMPLAINT

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 2021-11-10
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my bank account at Regions Bank on XX/XX/XXXX. They have now reported me to collections for a {$25.00} overdraft fee. I went to the branch location on XXXX XXXX XXXX, XXXX, GA XXXX and had a banker close the account in person.

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 2022-04-03
Company: Experian Information Solutions 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:
My name is XXXX XXXX and I am personally submitting this complaint, please see attached documents as they will explain my complaint and verify my identity.

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 2021-05-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not updating my XXXX card. Equifax is not updating my credit profile. Why is XXXX stating current and good standing and XXXX balaalsnce but equifax is not. XXXX they all have the same accounts. All.the credit bureaus should be on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This complaint is another manifestation of complaints made already XXXX, XXXX, XXXX. 

My account was overdrawn by Bank of America credit card department and they said they would refund the {$940.00} to my checking account. My account balance was negative $ XXXX. 

Today ( XX/XX/2020 ) I deposited a cheque I received from XXXX for {$3500.00}. 
Immediately I got a call from Bank of America saying they are closing my account for business reasons. 

They were asking about another number I have XXXX XXXX XXXX which is a virtual number and I use it only while traveling outside of the country to receive text messages / calls if needed. 

Their system seems to recognize that as the only number to call. 

My primary mobile number is XXXX XXXX XXXX. I tried enabling fraud alerts on that number as I noticed that it is disabled. The website would not allow me to modify the number. 

Since they are closing the account they say the money I deposited will not be available for 7 to 10 days. This is completely unfair. 

Moreover, I have made numerous cashiers cheques using that account. I am attaching the details. Bank of America must return any money that was not en-cashed by the cashiers cheque holders back to 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 monetary relief
Consumer complaint received 2018-06-04
Company: JPMORGAN CHASE & CO.
State: MO
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:
JP Morgan Chase is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with Chase beginning XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am a consumer affected ( by Equifax XXXX website report ) by the Equifax breech. They directed me to sign up for free for their Trusted ID. Yet when I attempted to do so, the log in page showed that someone had used my email to do so already ... .and that my birthdate and Social did not match. After a month of contacting Equifax about this ( see attached emails ) I still Can not log into Equifax XXXX TrustedID site, nor can I get a password reset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account that was opened was opened without my consent.I am unaware of this account.I 've reached out to this company many times about this issue. They have decided to ignore my concent. This is unfair in many different ways.I am writing to dispute a fraudulent account in the amount of $ _XXXX____. I am a victim of identity theft, and I did not make or authorize this charge or this account. I am requesting that the charge and the account to be removed, that any finance and other charges related to the fraudulent amount or account.I recently spoke to someone from the Jefferson capital LLC and i was told they would send something in the mail about my issue with an unauthorized account opened with my information. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX XXXX, and Ally Financial Inc., have conspired together to compel me to pay a debt that I do not owe and violate public law. As a consumer credit transaction took place and XXXX XXXX XXXX XXXX, accepted my original promissory note as payment which gave it cash value then they attempted to assign said promissory note to Ally Financial InXXXX, without giving me a full disclosure of their intentions. Also after a very detailed study and review of the monetary system and the federal reserve system, I realised that my original promissory note was the original source of value which gave the credit in said consumer credit transaction. Being so I the consumer in said transaction owed no further obligation to said parties. Due to the lack of a full disclosure I sent a notice of rescission of any security interest given to XXXX XXXX XXXX XXXX. Therefore, Ally financial Inc., has no apparent authority to accept any assignment of security interest from XXXX XXXX XXXX XXXX, on my behalf as Ally Financial Inc., didnt provide any consideration to obtain the original promissory note. Any security interest given was done by misrepresentation, fraud and without a full disclosure. I have contacted both companies via certified mail in the form of a notarized affidavit under the penalty of perjury. Both companies have failed to properly respond to said affidavits and have also failed to take any necessary and appropriate action to reflect the termination of any security interest created under the transaction.

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 2021-05-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was transferred from XXXX XXXX to XXXX XXXX XXXX and they have refused to send me my pay-off since XX/XX/2021. I have been trying to lower my rate from a 4.125 to a 2.375 % and they refuse to send me the pay-off. It took them months to send me my mortgage note and other documents requested.

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 2017-10-25
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX XXXX, a financial wire transaction for sum of {$210.00} USD was executed with Western Union XXXX Co. Western Union XXXX Co for reason unknown to me my bank account was charged three times in the sum of ( 1 ) {$210.00}, ( 2 ) {$210.00}, ( 3 ) {$210.00}. A total sum of {$630.00} monies were withdrawn from my XXXX account and {$210.00} was payout by Western Union XXXX Co. Promptly, as soon as the error was detected dispute form was filed with XXXX XXXX XXXX XXXX in XXXX XXXX. All reasonable efforts initiated in good faith to reconcile the financial error by Western Union. 

Finally, On XXXX XXXX XXXX, my identify theft protection service alerted me to XXXX debt collector attempting to collect {$210.00} dollars. I contacted XXXX, who reported they are a collection agent on behalf of Western Union to collect a debt of {$210.00}. Contact was made with Western Union by emails and phone calls multi-times without adequate resolution. On a follow up check of Western Dispute # XXXX case opened XXXX XXXX, XXXX, Western Union informed me that the case has been closed. Western Union said they would reopen the case and look into it. As many times as I have attempted to communicate this error in good faith, they simply have been no resolution. I am concerned because negative financial information will affect my sensitive Government security clearance and position, I am concern that this may not be a isolated incident, I am concern that Western Union has repeatedly failed to resolve this rather simple issue. Documents have been submitted which clearly indicate that the statements above is both accurate and truthful. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I previously had an auto loan with JP Morgan Chase. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on XXXX, XXXX  & XXXX  ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with XXXX, XXXX & XXXX  as well as JP Morgan Chase, with no resolution!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

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 2022-04-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX has violated my rights. 

I have never heard of this company. The FCRA states that a consumer has the right to be notified if any financial institution submits or plans to submit any negative information to a credit reporting agency. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX Mr. XXXX XXXX invoking XXXX XXXX. Default judgment wrongfully entered by XXXX  while in XXXX XXXX. Experian reporting fraudulent information ; to date is completely false. Plaintiff entitled to sum of economic loss, employment, property, assets, future and potential earrings in violation section XXXX XXXX. 

Mr. XXXX is the victim of identity theft/fraud and still ongoing. The documents support and substantiate is the victim of misappropriation of identity theft/fraud since XXXX by 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 2021-11-11
Company: FORD MOTOR CREDIT CO.
State: MN
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX, I made a purchase at XXXX  XXXX for the amount of XXXX. The agreement I signed was for 48 months no interest with equal payments. In XXXX of XXXX, BrandSource which is the card that was opened for the credit charges me XXXX in interest, applied 32 % interest and stated I only had 12 months no interest. I called and submitted my original documents sent to me by XXXX that stated 48 months no interest. They have since lowered the credit limit, reported to all three credit bureaus, and refuse to accept my documents or correct their error. My credit has been negatively affected and no one will help me. It seems that this is fraudulent billing practices for this purchase.

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 2021-05-14
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Been in contact with Experian for almost 7 years to get information reported corrected they are reporting 6 accounts in error I have called, wrote letters, had companies call in and submit documentation to support claim and Experian refuse to update the following account reporting errors. XXXX, XXXX and XXXX accounts were always paid onetime never late both companies have written letters to Experian to have late payments removed and they have refused to removed late payment entries on these account ; need the following late payments removed : XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX. In addition to refusing to remove late payments they are fully aware that I am a victim of Identity Theft ; notarized police report, notarized identity theft affidavits, and letters from the companies themselves stating they did investigation and found that the accounts were not mine they copied me and sent the letters into credit bureaus as well and again Experian is the only bureau the refused to remove the following accounts in fact not only do they still report every month they update with new late payment/closed/charged off account which is making my credit score suffer a great deal. The following accounts need to be removed and blocked immediately : XXXX XXXX XXXX a total of 3 accounts ) and Timepayment. These 7 account reporting in error are making life very challenging especially with COVID-19 I can not obtain lines of credit or increases due to poor credit reporting. I am like the rest of world laid off with no income awaiting the government to send some assistance but until then I have to rely on family members and credit to survive and Experian is making it challenging due to their refusal to update/ remove the above mention account reporting.

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 2022-04-03
Company: AES/PHEAA
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:
Fedloan didnt waive my 10 days when I requested to do so after consolidation. Because of those two of my loans are forgiven and the other two were left behind. If my 10 days were waived like I requested the loans wouldve been consolidated and forgiven together!!! Additionally, almost 2 weeks ago I filled out a request to add loans to consolidation and called in to request to waive my 10 days for that as well. Obviously at the 10 days have gone and went and were never waived. I filed a complaint requesting them to investigate the situation and never heard back from anyone. They are completely disorganized and unprofessional!

Company response to consumer: Closed with explanation