BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: FACTUAL DATA CORP.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
suppressively, In my credit score from XXXX  XXXX  appear that on XX/XX/2019 a company named Factual Data checked out my credit score. I do not what is that company and why they checked out my score. Now, this act brought me problems in my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2019 received text and e-mail messages that Debit cards had been ordered on my accounts with US Bank. When I called US Bank I discovered that a male person ( I am female ) posed as me and called the 24 hour banking line to order these cards. He knew personal information such as my name, e-mail address, and mailing address, as well as my debit card number and pin. I had the card in my possession at the time. On XX/XX/2019 this person used my debit card number on the USPS mailing address change website to change my address in Washington to an address in Florida ( I do have the data for that address as well ). My bank account was charged the {$1.00} fee, which they have refunded. I spoke with USPS, but was not able to stop my mail from being forwarded to Florida. They can not confirm what or if any mail with my name was actually delivered. They are holding my mail and are supposed to be sending it back to my address in WA. I cancelled my debit card in person at the bank and ordered a new one,  which I did receive. The bank kept my old card. This person also attempted to change the e-mail and mailing address on my bank account, he was not successful.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It should not cost to freeze and unfreeze credit. With the recent breach, freezing all three should be free. Even giving one free freeze/ unfreeze a year would be good.

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 2022-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2017-10-04
Company: EQUIFAX, INC.
State: CO
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:
The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time  wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
For 2 weeks I have been trying to contact the Bankrupcy dept of Midland Financial LLC. There is a Leon on my home that was discharged in Bankrupcy. I have made at least 100 calls to this company 7 different department and have not been able to get a representative on the phone that can help me solve this issue I ask to speak to someone in the states and left me on hold for a hour. 
I am at my wits end trying to resolve this issue and have had no success. Please help Im scheduled for a closing on my home on XX/XX/XXXX XXXX  and can not close due to this issue. This company has insufficient standards for the consumer to obtain their personal information to solve a issue. The dates of calls are from XXXX  XXXX XXXX to present date. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I deposited a payroll check via the XXXX XXXX through my bank PNC Bank, in the amount of {$750.00}. I was told that funds would clear and be available on XX/XX/2022. Upon trying to make a purchase, once the funds posted as available in my account in the amount of {$750.00}. Upon calling my bank on today XX/XX/2022. I was told that my bank account has been frozen and that I could not access my account. As of today I had money already available in my account and due to this freeze the bank will not provide me a reason why my account is frozen, nor will they allow me access to my funds. Please assist me with this complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Original creditor : XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2017-10-04
Company: Experian Information Solutions Inc.
State: CO
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:
The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?

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 2017-10-04
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX XXXX always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: NOVA Financial & Investment Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX notified me that my mortgage would be increasing by approximately {$700.00} per month. They reported the cause for the increase was to correct a significant deficit in my escrow account. They reported my account was {$5000.00} short. They report my loan originator is to blame for this. I can not afford such a significant increase in my mortgage. I now own the house and have to pick up a second job to cover the increase escrow estimate for next years taxes and the {$5000.00} shortage. Had nova not recklessly miss calculated my monthly payment I would not have purchased this house because it is outside of my budget with the correct tax calculation. My second job will have me away from home during weeknights and one Saturday a month. Nova home loans needs to make this right and correct their error by helping me recover from this and pay the {$5000.00}.

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 monetary relief
Consumer complaint received 2017-10-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not mean to be disrespectful to anyone nor avoid anyone but this Bank called again looking for XXXX. My dead dad is XXXX. I 'm XXXX and I have no dealings with this bank and since I receive numerous phishing scams etc. the gov themselves states do not give out any information via phone. I am upset as I continue to be called. You were advised on an earlier complaint and per their own words that upon notification they removed me from their list and I would not be called- Evidently opinion by experience this is par for collections or scammers. -I received a call on XXXX/XXXX/XXXX at XXXX XXXX  Tuesday XXXX XXXX XXXX XXXX XXXX It upsets me they continue. I do believe they can not call anyone but the debtor spouse or lawyer. I hope they refrain from continuing this action since evidently they did not respond truthfully to you on the first complaint!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, Once again XXXX XXXX has made a crucial error in handling my escrow funds, this is the second error they 've in the this year. I already had to file complaint XXXX when they misappropriated my escrow funds, and paid the taxes on my entire building ( vs just my unit XXXX even after I proactively went to them. They have the made same error again. 
I live in a new construction condo building, and up until recently the PIN was n't assigned. I know have PIN XXXX assigned to me by the XXXX XXXX XXXX XXXX XXXX IL ), with no tax payment due until XXXX XXXX. I have been paying {$440.00} a month into escrow specifically for taxes, with an estimated annual tax bill of {$5300.00}. XXXX XXXX just sent me an annual escrow account disclosure stating that the county tax is {$23000.00} and annual disbursement is {$26000.00}. They have now doubled my monthly payment telling me this money is owed. This figure is wildly inaccurate as I do n't have a tax balance due nor an established annual payment from the county yet, I can only assume they 're once again basing this payment on the common lot that the property was built on ( XXXX is for the entire Development and not just for my individual Unit )

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 2022-04-06
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, my mortgage company ( or loan servicer, I am still confused about who is responsible ) offered to put my husband and I on the XXXX mortgage forbearance program. They did not require any application or explanation of hardship, and told me at the time that my payments would be deferred to the end of my loan. 

In XXXX of XXXX, we were removed from this program, apparently because they were unable to contact us, although I do not recall ever receiving a call regarding the matter. I received a call in XXXX of XXXX from collections, letting me know I owed {$15000.00} in back payments. Since then, I have not been able to make regular payments on my account, which has negatively impacted my XXXX XXXX and put me at risk of foreclosure, despite being able to afford/resume my payments. I am now in a XXXX process with the XXXX XXXX department with no indication of when this issue will be resolved My complaints are as follows : XXXX. I was not provided adequate documentation or explanation of what would be required to have my payments deferred, nor was a told that there was no guarantee that I would qualify for deferment. When the company enrolled me in the forbearance program, I was assured my payments would be deferred and was not told anything about the complicated loss mitigation process I now find myself in. I am now forced to share personal financial documents ( bank statements, tax returns, pay stubs ) to justify a " hardship '' that no longer exists. The process has been humiliating and I'm now faced with the threat of losing my home, a situation I was NEVER told was a risk of this forbearance program. 
XXXX. I have not been offered any method to resume my current payments while my loss mitigation application is in review. This has negatively impacted my credit through no fault of my own. 
XXXX. I am unable to get through to anyone in the underwriting department to discuss my application. They sent me a loss mitigation packet and told me to just fill it out and send it back, without explaining all the documents I needed to submit ( or how to submit them ). I was never told about the online portal ( which I found on my own ). I was told I would receive a call from the underwriting department and have yet to hear from them XXXX weeks after my request. My emails to the XXXX XXXX department have gone unanswered. 
XXXX. I was told that I have an assigned a " single point of contact '' but the number given is the general XXXX number with no option to enter an extension. I have been unable to contact this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: NC
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 received a copy of my credit report were a collection account appears with a outstanding balance the problem is the item doesnt have a outstanding balance. I have disputed the item several times and yet the credit bureaus still report it and havent provided a response to my dispute it has been over 45 days since last dispute. The collection company is XXXX in and out documentations are attached I previously advised that the account was opened as a result of stolen ID and although I paid the account to remove from file it should have never been placed on credit credit report police report attached

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX  {$5400.00} / XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I made deposits totaling {$30000.00} to my Chase business checking account. Of these checks {$12000.00} were made out to my newly opened company called XXXX XXXX. The other {$18000.00} were second party checks and were given to me as payments which I deposited into my Chase business account. Chase then froze all the {$30000.00} that I deposited and didn't allow any of the amounts to clear into my account. This included the checks that were made out to my business name. They said that this was due to their need to verify the second party checks and as a result until the checks are verified they are not going to release any of the money. The checks ' money was taken out of the original payers accounts and not released to me as such that I can not even ask the original payers to reissue me a check as they said the money was removed from their account. I spoke with Chase multiple times for a few hours each time and asked them why they don't release the money to me. They said we have to verify the checks and each time I call they claim to be verifying the checks as we speak. Each time they said they verified some but not all of the checks and until they verify all of them they can not release any of the checks including " the ones made out to my company that aren't second party checks which were verified ''. The next time I call however they have to reverify everything from scratch as if they never verified anything and they never finish verifying all the checks and don't verify unless I call them so at this rate I will never get my money back. I tried explaining to them that they should at least release the checks made out to my company but to no avail. They closed my account and as such I also don't have access to my info and statements. This has caused me tremendous financial damage to both my company as this is a fairly new business and this harms my day today operations in my business. as well as to my personal finances.

Company response to consumer: Closed with non-monetary relief