BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First I received a alert through XXXX XXXX XXXX stating a debt collection. By the name of Dynamic Recovery Solutions never hear of it. So I called the number that XXXX had listed in the alert, mind you I didn't have to type the phone number in. It was a linked number in the report, the number sent me to an employee XXXX help line. I told them what was going on and that this was the number provided as a linked number. They told me to call XXXX I did and it explained it to them, they looked into my credit history and was able to find supposedly the origin of the debt collection. A company called XXXX XXXX called the number provided by XXXX. They immediately started asking for personal information, I explained I wouldn't give them anything until they first confirmed their address provided by the XXXX  alert. They gave me a completely different address, then when I explained how I called the number that is linked in the XXXX  alert and it went to the employee XXXX help line, the lady hung up. So I called XXXX back and let them know this is definitely a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Family of XXXX ( wife and husband along with XXXX kids who are twins, aged XXXX XXXX XXXX Wife enrolled the XXXX kids for preschool in XX/XX/2022 for a first day on XX/XX/2022. Tuition is {$2600.00} per kid, per month. 

All of the enrollment process was conducted via email, with the XXXX XXXX  director, using her personal XXXX email account. 

As part of the enrollment process, the school requested funds for 1. {$2100.00} for a deposit and 2. {$2600.00} for the first months tuition For a total of {$4700.00} per child ( therefore {$9400.00} total for XXXX kids ) This funding was to be made before the first day of class. Wife was advised to send payments via XXXX to 2 email addresses : XXXX name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In total, XXXX XXXX payments were sent on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Wife initiated the XXXX payments online through the advice received via email. 

Following the first day of school ( XX/XX/XXXX ), the XXXX director asked us via text message whether we had make the payments and we told her we had complied with her request via email. This was how we discovered that the XXXX funds were misdirected, and therefore fraudulent. Not known to any of us ( Wife, Husband or the XXXX  director ) was that the XXXX  director 's XXXX email account was compromised with a man-in-the-middle, and was being controlled by someone else. See screenshots of the email conversation from both the perspective of Wife and the XXXX director. The email thread has been doctored by an unknown 3rd party. 

Wife then emailed XXXX and XXXX to ask that they return the funds sent to them via XXXX. There has been no response. 

Wife called her bank ( JP Morgan Chase ) on XX/XX/2022 to see if the XXXX payments could be reversed. The bank said XXXX transactions are not reversible. 

Wife again called JP Morgan Chase on XX/XX/2022 to ask if there was a report or complaint that could be filed and the bank told her no, as the transactions were authorized. In addition, from the banks perspective, no fraud has taken place as the XXXX XXXX transactions were all initiated by Wife. 

Attachments * XXXX XXXX payments totaling {$14000.00} from XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/2022 * Email correspondence from Wife 's email account * Pictures of email correspondence side by side from 2 perspectives. On the left is the XXXX  directors mobile phone. On the right is Wife 's mobile phone. The messages that the XXXX director sees are modified from those that Wife has received and replied to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: WASHINGTON FEDERAL BANK
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Here is a summary of the chain events leading up to today : XX/XX/XXXX - my wife and I visited Washington Federal 's branch location on XXXX XXXX after receiving a letter indicating we owed Washington Federal money. We thought it was SPAM,  but given the branch was near our house, we went in to confirm there wasn't some type of mistake. We spoke with XXXX, who informed us that approximately five years ago, Washington Federal acquired XXXX checking accounts for XXXX-based accounts. Despite the fact that my XXXX account was established in XXXX, because we now live in XXXX, we learned that our account was affected by this. Based on the records that XXXX was able to pull up in the Washington Federal system, unbeknownst to us, Washington Federal began applying monthly fees to our account for at least the past 18 months, effectively draining it of every penny to the point where Washington Federal was now informing us that we owe the bank money. Upon trying to determine why this was happening, it was evident that there was no cost being incurred to Washington Federal, but simply that new terms had been applied and that this was at the discretion of WashingtonFederal.  I was also told by both XXXX and, subsequently XXXX XXXX the Washington Federal regional VP, that we had been suitably notified of the account changing hands from XXXX to Washington Federal. I can not confirm if anything was ever sent from either XXXX or Washington Federal on this matter, but I can confirm that my wife or I never received any such notification. Never. Moreover, after I established the XXXX account ( I believe in 1993 ), at some point several years later as a XXXX employee I was given a lifetime account that was to be free of administrative-based charges XX/XX/XXXX ( after a series of voicemails and short chats ) - XXXX and I spoke and XXXX reiterated the bank 's offer to close the account and pay back one year 's worth of fees, equaling approximately {$120.00}. XXXX also indicated that the balance of my account when it transferred from XXXX to Washington Federal was approximately {$230.00}. The bank 's position on this is that this offer is more than fair given its policy of only going back and reversing three months of charges and that I, as the account holder, should have been checking my balance more frequently.

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 2018-10-01
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to make a payment TODAY the XXXX of XXXX for payment of my missed payment loan for the month of XX/XX/2018 and I deposited the funds into my XXXX XXXX account ( see attached document ) however the Teller told me they would NOT process the payment of the Loan because I had to talk to the Loan Officer first XXXX XXXX XXXX who did not respond to any phone call or emails from either myself or the Bank Branch Manager XXXX XXXX XXXX also copied in all correspondence. I have been late with my payments because of a XXXX and a consequent XXXX that caused me to be unable to work and earn commissions. I have made all payments that I possibly can and I have never passed the 120 days which will cause a foreclosure procedure. I have explained my health situation and this XXXX XXXX XXXX purposely refused to accept a full amount payment today so that he can proceed with the foreclosure.He should be investigated for such actions it looks like he has a personal interest or may be associated with people who buy foreclosures cause my home is only at 50 % financing and the bank refused to do an equity loan to cover for the payments missing.

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 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Today on Friday, XXXX XXXX at around XXXX EST I spoke with XXXX XXXX an auto loan representative with Bank of America . She asked me questions to verify my identity and one of the questions asked for my current address. I provided my current address to  XXXX and she said she could not move forward with the approval of my loan because the address she had was not what I told her. The address she ultimately told me is not my current address. I have not lived at that address for over 18 months and yet she could not move forward with the approval. I was shocked. I have been a client of Bank of America since 2015 so they are well aware of my mailing address. She said that BOA had my correct mailing address but that it was the third party company that they use to verify the client showed a different address so she couldn't move forward. I asked for the name of the third party company but she said she wasn't at liberty to disclose that. 
I am deeply disappointed as she and XXXX, the representative I spoke with yesterday who filled out my application, verbally given me the approval and just needed to verify my identity before sending me the approval letter.

This is so weird. I don't know who has my wrong address but it needs to get fixed. Now I don't want another hard pull on my credit so I don't think I'll be able to purchase a new car. So disappointed.

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 2023-01-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
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:
On XX/XX/XXXX I opened an email from my bank, XXXX, that a derogatory account was on my credit report. I went to XXXX to review my credit and found a loan for over {$68000.00} with Toyota Motor Credit. I've never taken out a loan with Toyota Motor Credit nor do I currently have a vehicle with a lien against it. I contacted XXXX and Toyota Motor Credit on Tuesday, XX/XX/XXXX to dispute this information. I have yet to hear a resolution from either of them. I also contact the auto dealership ( XXXX XXXX in XXXX XXXX, AR ) where I believe my identity was used to purchase the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: ACIMA CREDIT, LLC
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: Public record information inaccurate

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Per court order divorce agreement ex husband assumed Bank of America home mortgage. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called Bank of America. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau XXXX and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. XXXX says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.

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 2023-01-28
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus last XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXXXXXX XXXX XXXX for a very long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship 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 explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: MD
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: OneMain Finance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Since XXXX I have paid OneMain Financial {$1200.00} in interest fees. 

I have only paid {$370.00} towards my principal. 

Previously, around {$60.00} had been going toward my principal the past 2 months, only around {$30.00}. 

Is there not some sort of pay structure these companies have to follow? 

Can they just put whatever they want towards the interest/principal? 

I called them and told them they were going to have to lower my interest or come get my truck. Their reply was " we don't come get your vehicle, we're not in the used car business we'll just sue you for the money. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo has charged me a monthly fee for my checking account even though it has more than {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX mailed a Validation letter to Phoenix Financial Service on XXXX XXXX Phoenix Financial Serv, didn't reply after 5 days of speaking with according to code USC 15 1692 G Phoenix Financial Serv, did not provide validation of debt as requested Phoenix Financial Serv did not cease in their action to collect on a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Commonwealth Financial Systems, 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:
Collection Agency Common Wealth Financial 
account XXXXfor $XXXX and XXXX for $XXXX
I have talked with this company and advised that this is for me and that they have no bill nor proof of my DL id or signature. I have disputed with XXXX, XXXX and XXXX and they have failed to remove this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: AR
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 have contacted Experian several times to dispute these inquiries and I have received multiple answers to throw me off. The following inquiries were made without my granted consent : XXXX XXXX/XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: National Credit Adjusters, LLC
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 information incorrect

Complaint:
I have a balance of {$3800.00} showing on my credit report from National Credit Adjusters. I paid the loan back which was XXXX. I also have proof from my bank that I paid the loan off with the previous company called XX/XX/XXXX. I paid the loan off on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two problems : I received the bill for to pay electronically which encourages for me to make my payment via the website. My payment is due XXXX and their system allowed me to set up my payment for XX/XX/XXXX and I am still getting calls everyday and when they call from an unknown 800 I have to assume it's them they are asking for the last 4 digits of my social security number and don't feel comfortable giving that out also I feel harassed that if I contacted the creditor on their website and made arrangements why do I continually still gets calls? 

Also, I requested Flagship for an extension due to Covid for two months and they stated can only do 1 payment extension/deferment and at no time did they mentioned it would be reported to the credit bureau as a natural disaster.

They also misspelled my name on the account and that is the way my title would come if I finished paying my car 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 explanation