BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Regarding : Southwest Credit Systems , L.P. at XXXX XXXX XXXX Southwest Credit Systems placed a {$43.00} collections account on my credit report on behalf of XXXX XXXX. XXXX XXXX reached out to me before this bill was sent to collections and notified me that I was in fact delinquent ; I paid off the bill in question, again before I understand this account was sent to collections. 

Nevertheless, the tradeline was sent to Southwest Credit Systems who reported the account to the Credit Bureaus as collections activity. I filed a dispute with Southwest and indeed the tradeline was found to be paid in full. Now the account sits on my credit report erroneously, dropping my credit score precipitously, and preventing me from qualifying for a mortgage. 

Please help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX has me over 34 days past due is this is NOT true as my account is paid and up to date as of today XX/XX/2018. I have been working with them since XXXX and XXXX to bring my account current and they still have fees on my account. We currently have an agreed payment on file in the amount of {$540.00} vs {$590.00} which was put on my account by my account manager 3 years ago. I am sick of their illegal collection policies and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX  Loancare LLC XXXX was hacked by unknown authors. I was not able to make mortgage payments and they are now trying to charge late fees. My personal information was compromised, and they never sent me a letter or correspondence to inform me of the incident. Loancare LLC has been sued multiple times over their history for the same reason unable to protected consumers date.

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 2018-08-01
Company: Experian Information Solutions Inc.
State: TX
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:
ftc and cfb violation inaccurate information showing on credit report filed police report

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
transunion is reporting a charged off collection with a third party service i do not have a contract with those third party servicers such as XXXXXXXX XXXX XXXX, and XXXX these are now by law CERTIFICATES OF INDEBTNESS AND IS BEING REPORTED AS INCOME AND ACCORDING TO THE LAW THIS IS ILLEGAL I HAVE NO LIABILITY TO ANY THIRD PARTY COLLECTOR I WOULD LIKE FOR THOSE TWO COMPANIES TO PROVIDE ME WITH AN ORIGINAL CONTRACT BETWEEN US THAT PROVES WE HAD AN AGGREEMENT.

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 2021-07-23
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried contacting MIdland Credit Management since I was aware of the letter I received, in XXXX XX/XX/2020 i was request to make a payment of at least {$25.00} when I was on a call requesting evidence of an allegedly debt and they still haven't provide any information where according to the FDC. I need these account to be closed and deleted from my credit report, I know is not mine and they havent submit any evidence in over two years If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to XXXX on XX/XX/2018 to have XXXX. Sometime during my XXXX stay my phone and debit card were stolen. My phone was clearly not locked and someone took over {$1300.00} from my account while I was recovering in XXXX. As soon as I realized my debit card and phone were gone, I traveled to XXXX XXXX California when I had the energy to which was just a couple days later. I acquired a phone and immediately informed Bank Of America about what had happened. After I got to my hotel in XXXX XXXX, I logged into my account. I saw a bunch of transactions including some that werent approved/didnt go through. My plan was to be in XXXX for two weeks, this completely ruined our trip, and I was in so much pain on top of it. A day after I submitted my claim to Bank Of America, they put the funds back in. 

I thought everything had been taken care of, but then they withdrew all of the money without notice to me about 30 days later which put me in more serious banking trouble because they did not inform me that was going to happen or give me a heads up. I calle them immediately, they said that they didnt believe it because whoever stole money never checked the balance and there should have been more transactions on my account at the time. When I logged in, there were a TON of transactions that were pending ( that first day I was able to log back on ). They are lying and wont give me my money back!! 

Since then I have called Bank Of America, faxed over proof of why I was in XXXX including XXXX papers protected by HIPAA. I have tried to get a police report here in XXXX XXXX where I live however they did XXXX due to the incident not happening in the city limits. Every time I call Bank Of America they say they have no information for me except that they have escalated my claim. But it is been over five months since this occurred, and I want my money back that was stolen. I have done my due diligence and Bank of America hasnt done anything except not cover someone stealing my money like they are supposed to, and put me more in the negative when they took my money back. I have been with Bank of America for a very long time, they have been a horrible Bank in this experience. Please help 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 2020-10-29
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I noticed a transaction for {$290.00} from XXXX XXXX was pending in my citibank checking account that was initiated on XX/XX/XXXX. I did not recognize the charge and when I contacted Citibank on XX/XX/2020 they told me I would need to wait until the transaction cleared before I could file a dispute in the meantime they did close my debit card. XX/XX/XXXX the transactions for {$290.00} posted to my account I filed a dispute immediately and was told that I would receive a temporary Credit in 10 days if they had not come to a resolution. About three weeks later I still did not receive any provisional credit upon contacting Citibank they told me that I need to file a new dispute that this one was overlooked so I filed another dispute for the {$290.00} again I waited about 30 days with no response or provisional credit I contacted Citibank again just XX/XX/XXXX was told that I needed submit the dispute in writing which I did by fax and email. At this point my Citibank account had gone into the negatives they've accrued numerous fees because transaction in CitiBank closed my account with out warning because of a negative balance. The negative balance was due to service fees and I refuse to deposit money into an account until I received a response from my dispute I filed 3 times

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 2020-10-29
Company: NPAS, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/2020 my phone was called by a representative from NPAS stating I owed a debt that has been paid. The representative left return number XXXX or XXXX, called from XXXX, and claimed to be calling on behalf of XXXX XXXX. The representative claimed the call was concerning a " personal business '' matter.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$7700.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My deceased wife and I tried to apply for a refinance back in 2017 that was at a then XXXX XXXX interest rate as we were 7 months behind on the mortgage. The mortgage itself was given to HER ONLY on the basis of her XXXX check as a form of repayment. Wells Fargo came to the house, we filed the proper paperwork and was still denied and stayed at XXXX XXXX interest for a 40 year loan after 11 years of paying interest. The 7 months was added to the mortgage and had to start over. We solicited wells Fargo again, with no relief before she passed away leaving me to solely repay this now 40 year loan. I'm XXXX and will NEVER be able to repay this. This in in behalf of her and I, unfortunately she is no longer here to be at my side to see what becomes of it. ANY HELP would be very much appreciated..This loan was issued to my wife and I assumed it after we married. It remains in her name post death as they instructed me to do so.

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 2020-12-21
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: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
After receiving my credit report, I am not happy to see the below items to be in inaccurate and invalidated.

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 2018-07-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Problem : payment was not accepted, payment was returned several times. Each time a returned payment fee and interest was charged to my account. 
They cancelled any future payments from my bank, this is the only bank account I have. My bank could not understand their reasoning or problem. I submitted my bank routing number, check number, etc. 
I attempted to pay via phone. The payments were made ( XXXX times ) by phone with a Chase specialist assisted provided by Chase. Each time the payments were rejected and fees and interest was added to my account. 

The companies involved : Chase Card Member Services XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charging me a maintenance fees and Im not supposed to have overdraft but my bank account ended up in the red

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 2022-10-23
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-10
Company: EQUIFAX, INC.
State: UT
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:
Showing late on my Equifax credit report as of XX/XX/22 please see image named XXXX. This is incorrect. Tried filing a dispute on the Equifax website, but it doesn't let me. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  XXXX XXXX listed a 30 day late payment on my credit report for XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30 day late payment from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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 am victim of 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 2021-11-10
Company: United PanAm Financial Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company that I got the car from disappeared, closed down. They was suppose to fix the car but the owner got arrested but we still tried to pay the car off. The threatening calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
my sears card was completley paid off, i contacted sears and was advised of the balance in an effort pay off total balance, one month later after paying off card, sears sent a bill for XXXX $ in interest.

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 2018-09-05
Company: EQUIFAX, INC.
State: NC
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:
***To whom it may concern**** I have noticed that XXXX have placed an inquiry on my Equifax credit file dated XX/XX/XXXX and XX/XX/XXXX. I have contacted XXXX and Equifax several times to have this removed and deleted. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Equifax report that you XXXX pulled a hard inquiry. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They will not show me any proof that they were authorized by me with my wet signature to collect debt from me they are using my private information without my permission therefore it should be removed thats 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 explanation