BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from my credit reports that I have a new collection. I checked into it to see who and what it is from and the collector is Commonwealth Financial. I have not received any phone calls, letters, or anything attempting to collect a debt. I searched the Secretary of State website of Texas to try and gather more information, however they are not licensed to collect in Texas. They are claiming that I owe {$92.00}, to whom I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that an collection account was added to my credit report for XXXX XXXX XXXX via Conserve on XX/XX/2021. I called XXXX and told them I never received any correspondents about owing this debt and made a full payment. The lady told me they would call conserve and have the debt removed. Today XX/XX/2021 conserve is still reporting it as an unpaid collection account so I called conserve and told them this debt was paid and that I didnt receive anything from them or XXXX and this debt needs to be remove from my credit report and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: AA Recovery Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
AA Recovery contacted a relative and left voicemails and spoke in person, revealing specific details about my payment arrangement, the original debt, and pending payments. I made an initial payment on XXXX and had a payment scheduled for XXXX. I rescheduled the second payment to XXXX. On XXXX, AA Recovery attempted to process the payment anyway. After this payment did not go through ( as it was not the amended payment date ) AA Recovery called an unauthorized third party multiple times. Contacting AA Recovery regarding this on XXXX, I was told that the person I made the arrangement with was no longer with the company, and the case was assigned to the person who violated my privacy. The manager took over the case from that phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
From XX/XX/XXXX- XX/XX/2018 I had noticed a few unauthorized transactions on one of my paypal accounts.Paypal claiming I made these transactions but with no verifiable proof of me doing so. I have tried a couple times getting in contact with them regarding these transactions and they still continue to deny recovering my funds. This is not even their money and they have no right to keep me from recovering these funds. 

Statue of limitations allowed me to file any and all unauthorized/fradulent transaction ( s ) up to a year from when it was first noticed. I had noticed it right away and because I have many other unauthorized transactions on other accounts from similar vendors I have either missed deadlines on some of my disputes but regardless have not been informed or even given a chance to defend myself. They have un-verified users having a field day with some of my accounts and this is simply not professional in any way. I want to have my disputes either re-opened if possible or I want to just have my funds recovered and sent back to me as soon as possible because Ive been struggling this whole year due to identity theft and someones gained access to multiple accounts of mine here on Paypal and outside Paypal and is now either making these purchases to send to themselves or find a way to steal my money. Paypal has successfully let this happen and I have been treated like a criminal at times when calling in and have been late on payments and when I had told Paypal of these issues and the issue of me, my daughter and my wife having no money at XXXX point and that I needed to recover my money, Paypal continued to wait and brush me off. My family and I didnt even have a meal to eat at times because Paypal decided in the wrong favor. Now I want the following transactions to please be noted and if still possible per the Statue of limitation, recovered and sent me via personal check. They are as follows : XX/XX/18 {$25.00} XX/XX/18 {$10.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$20.00} XX/XX/18 {$20.00} XX/XX/18 {$25.00} XX/XX/18 {$23.00} XX/XX/18 {$0.00} I was denied these claims and have no reason as to why?? These merchants have plaqued my life and have been a huge inconvenience to me at times. I have done nothing but try and work with Paypal regarding these claims and Paypal has done nothing but denied all my claims here and treat me like some sort of criminal here Please help here! 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America has not been able to reconcile my Mortgage Escrow. They increased my payment amount without being able to provide a reasonable explanation for the increase. Multiple representives/Managers/Executives said they would " correct '' the overcharge, and have failed to do so. 

I sent them multiple emails stating I was not authorizing the additional payment, while I was disputing the amount, and they continued with the withdrawal. They also initiatied a cancelation of my escrow completely, after I advised them I did not want that option. 

During the majority of the phone calls they did not provide the " recording disclosure '' until I asked deep into the conversation if it was being recorded. 

It typically takes 30-90 minutes to reach a representative and each time they were not able to correct the issue

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 2018-06-27
Company: John C. Heath, Attorney at Law, PLLC
State: WA
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 had over XXXX inquires that i didn't authorize. I had submitted a credit report score for loan purposes and the score came in the mail saying my score was XXXX which is impossible. I also recieved 2 others and my score has remained the same for years.. it usually is XXXX and the lowest it reached was XXXX which then was the time i recieved automobile solicitors calling me by the day and night. I also started recieving auto insurance company 's calling all day also. I know i only applied for a personal loan with XXXX company 's. And i can recall two of them calling me saying my loan application had be accepted and i was gon na receive funding in 24hrs. I submitted the verification information they required and i was told my funding would be deposited into my checking account the next morning. That my score was XXXX. I agreed with the amount and amount to be paid back. I was then transferred to a credit repair company who insisted i needed to give information as a assurance procedure since i was granted the loan. My credit score since these interactions have been all screwed up and my loan also never was recieved. This was a process that was used on me at least 5 times, thinking i was recieving the loan as promised and each time having been mislead and manipulated about the funding i needed and my credit score sumhow being effected by extreme measures. The companies i referring to are as follows.. XXXX, XXXX XXXX and XXXX.. also XXXX credit repair XXXXXXXX XXXX which multiple times attempted to charge me money saying it would come out of the loan amount i never recieved yet took my account numbers to any possible accounts i had. Very unprofessional results and manipulating sales pitches and technics. The department of XXXX XXXX also has done sum kind of report that is misused its authorized access. I have paid plenty and should not be penalized for my XXXX son whom is XXXX old now and i paid alot of the amount owed more then 85 % of the total. Please look into these reports against my credit i have not done this to myself. And how could i receive a XXXX credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
trying to see my credit report not letting me see it cra, ftc  violations they have the police report XXXX item lost stolen have insurance so I went with a new carrier so they don't want to refund the lost or stolen item that the warranty covers b/c I went to a new carrier XXXX has 5 inquires and transunion that are not mine encloses

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 2018-06-27
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom you may Concern, I have recently been looking at my future to try establishing my credit to get resources that would hopefully help my future be secure, however I have come across complication on credit that is questionable and I need these to be corrected .I am in hopes that all things can be corrected and solved so I am able to move onward and upward to have better and greater future. 

Thank you in Advance Respectly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: MS
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:
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 2018-06-27
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed chapter XXXX bankruptcy and reaffirmed my mortgage with Fay servicing during the bankruptcy process. I have contacted the company on multiple occasions and provided them proof of the reaffirmation but they are not reporting my mortgage payment history to the credit bureaus because they repeatedly claim they do not have the reaffirmation paperwork. This has interfered with my ability to refinance my mortgage even though I have provided the necessary documentation multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX have been trying to modified with my Lender in which before it was with XXXX XXXX XXXX and then got transfer to Shellpoint Mortgage Servicing. I have been denied several times due to lack of financial income. I resubmitted again with new financials and still I got denied again but this time I was denied due to Value of my Property. Shellpoint is stating that I have value in my property and that information is incorrect. I received an NPV report in XX/XX/2018 and I send this information to XXXX a nonprofit organization and they advised me that this report is stating that I have Equity and that I am not delinquent. This information is not accurate. I do not have Equity, I owed more than what is valued and I am over {$100000.00} delinquent with my mortgage payments. Please read the NPV report and help my understand why Shellpoint is stating I have Equity and that is why I got denied plus it states I am not Delinquent. I very worried that I lose my home, I have made all attempts to save my home but I get denied and I have been placed in Foreclosure several times in which I had been forced to file Bankruptcy to protect my property. I am enclosing a copy of Shellpoint NPV Report, Shellpoint Exterior Appraisal, Mortgage Statement and my own Appraisal Report in which I had to pay to dispute that my home does not have Equity. Please need your help, I am seeking help to keep my home and that Shellpoint find a workout solution for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: ALLY FINANCIAL INC.
State: SC
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 contacted Ally two times in regards to an auto debt that they have has charged off on my report. I am reporting them for one of several reasons : 1. My last payment date is not correct and I have requested they show proof of my last payment since it is a year older than when my last payment was-My last payment was XX/XX/2015 they have XXXX XXXX They have failed to provide it. 
2. I called and try to settle the debt, but they say it's being handled by XXXX XXXX XXXX, which is not on my credit report. XXXX will do a pay to delete, but that will leave Ally still on my report. 
3. The auto in question ( had two active accounts with Ally paid one-off in full ) was turned back into the dealership and resold. I have asked for proof of the resale amount and breakdown of fees and have not received requested documents,

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 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.

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 2018-06-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last week XX/XX/XXXX I contacted American Express after I received a letter from American Express dated XX/XX/XXXX ( a copy is attached ) in which it stated that " American Express offers payment options for card members who may be experiencing financial difficulty. '' While trying to contact an American Express representative I was given a recording in which it was stated that American Express had only outside debt collection agents in which I would have to pay a fee. Yet in XXXX, XXXX I was told that American Express had a debt settlement program for 5 yrs, 7 % interest and a monthly payment of {$290.00}. 
In the letter dated XX/XX/XXXX American Express stated " we provided accurate information and serviced your calls professionally ; this statement is completely false!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
State: TN
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:
Equifax is reporting a public record, Bankruptcy on my credit profile and that Equifax is obtaining that information from a third party data furnisher, XXXX. 

I contacted XXXX and disputed this information and then sent me a copy of my Consumer report which stated : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case # XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX Risk View Report. 

I then sent my XXXX report to Equifax but they continue to report this public record stating that XXXX is continuing to provide this data and will not remove it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted the CFPB in regards to XXXX claim earlier and the claim was closed out. 
There are a total of XXXX claims : XXXX, XXXX, and XXXX. There was a total amount of XXXX {$1300.00}. 
Wells Fargos policy is that if the claim is processed within XXXX days of the first fraudulent transaction then provisional credit will be issued. I have only been issued of {$390.00}. 
This is completely unfair and unprofessional all together. 
On top of the fact that my claims were merged together and Wells Fargo never notified me of this which is supposed to be within their policy to do so. XXXX claim XXXX merged together with XXXX on XX/XX/12. 

I have attempted to speak to XXXX and the office of the president for escalations but i continue to get the run around. This is very frustrating and I cant get any help from Wells Fargo.

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 2021-04-24
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was trying to use my debit card for one thing and it ended up being charged to by some kind of cryptos that I did not authorize. I have an account with Trustmark so be careful to where you spend or enter your card number because people will take advantage of you. When I made a purchase the logos were changed from a trusted store and I ended up putting my card information in a fraudulent store. I ended up purchasing some cryptos for someone else that cost me nearly {$2000.00}. Trustmark will not help you if this happens so be careful where you use your card.

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 2018-06-27
Company: First Student Services
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed it with the CRA, the Dept of Ed the person who reported the inaccurate amounts, and XXXX the debt collection contractor, who reported the inaccurate amounts to the Dept of Ed.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I logged in to my online banking with TIAA Bank today and noticed that my XXXX XXXX checking account was closed. The account had been open for about a month. No reason was given by the bank as to why the account was closed by the bank. I asked the bank why the account was closed and received no response, so I am still unsure of the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold my mortgage to fifth third bank some months ago. On XX/XX/XXXX, I received a message from my home owners insurance company saying my policy had expired on XX/XX/XXXX due to non-payment. Now, I had a 10 % late fee on my renewal. I called my mortgage company to address the issue, but they would not discuss the problem with me saying I had to talk to their insurance department. This " insurance department '' out to be a third party company unaffiliated with the lender. The Third Party Insurance Department also could not help me saying they had only my policy number and all the accounts had just been handed to them. They told be they had to call my insurance company, put me on hold for 25 min and then disconnected the call. Three more phone calls to the bank ensued, as well as two more to the Third Party Insurance Department and an online message to the bank. 

This bank needs to pay my home-owners policy premium from my escrow account and to pay the late fee from some other source.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The FCRA states that all information reported on a credit report must be % accurate and complete or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Date Opened : Credit Limit : Last Reported : Date Last Active : Date of Last Payment :

Company response to consumer: Closed with explanation