BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
My student loans with XXXX have been paid in full. I spoke with XXXX on XX/XX/ and and XXXX XXXX XXXX XXXX said they notified XXXX, XXXX and Equifax that these loans were paid in full on XXXX XXXX stated they sent me a paid in full letter on XXXX XXXX XXXX  which I NEVER RECEVIED. I had spoke to XXXX, Equifax and XXXX all of them said that XXXX NEVER CONTACTED THEM STATING MY LOANS WERE PAID IN FULL. ATTACHED YOU WILL SEE WHAT XXXX SENT TO ME BY EMAIL. THEN I WAS TOLD ANOTHER PAID IN FULL LETTER WOULD BE SENT TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: NV
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 opened a Chase Amazon credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX ( unknowingly to me at the time ) took it upon themselves to automatically update the new Chase Amazon card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the Chase account after the balance had been paid. In my mind, the Chase card was zero balance and not currently being used by me. What is even more unfortunate is that Chase never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called Chase a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint vs. Caliber Home Loans , Inc .

I am filing a complaint against this mortgage company for the following reasons : 1. During the payoff process of a mortgage loan I had with this company, there were multiple unauthorized and/or undisclosed fees that the charged me during my loan closing.

2. Escrow balance due to borrower in excess of {$3700.00}. This company did not disclose the amount of time they would be hanging on to my money. Now after the loan has been paid off and they have in excess of {$3700.00} in excess of what they were owed for the loan payoff, they do not wish to release the escrow balance owned to me until 21- days from the loan payoff funding date. They then say that they will allow themselves an additional 10-days if the check is not process in the first 21-days.

Caliber Home Loans has no problem calling and or threatening their clients if they do not make their mortgage payments on time. However, when they owe their clients escrow money, they take their sweet time in returning the over-payments and do not fully disclose when they are paid out. Seems like this company should play by their own rules and treat their clients fairly. 

XXXX XXXX XXXX, Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Trident Asset Management is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Army and Air Force Exchange Service
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
CAN AFFES CHARGE US XXXX PAYMENT ON A PAYMENT OF XXXX FOR AN ACCOUNT IN COLLECTIONS AND WE ARE NO LONGER CHARGING

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 2023-04-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Early Warning Services, LLC
State: PA
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:
XXXX XXXX XXXX XXXX is reporting to EWS that I had a returned transaction on XX/XX/2022 in the amount of {$0.00} and the reason is " other item ''. The phone numbers that are being reported are incorrect. I've never had either of these numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In collections for a medical bill. That I never got notice I could settle couldn't afford at the time the medical bill and never got warning they were sending me to collections until I was already in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: VA
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:
Experian is reporting incorrectly a payment amount on my XXXX XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$27.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23
Company: Bread Financial Holdings, Inc.
State: IL
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:
On XX/XX/2019 we mailed our MasterCard bill ( issuer ; XXXX XXXX XXXX ) payment of {$500.00} ( more than 4x the  required amount ) to the card issuer. The 'due date ' on the bill was XX/XX/XXXX. Due to severe winter weather, the transit time for our payment was longer than usual and the payment was not processed by the card issuer until XX/XX/XXXX. The card issuer confirms that the payment was received and processed, our bank confirms that the check has cleared and funds have been transmitted to the card issuer. However, the card issuer states that they have not yet recorded the payment in their system hence the account is marked 'delinquent ' and the card is suspended/'restricted ' for one month due to being in a 'delinquent status '. During a phone conversation yesterday evening ( XX/XX/XXXX, o/a XXXX  ), a supervisor ( XXXX/ # XXXX  ) at the card issuer further stated that their processing can take an additional ten days, resulting in further 'delinquent status ' time plus interest and penalties. I informed the supervisor that the Uniform Commercial Code and established law states that when normal payment is accepted through the US mails, and the payment is deposited to the mails prior to the due date, that payment is considered delivered to the addressee and hence should not be considered past-due and delinquent. Her response was " We're not a bank and the UCC doesn't apply to us '' and that the card would remain in suspended/'restricted ' status for the next month. 

I resent paying 25 % interest for the privilege of being treated like some low form of deadbeat. I further resent being offered " that's our policy ( and there's nothing that you can do about it ) '' as a defense against ignoring long-established law. 

I am absolutely certain that the delay in the mails caused by the recent severe winter weather affected more than just our payment. I am also absolutely certain that the card issuer has and continues to ignore the provisions of the UCC and established law in their processing and handling of delayed payments as well as the issuance of late fees, interest, and penalties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Received a ppp loan to my chase account, shortly after receiving the loan chase froze my account thinking it was fraudulent. They have never contacted me about the issue nor have they been answering the phone or trying to see my paperwork. I received the loan XX/XX/XXXX account has been frozen since the XXXX and now theres a dda debt charge to both account for all the money in both account and they still have yet to contact me personally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My father and myself have an account with Santander. On XX/XX/2019. 
I dropped off a check on behalf of my father, XXXX XXXX, XXXX to get deposited into HIS checking accout. My brother and myself are my father 's POA. They took the check, deposited it into MY account by mistake, then in turn blamed me for Financial Abuse/Fraud and called Adult Protective Services, without consulting me or asking me any kind of questions first. The bank knows me well. And knew the situation that we were in the process of doing home repairs. When the Fraud Department contacted me from Santander, they told me ( VIA telephone ) that they retrieved an old POA number on my fathers account. It happened to be my aunt, who is no longer a POA or a Trustee, ( She has since been removed of both ). They had no right whatsoever to do that. On top of everything else, Santander LINKED my father 's and my bank account together. Which yet again, my father nor myself NEVER consented to that. When I questioned why the accounts were linked, they then proceeded to shut down my bank account, without disclosing that to me, and went on ahead and closed my account and would not let me have access to the account again. Thank XXXX I was smart enough to make a few copies of the old account and clearly see them depositng the money into my account instead of my fathers. They made HUGE Mistakes. They embarrassment, humiliation, and stress that my father and myself went through ( and am still going through ) was and is horrible that it was to the point were it physically made me sick.

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 2021-02-24
Company: Four Directions Lending LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company is : West Side Lending, LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX westsidelend.com XXXX XXXX XXXX XXXX, WI XXXX ( Toll Free : XXXX ) ( Finance : XXXX ) ( Tribal Dispute : XXXX ) ( Fax : XXXX ) Loan # : XXXX Agreement Date : XXXX Effective Date : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX Street City : XXXX State : IL, Zip : XXXX Phone : XXXX Email Address : XXXX Annual Percentage Rate : 772.19 % Finance Charged : {$2600.00} Amount Finance : {$400.00} Total of payments {$3000.00} I have made 10 payments of {$59.00} And ONE payment of {$25.00} ALL ON TIME NEVER LATE!!! 

THEY REFUSE TO CLOSE OUT THE ACCOUNT. SAYING I OWE UNTIL XXXX After they specifically said if I borrow XXXX. I would pay back XXXX. 
So far I paid XXXX for a XXXX Loan!!! Please HELP ME THIS SCAM IS DRAINING MY BANK ACCOUNT FAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Paramount Recovery Systems, L.P.
State: VA
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:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was nothing to explain further. I have been sending letters to Transunion for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS

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 2020-07-20
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2019-02-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I revelry opened an account with TD bank and once opened was told to fund the account. I did so and now TD bank is telling me that I will not have access to the funds until I can come to a branch. This is holding my funds hostage and causing a major problem with regards to accessing my money. I requested they override and put the money bank into my account and they have denied access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I received direct deposit of EIP payments 1 and 2 to my bank account. For payment 3 I received an EIP debit card in the mail less than two weeks after I was notified that a direct deposit was schedule for payment 3. I do not wish to establish a business relationship with XXXX  or be subject to the terms, conditions and fees associated with their card. 

There is no option on the IRS web site to reject the card and force a direct deposit like the first 2 payments. In order to try to resolve the problem through XXXX, I must first establish a business relationship with them which I will not do. There appears no way for me to get my payment without a huge delay.

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 2019-06-02
Company: Experian Information Solutions Inc.
State: PA
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:
submitted 3 written requests for verification of an account.i continue to receive notices that account is verified which have not been shown to me how " verified '

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. U S DEPT OF EDXXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2019-02-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several negative items on the report either from erroneous data or reporting of debt beyond the statues of limitation. Some debt also is not me or is not 100 % accurate. According to the section 609 of the Fair Credit Reporting Act and the Fair Collection Act there are negative items that shouldnt be reporting. I also asked for the company to show me proof of my last day of activity to verify the debt and the company was unable to show proof because they do not go beyond the statue of limitation as a company policy however the debt still hasnt been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this XXXX XXXX XXXX on XX/XX/, 2018 a medical debt which I had disputed. I felt like it was easier to just pay them. 

However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months.

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 2023-04-09
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I been disputing items on my credit report that does not belong to me and the items where removed and replaced with other in accurate debt that does not belong to me. Equifax keep addressing me as XXXX XXXX XXXX and I don't have a initial with XXXX in my name. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: WI
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 sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXXXXXX {$85.00} US Dept of EDXXXX XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX 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