BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: BOK FINANCIAL CORP
State: NC
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:
From XXXX until XX/XX/XXXX I was in forbearance for my mortgage due to COVID. In XXXX I contacted Bank of Oklahoma to exit my mortgage and begin making my normal monthly payments as well as to work out a repayment plan. We came to an agreement and around XX/XX/XXXX I received the letter outlining my repayment plan amounts/terms. A couple days after I scheduled my payment to be made and it was received and credited to my account on XXXX. On XXXX, I received multiple notifications from all three credit bureaus that my mortgage was being reported delinquent and being sent to collections. Around XXXX on XXXX I called and after talking with the representative she sent an email to the credit reporting department. She said she would contact me when she heard back from them. Considering this mistake dropped my credit scores with all three credit bureaus by 67 points and it was a significant drop and could affect my finances i.e. credit cards and I'm in the process of buying a house I need this fixed ASAP. Due to the urgent nature of this, I contacted Bank of Oklahoma again towards the end of the day on XXXX to get a status update. I was told we need to give them 24 hours, which is one work day and almost at that already anyways. When I asked for a supervisor I was denied. I re-confirmed and was told I could NOT speak to a supervisor. I need this false delinquency to be corrected on my credit report on XX/XX/XXXX so it has no affect on my finances, rates, and home purchase. I'm not delinquent. I've followed all the agreements and terms that have been jointly agreed on and have not been told any of these would lead to a delinquency being reported on my credit reports. I have 20 years of credit history with not a single delinquency on them until now and this isn't even correct. It needs to be fixed ASAP XX/XX/XXXX to reduce financial affects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name and personal info were in the XXXX XXXX XXXX and XXXX XXXX breaches in XXXX and XXXX. 
I discovered many names, phones numbers, addresses and accounts that were clearly not mine on my credit report. 
Credit agencies have been reporting addresses connected to my name with fraudulent and erroneous accounts. 
I am disputing the addresses that clearly states it's a business as a residence and I lnever lived there. 
I have sent documents and Affidavits and been on phone disputing these errors for the last 2 months. 
Please delete these accounts. 
I have been dealing with this mess for a while now and request prompt look into this 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 non-monetary relief
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: FL
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 reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX-RETAIL : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX CARD SERVICE : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent Sallie Mae a dispute every month from XX/XX/XXXX to XX/XX/XXXX and the Debt that I allegedly Owe has yet to be verified and is still being incorrectly reported. When I called to try and resolve this allegedly debt I was informed that they no longer own the debt and it has been sold. Sallie Mae has been reporting this debt late every month since it has been in a Charged off status. This account has also been accruing interest since being in a charged off status and the balance is constantly increasing. Please remove this account from all three credit bureaus as this information is incorrect and illegal and Sallie Mae has not followed the law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested for my FHA PMI to be taken off because I thought I met all the requirements. I received a letter from wellsfargo stating that I have met the 78 % LTV and the five year requirement but have payments more than 30 days past due in the last 12 months. I was never late on any payments except for when Covid 19 started when my wife lost her 2nd job because of Covid and put our mortgage in forbearance. Fortunately we were able to recover right away and current on our mortgage. I didn't know that this can also affect me eliminating my PMI. This was never disclose that PMI will be affected. Wellsfargo was giving me the run around saying that FHA will not let me cancel PMI which I believe the lender is the one who benifits from PMI and not FHA. Wellsfargo been making excuses for me not to get rid of PMI even with our equity been up because of renovations 80 %.

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 2023-06-26
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2023, a credit card was approved by Barclays Wyndham Rewards in the amount of {$11000.00}. I never applied for this card. I have not stayed at a Wyndham hotel in almost 4 years. 
When I got through to the Security department at Barclays, I was asked for my mothers maiden name as my security question. The name on their record was not my mothers name. They said that someone had opened the card in my name and that, currently, there were no charges to the account. They were cancelling the card immediately. 
I have had a credit freeze on my account with XXXX but Barclays uses XXXX. When I checked XXXX, they had shown a hard inquiry from Barclays on XX/XX/2023. 
I have notified XXXX and they put a Fraud Alert on my account and will notify the other credit reporting agencies to place the same fraud alert. 
Please note that Barclays and Wyndham Resorts have been involved in a fraud scheme for years with opening credit card accounts without approval. My son, whose name is the same as my husband and has never lived at my current address, stayed at XXXX XXXXXXXX the week my card was approved. Coincidence? I think not!

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 2023-06-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am on Social Security and was paying my property taxes monthly. The total amt was approx {$630.00}. I was paying monthly and was down to approx {$490.00} when Chase decided they would pay the balance but instead paid the full amount. They then put the XXXX into escrow and was charging me monthly on that amount. Chase never bothered to verify the amount due with the XXXX XXXX XXXX before paying the full amount shown on my yearly taxes. Spoke to manager who agreed correct amt was {$490.00} and would send request to tax commission for repayment of overpayment. Never happened. Then Chase decided to charge me over $ XXXX in ANTICIPATION of my not paying by 2023 taxes which I haven't even received yet. Chase has no right to charge me for what they THINK I may not be able to pay in the future. I was willing to pay the approx {$41.00} in escrow on my tax balance of {$490.00} but they never corrected the amount. Chase then informed me they don't have to verify the tax balnce, just pay what they see. This is definitely unacceptable and so is the {$78.00} in anticipation of what may be due in the future. I want Chase to be fined for the backhandedness in charging me for an invalid amount and for charging me more than due on my balance of property taxes. Please Help resolve this matter ASAP. How many others are enduring this same issue? An investigation needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Been dealing with diversified consultants once again I need them to verify the debt and not with a itemized bill I need something thats bearing my signature and also diversified is not licensed or bonded in the state of Minnesota to collect the debt please verify my signature and not a itemized bill or else I will proceed to take court action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Victim of scam, no history of large purchases on account, but recently was contacted by loan company who advised to use credit card to buy gift cards for loan purposes and the loan company will pay the balances on credit card. The balances were paid, but the payments made by loan company were all returned unpaid approximately 1 month later. The loan company bounced payment checks after using aggressive tactics to force the purchase of gift cards. The loan company even sent drivers to transport to and from the various locations to purchase gift cards. Obvious scam on a elderly persons account. The balance accumulated from the scam is being charged anf bilked, and the credit has been revoked

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After paying off not 1 but all my credit cards with synchrony. All my accounts were closed due to the inability to pay them. It makes no sense and the corporate offices don't understand either. 

They claim my credit report has no bearing on it and there is nothing negative about my accounts. 

I asked to re-open some but perhaps close some I do not use that often. 

Today I was notified by my credit reporting monitoring that synchrony has placed some accounts in status of closed/steeled or paid for less when I paid them in full. 

This is for the XXXX XXXX which had a XXXX limit, last month they increased it to XXXX and after it was paid to zero closed the account.

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 2020-04-23
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have set up automatic payment for my student loan with Navient. It is supposed to automatically withdrawal {$240.00} on the due date. For whatever reason they did not withdrawal it this month on it's due date of XX/XX/2020. Today XX/XX/2020 they called me and my husband 4 times before XXXX XXXX. It has only been 4 days, we did not receive any emails or other notices that the automatic payment didn't withdrawal. This seems excessive and aggressive for 4 days late and the fact that all of the bank information is update and working. SO this was something that went wrong on their end and instead of fixing it themselves they call us repeatedly as if we did something wrong. Then when my husband called they refused to speak with him, even though he is an authorized person on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account and nothing was sent to me to legally verify this account that i truly belongs to me and that the company has the right to legally collect the {$210.00}. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: MI
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:
XXXX of XXXX, XXXX XXXX XXXX  Voluntarily closed 2 of my accounts a visa and a mc that were in good standing with low balances. I was trying to make a payment and then agent overseas didnt want to take the payment from another bank account. She he said well its done. 30 Minutes later I received an email saying that they apologized that I wanted to close my account. I called back and they told me it was too late i cant open it back up. 

They put on my credit report right away, I disputed the account and they found that the company voluntarily closed account they removed. XXXX added the account back to my credit file. I disputed. Credit bureaus keep coming back saying verified, when it was not. It cant be verified because on XXXX  its listed as XXXX  XXXX XXXX XXXX on Equifax and XXXX  it listed as XXXX XXXX XXXX. 

I disputed again, Credit stated that once again it was verified, but at the bottom says verified from last inquiry. 
I called in XXXX, no help. Called XX/XX/XXXX and told them to verify my debt. They mailed me to pages that just had a current amount, but nothing was itemized. I called again in XXXX to verify, they sent me a bill from XX/XX/XXXX that had revision to kinda match the price that they wanted me to pay. 
I advised them that I need the bill from XXXX when it was first closed. They refused. I called XXXX XXXX XXXX  directly and was told that they can not help me. 
Lately I started receiving email, stating that they are going to forward to the local attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting 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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On about between 2 years filed 20 times for XXXXXXXX XXXX XXXX XXXXXXXX XXXX denied 20 times because of lack of credit. Equifax information service sent XXXX credit report and did not send me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I RECEIVED A DEBIT CARD IN THE MAIL FROM CHASE AND I DO NOT BANK WITH CHASE THEY SAID THEY WERE GOING TO CLOSE IT BECAUSE THEY THOUGHT IT WAS FRAUD AND I DID GIVE THEM THE DEBIT CARD NUMBER BUT THEY SAID TO MAKE SURE I FILL OUT THE FRAUD INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
EXPERIAN continues to sell my information to fraudulent debt collectors as EXPERIAN creates bonds in the name XXXX XXXX and capitalize off the name. Ive sent several legal documentations and affidavits to EXPERIAN on instructions and information about my name, updated address and laws citied on the documentation. EXPERIAN is exploiting and selling my information with out consent. They sending notices to send them documentation of my name and address. They refuse to follow the Fair act, consumer laws and USC. EXPERIAN is the true criminal enterprise.

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 2023-09-11
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Law Offices of Robert J. Colclough, III
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had funds taken out of my 2 different bank accounts from 2 different banks without any notice. 

I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX. 

I contacted them at XXXX ... I was told they had me listed for a XXXX  Unsecured Credit Card and they have sold the account to XXXX XXXX and that XXXX XXXX has since sold the account to XXXX. 

XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account. 

I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX  Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX  to see if an account was listed from any of these companies. Not one of these companies was listed on my reports. 

I still do not know why my account is being Levied or by who. Can you help me fix this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today, XX/XX/2021, I called Transworld Systems Inc. in order to get their address. I was requesting the address in order to get proof of a debt. XXXX XXXX refused to give me the address. I believe her actions are in contradiction with the regulations regarding the collection of debts.They may be reached at XXXX. 

Thank you

Company response to consumer: Closed with explanation