BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
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:
Approximately sometime in Summer XXXX. 
My estranged brother contacted my mother to say that a collection agency XXXX XXXX XXXX XXXX has been calling his residence asking for me and whether I lived there. 
My estranged brother who I have not seen or spoken to in 20 years informed XXXX XXXX XXXX XXXXXXXX that no one by that name " XXXX XXXX '' lived at his residence. He, my estranged brother stated to my mother that XXXX XXXX XXXX XXXX has been calling his residence on several occasions early in the morning and late at nights harrassing his family asking for XXXX XXXX and telling my estranged brother that I need to pay a debt or else. It is when my estranged brother who happens to be a lawyer threatened them with XXXX XXXX XXXX XXXXXXXX with legal actions -- they stopped calling. 

The calls never stopped. They, XXXX XXXX XXXX XXXX- searched to located who had my last name and which individuals who was linked to my last name. They, XXXX XXXX XXXX  XXXX found my elderly XXXX XXXX XXXX parent phone number and also called my parent many times throughout the day threatening my mother that she should give them my contact details and that I owe them XXXX XXXX  XXXX XXXX money. My mother was extremely upset where she was having chest pains. 
Those are the abusive practices that XXXX XXXX  XXXX XXXX did. 

XXXX XXXX XXXX XXXX XXXX added a negativity to XXXX and Experian. I DO NOT OWE XXXX XXXX  XXXX XXXX any monies. 

I have sent XXXX Letters. I have Sent Experian letters. Also, I have sent letters to XXXX Disputing the report that I do not owe XXXX XXXX XXXX XXXX and that they should Delete/Remove it from my Credit Report. 

XXXX - Responded and Delete/Remove XXXX XXXX XXXX  Collection from my Credit Report XXXX XXXX - I have sent several letters -- XXXX have Not removed the Incorrect Information XXXX XXXX XXXX XXXX . 

EXPERIAN : I have sent letters to Experian as well - They never responded to my letter that I sent them on XX/XX/XXXX Disputing the incorrect information. 

Please help me with XXXX and EXperian. Even though both Credit Agency has Listed incorrect information -- They have not deleted. 

Many thanks in advance for your help. God Bless you and Please stay safe.

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 2022-03-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Complaint mirrors # XXXX ( for checking account ). Replied to their offer mailed to me. Follow conditions on card and receive {$700.00}. Open both checking and savings accounts, comply with their conditions and receive {$700.00}. I did so, completely. They would not do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Scam banking scam message about a bank account I do not own

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 2021-10-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank was the servicer of my mortgage. My mortgage loan was paid off in XX/XX/2021. However, Fifth Third Bank has not filed a full reconveyance and has refused to provide me with the original note and deed of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Financial Data Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a Validation Letter to the agency I have proof of receipts that the letter did get delivered to them. I stated on the letter they had 15 days to validate the debt and didn't receive no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: BBVA FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XXXX/XXXX/XXXX I noticed that an ACH withdrawal for a higher amount than I authorized for a student loan payment posted to my checking account. I called my bank to have them reversed the ACH transaction and they said that they can not due to technical limitations of my account. The only way forward is to dispute the charge and that has an unknown amount of time before the money is returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have inquired on several occassions to Freedom Mortgage about removing the PMI from my loan based on the amount of equity in my home. Most recently the young lady I spoke with stated I was unable to do so as the laws had changed. The last person I spoke with, a gentleman, went even further after I explained to him that when I bought my home I was advised I could have the PMI removed once I accumulated a certain amount of equity or 11 years whichever came first, he stated the law changed the year before I bought my home stating that you had to remain in the home for 11 years. 

I have also made an email inquiry regarding removing the PMI.

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 2021-10-20
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX i sent an affidavit of truth via certified mail and requested validation of alleged debt through affidavit from XXXX, XXXX and experian for thier reporting of NAVIENT accounts. On top of that i sent them a cease and desist, all documents have been notarized, I have not received an affidavit in return and it has been over 60 days. I also gave them an opportunity for remedy and have not received response. Also they have been calling me, emailing me and sending me statements in the mail. Im just tired of being harassed, and my name slandered. My life in all aspects is constantly being affected by this issue, my marriage, my time as a father I'm losing sleep and its affecting my health. This has to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 2019 it was brought to our attention by XXXX that our bill was delinquent and that we owed {$120.00} which was promptly paid. The account was set up on direct withdrawl and the card had expired which we were never contacted. The amount was promptly paid in XX/XX/2019 with no monies owed aside from our monthly bill from that date until now. I provided the information to TransUnion and XXXX where it appeared, screenshots and account status, XXXX  has removed the inaccurate reporting however TransUnion replied that the account has been verified which is not possible, my account evidences this. This is keeping myself and my wife from being able to refinance our home due to the score this is hurting. I can provide statements to show the discrepancy was paid on XXXX XXXX, 2019, I can provide a copy of my account evidencing, I can also provide the proof that XXXX  removed this from my 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 2021-10-21
Company: Lending Club Corp
State: GA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and it's been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Recovery Solutions Group, LLC
State: TX
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:
This company who named themselves as XXXX XXXX by phone, but recovery solutions group via email. Started leaving voicemails that should 've been private on my cell phone and the cellphone of someone I 'm close to. Below is the numbers called and a summary of what the agent said. I still have all recordings if needed. 

On XXXX at XXXX and at XXXX stating that I was being contacted from the Clients process division for an order on 2 pending matters. If I wanted to voluntarily resolve the issue to contact their offices. The messages were left on my cellphone and my friends cellphone. 

This company who never left their name again left a voicemail on XXXX, XXXX saying I was going to be served paperwork at my place of residence or employment for failure to respond. Those messages were left on a phone number which is not my number. 


This company left 2 voicemails on XXXX at XXXX XXXX and XXXX XXXX on my cellphone and my friends phone numbers stating your office need to verify my address to handle this matter outside of my county. 
The agent went on to say she could be contacting my Human Resources department, but the client was will to resolve the matter if I called in today.
This prompted me to call into their office while recovering from a XXXX that I had not even a week prior. Only to encounter the rudest person I 've ever spoken to. I told their representative that I had n't gotten any correspondence from their company and asked for an address. The representative refused to give me the address and threatened me with garnishment if I did n't comply and hung up on me when I refused. I called back and talked to XXXX who said she was a manager and she was unprofessional to say the least. She also refused to give me an address and threatened me with garnishment and hung up on me. 

I called back and asked for an address to send a letter requesting this company not call me any more the representatives refused to give it to me and repeatedly hung up on me. I eventually had them email me a settlement offer. Which I replied to asking them not to call me. The letter was sent once I provided them banking information. 

I did n't feel good about the whole thing so I put a stopped payment on the check. This company then calls both my cell and my friends and and left a message saying that a check bounced in their office and I needdd to contact them. Both messages were left on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

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 2021-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This company told me that they would delete these two fraudulent credit card accounts from my credit report, one business and one personal, from Capital One bank. I sent this company the police report which confirmed identity theft multiple times and they still are reported these account on my XXXX credit file. This is defamation of my character and a violation of my rights. These two fraudulent accounts, and the four credit inquiries from Capital one and capital one auto finance need to be deleted from my XXXX credit report for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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:
Transunion, one of the three most important credit bureau handles sensitive and confidential information in an unsafe way for its consumers. 
They offer online services to upload documents and then do not answer for them what I consider misleading advertising to consumers. 
I have been disputing fraudulent information on my credit report and they do nothing, which has affected me directly. Several months ago I sent them the required documents and they say they have never received them. My question to them is where are my rights and where my personal information went to? They simply avoid the answer and ask to the consumer to repit the same process over and over without solving the issues.

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 2023-02-12
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/2023, I deposited my XXXX Pension check into my Chase bank account. The teller informed me that the check needed to be sent for collection. I asked her why since I deposited at least 36 of these checks, and they did not need to be sent for collection. Her response was the computer told her. ( By the way, I deposited at least three more checks after this date. ) I was puzzled, and the teller said it would be deposited the next day or week. The check was not deposited the following week. I called the 1800 number on the forms, but I was waiting for someone to pick up the phone. I went to the branch, and they tried to reach the same number, and no one responded to the line. 
I sought help from Chase bank management, but they were no help. 

On XX/XX/XXXX, my check was deposited, but a collection fee of {$110.00} was charged. I asked my banker for help since I was never charged for the deposit of my pension check. He said he " notified the banker and branch manager at the branch at XXXX XXXX XXXX about your situation, and they assured me that they will look into it and notify you once they have received some answers or a solution. '' I received a voicemail from XXXX XXXX XXXX from the local branch asking to call back. I left three voicemails and have yet to receive a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08
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: Problem with personal statement of dispute

Complaint:
I am writing to file a complaint against a collection agency, Experian, XXXX XXXX, and XXXX Credit Bureaus regarding reporting inaccurate information and providing fraudulent credit information. This disputehas been filed 4 times for a Collection Item from [ XXXX XXXX XXXX ] This is inaccurate because, the amount listed as a debt was paid in full to the original creditor ( XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I have included a copy of the Move Out Statement from the original creditor dated XX/XX/XXXX that shows a balance of {$0.00}. I am requesting that this item be removed from my file. 

This is also inaccurate because, the balance owed of {$570.00} listed is wrong, as this was paid in full to the original creditor on XX/XX/XXXX. 

This is also inaccurate because XXXX XXXX has reported different amounts to the bureau weekly over 6 times between XX/XX/XXXX and XX/XX/XXXX. This amount should not be changed. 

I have forwarded the following documentation to the entities listed above to supporting my claim : 1. Letter to Experian, XXXX, and XXXX XXXX. 
2. Move Out Statement- Provided by the original creditor upon my move out. Listing the full payment of the amount owed of {$1100.00} dated on XX/XX/XXXX. I am requesting this be removed from my credit file or changed to reflect correct information. 
3. Resident Ledger-Provided by the original creditor showing a corrected balance listed XX/XX/XXXX. This was sold to XXXX XXXX as a debt 2 months after the move out statement was provided with {$0.00} balance owed. I am requesting this be removed from my credit file or changed to reflect correct information. 
4. Experian Credit reportingXXXX XXXX XXXX XXXXXXXX stated I paid the collection amount in full to them and have a {$0.00} balance. This is fraudulent. I have not paid any amount to I XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: GA
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened a XXXX savings account on XX/XX/2021 and funded it with {$25.00} as part of a broader promotion paired with a checking account I also opened that day. 

XXXX was acquired by PNC and sent me notice while I was away on holiday that they were consolidating to the PNC web portal. 

I got a paper bill from XXXX saying the account had gone to a negative balance - $ XXXX due to a paper bill fee I never agreed to when signing up for XXXX, and for an unspecified 'service fee ' I was unable to gain access to my PNC online account for days due to technical issues on the server ( which eventually resolved themselves ), and then was disconnected or re-routed endlessly when I tried to contact PNC via phone. When I did speak to one rep, she could not see the charges nor explain what they were. 

I now have a negative balance account due to these charges, without context on why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17
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 information incorrect

Complaint:
XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX CARD # XXXX ( XXXX   CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE. 
2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU. 
( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CREDIT ACCEPTANCE CORPORATION
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:
XXXX is reporting I was late 30 days on my vehicle loan for the month of XX/XX/2021. I disputed the error and the late payment still remains. Dispute results state the creditor certified the information was correct. I do not understand how that could be if I was never 30 days late on my payments. 

The account being reported incorrectly is Credit Acceptance. The month I paid off my loan ( XX/XX/2021 ) is when they reported the alleged late payment.

I tried contacting Credit Acceptance and they can not tell me why it is reporting late and told me my account had no late fees assessed. They did provide me a copy of my payment history which I can provide to you.

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 2021-10-21
Company: Exeter Finance Corp.
State: IL
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 purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit

Company response to consumer: Closed with explanation