BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
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:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my identity theft. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and has gotten into the hands of the wrong person. This lack of concern as a consumer is unsettling and disturbing as it is no fault that my information was exposed/stolen. I ask that this matter be corrected and updated immediately because I have sent in the required paper work as requested now I need you to enforce the laws here to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Siggi LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company has been collecting $XXXX from my Military pay under the name XXXX XXXX since XXXX XXXX until present and reported to all 3 credit company my account closed. I opened the account in XXXX XXXX and my payments then was $XXXX. Due to my illness and XXXX XXXX the payment was lowered to the $XXXX. This company refused to accept my XXXX letter, continue to take money from my retirement and ruined my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: JPMORGAN CHASE & CO.
State: CO
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:
We needed funds from our checking account to be transferred for the closing on our home. The funds needed were in excess of the daily online limit, however, the funds were within the limit for a transfer at the bank. I asked for a one time exception to transfer more funds for the closing of a house, as where we are moving does not have a branch, and nobody was able to assist me.

In addition, the staff who tried to assist me were insincere, dismissive, condescending, and rushed. I tried to ask for them to think about alternative solutions, such as using a business account, and nobody was willing to entertain these ideas. I also indicated that if Chase can not help me with this transaction, then I would be inclined to leave Chase as a customer, and there was no attempt to try to retain my business. I received the impression that they would rather not have me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: MRS BPO, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX charged off my debt and MRS BPO LLC took over the account. I contacted MRS BPO LLC. Resolved my debt back in XX/XX/2019. XXXX has not reported to the Credit bureaus that this debt has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
LAST CHANCE TO SETTLE OUT OF COURT XXXX XXXX AND XXXX, ON XX/XX/XXXX XXXX  SUPRESSED OUR CREDIT FILES BECAUSE WE KEPT CHANGELEDGING THEM THAT THEY KEPT ALLOWING PROMO INQURIES AFTER OPTED OUT IN XX/XX/XXXX. AS A RESULT XXXX XXXX XXXX XXXX, FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX CASE NO. XXXX, CLOSED ON XX/XX/XXXX, THE TRUSTEE LEFT OUR 3RD PARTY CLAIMS FOR YOU AND XXXX  ON THE TABLE TO FILE SUIT.SEE ATTACHED.

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 2020-05-17
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have Few CD 's with BBVA Bank. I asked them to close and credit the fund to my money market account. I followed all their instruction. 
Even after all that I called them and they would not take care of the problem. I had to call them 5, 6, even seven times and they credit the fund after 7 to 8 days. 
I want them to pay the Interest at my cd rates for those days. Also not following my instruction and westing my time I would prefer to be compensated for the time and inconvenience.

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing inaccuracies on my report I have 2 charge offs reporting on my Equifax report that is reporting available balances and reporting late payments. I received about 6 letters from first premiere stating that they report correctly to the bureaus and if I believe that something is inaccurate to contact the bureaus and they don't do anything but update the date last active. I need these 2 accounts deleted immediately. 

XXXX XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX account # xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company ( Round point ) failed to set up payment of my homeowner 's insurance through my escrow account, but still charged me monthly for the escrow payment. 

When it came time to renew my policy the money was automatically withdrawn from my personal checking account. The insurance company has sent numerous invoices to roundpoint at theirs, mine, and the insurance companies request so it can be paid through escrow and my personal account refunded, but after many weeks round point has failed to do so. 

They have requested the information and my account notes show the insurance company has contacted them about this many times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am currently in a forbearance plan due to unemployment. I have been receiving delinquent tax bills from the state property tax department. I have contacted my lender on numerous occasions. No resolution is being provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
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: Their investigation did not fix an error on your report

Complaint:
A LATE PAYMENT HAD BEEN RECORDED IN ERROR.  A STATEMENT WAS NOT RECEIVED TO SHOW A BALANCE WAS DUE FOR MY XXXX XXXX  - XXXX ACCOUNT ENDING IN 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 2021-02-22
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX, XXXX XXXX XXXX, and Chase are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX JPMCB CARD XXXX For the record, many different names were used to created fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
XXXX XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX 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 explanation
Consumer complaint received 2018-03-06
Company: National Credit Adjusters, LLC
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:
This is a fraudulent account that is being reported and in collections with National Credit Adjusters/NCA. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with NCA, in addition to disputing it with XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: TX
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 ; XXXX and XXXX   are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: ALLY FINANCIAL INC.
State: MO
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:
Hard inquiry to credit report not recognized

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 2019-03-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had an account with XXXX XXXX XXXX. ( account number XXXX ) I paid it on time and paid it out this month. I also was cosigned on another XXXX account that was charged off. ( account number XXXX ). XXXX has mistakenly placed the " charged off status on the current account ( ending in XXXX ) that was from the latter account ( ending in XXXX ). 

To prove this I have provided a copy of my credit file from XX/XX/XXXX where I circled the 30/60/90 days late indicator showing " zero '' in all of those fields ... .and that reported to the credit bureaus on XX/XX/XXXX. 

I then provided a copy of the files from TWO MONTHS LATER that now showed " 25 times 90 days late '' and was reported in XX/XX/XXXX. Now this account could not have gone 25 times 90 days late IN JUST TWO MONTHS. 

This is a clear violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 spoke with Transunion on XX/XX/2018 in response to inquiries I never authorized and although I had requested assistance in getting these removed their customer service would not help and take care of the negative inquiries reporting to your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
BEING A VICITM OF AN IDENTITY THEFT REPORT MEANS SOMEONE HAS ALL YOUR PERSONAL INFORMATION EASLY CAN PRETEND TO BE YOU. THE PERSON WHO STOLE MY IDENTITY NOT ONLY OPENED FEW CREDIT CARDS HE ALSO HAD OPENED A CHECKING ACCOUNT WITH A BIG FINANCIAL INSTITUTION AND HE OR SHE MAINTAINED THE CREDIT CARDS THROUGH THAT FRAUDULENT ACCOUNT. I TAKE PRIDE IN MY CREDIT REPOT AND I HAVE BEEN TRYING TO FIX MY PROBLEM AND FINALLY REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE CHARGES ON THE CREDIT CARDS ARE NOT MADE BY ME, THE PAYMENTS THAT WERE MADE ON THE FRAUDULENT ACCOUNTS WERE NOT DONE BY ME. AS SOON AS I FOUND OUT ABOUT THIS THE ACCOUNT WAS CLOSED I HAVE GONE TO THE POLICE AND I HAVE FILED NUMEROUS IDENTITY THEFT REPORTS. I LIVE IN AN APARTMENT COMPLEX AND EVEN OUR MAILBOX WAS BROKEN INTO FEW TIMES NOT JUST MINE THE ENTIRE BUILDINGS MAILBOX. BEING A VICTIM IS DIFFICULT AND HARD TO DEAL WITH BECAUSE YOU DON'T KNOW WHAT THE PRDOR IS CAPABLE OF DOING, AND THEN TO DEAL WITH THIS FOR ALMOST ONE YEAR IS CRAZY AND UNFAIR. AND TO THINK THAT SOME ONE SITTING IN THEIR NICE OFFICE, WHO PROBABLE HAS NOT EXPERIENCED WHAT I HAVE HAS NOT HAD THE HEADACHE CAN JUST ASSUME THAT AND TEL ME THAT BECAUSE YOUR ACCOUNT WAS MAINTAINED FROM MY CHECKING ACCOUNT THIS AND THE OTHER. WELL I WOULD TELL THEM PLEASE PUT THEM SELVES IN THE SHOES OF THE VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Many unauthorized inquires were disputed. Inquiries were removed but were recently reinserted on my credit report negatively affecting my credit score. I have called transunion and fought to have inquiries removed. Transunion will not delete inquiries even though they were unauthorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company ( Penn Collection ) has been calling my number for several months. At some point in the past they woke me up before XXXX with their call and I answered. They asked for a specific person but I don't know who this is. I've never heard of them. I told them I don't know them and they thanked me and said they'd update their records. Weeks later the calls resumed. I'm still receiving them and almost always before XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Ocwen Financial Corporation
State: LA
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:
Our current mortgage company, OCWEN, is adding information to their credit reporting that does not/should not be reported. There is no reason for them to add words and " history '' to current reporting of our account. 

They are including the following to all credit reporting agencies : " Consumer Information Indicator : CHAPTER XXXX BANKRUPTCY DISMISSED ''. 

Why include this information? Is this legal? Is this information necessary and/or is it supposed to be included by law? What laws are they using as their reason to include that info?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was recently transferred from XXXX to XXXX XXXX. In XXXX, I contacted the company to insure that they would pay our XXXX property taxes as we escrow and have always had the mortgage company pay on our behalf. I was told that yes they would and that once they receive the bill from the taxing authority they would remit payment on our behalf before the due date of XX/XX/XXXX. On XX/XX/XXXX i went into our online account and noticed that our escrow balance had not been reduced by the tax amount. I called Customer Service on that date and was told there was an error on our account and the paperwork indicated borrower to pay. The rep took the information and assured me the issue would be corrected and taxes would be paid within 5 business days. After several more attempts and calls with customer service, we are now 2 weeks out and there is no resolution and i have received no follow-up. I keep calling customer service and told i would have a call with a resolution within 2 business days. We are now 10 days away from the final due date of property tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX isn’t removing this debt that has been paid off on my credit report, they are stating that this debt is accurate and true even after disputing this and uploading documents that show/prove that I paid this debt off. I submitted a dispute XX/XX/19, they resolved it XX/XX/19 and said that they didn’t delete this because I still this debt to a company.

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 2019-03-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a consolidation loan with One Main Financial. On XX/XX/XXXX I called and requested that my due dates are permanently moved to the XXXX of each month. I spoke with a XXXX XXXX XXXX who advised me that it would be no problem. I just needed to sign the forms via E-Signature. I did so immediately. On XX/XX/XXXX they attempted to take the money out and since I didnt have the money it did not clear and I was charged {$30.00} from my bank for insufficient funds. I called on XX/XX/XXXX to see what happened and make sure my payment was made for XXXX. The branch manager, XXXX XXXX, out of XXXX Oregon was rude, condescending and not helpful at all. He said you wouldnt refund the {$30.00} even though it was their mistake. I proceeded to agree to the one time payment of XXXX. Today, XX/XX/XXXX I noticed that I was charged XXXX twice ( 2 separate transactions ). I called and spoke with XXXX XXXX again who was even more rude this time and stated they didnt see I was charged twice. I proceeded to email screen shots of my bank statement and called right back. XXXX XXXX advised me that things happen and he would submit a reversal and says hopefully you can get your money back in the next 10 days. 

This is a UDAAP violation and has put me in a serious financial issues. I need my money for my rent and this company is essentially taking my money without authorization and not even saying they will get my money back to me

Company response to consumer: Closed with monetary relief