BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: Experian Information Solutions 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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-05-20
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2020-09-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be removed immediately.

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 2020-11-30
Company: CNG FINANCIAL CORPORATION
State: TN
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:
On XX/XX/XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX  add a hard inquiry on my credit report per XXXX.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: NJ
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, JPMCB CARD add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: IN
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:
What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as XXXX, Equifax, and XXXX  not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   XXXX {$560.00} 4 ) XXXX  XXXX XXXX  {$850.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  XXXX {$0.00} 7  ) XXXX XXXX XXXX 8 ) Capital XXXX XXXX XXXX 9 ) XXXX XXXX XXXXr 10 ) XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Saturday XX/XX/XXXX, I attempted to make an atm withdrawal in the amount of {$240.00}. I was unable to, due to a fraud block placed on my card. I called Bank of America customer service. which took me an over 1 hour to get someone on line. The feature the bank has to call you back rather than wait. Is not helpful at all. I was asked about a few transactions that occurred with my debit card and verify it all, except for 1 charge that was overseas. I was told the card was compromised and I would get a new card in the mail. On Monday XX/XX/XXXX I seen the credit card payments I made, and by the end of Mondays day I had deposited enough money to the account to cover the credit card payments and left with a positive balance of {$96.00}. On XX/XX/XXXX, I was charged with four {$35.00} fees Because of the {$1000.00} charge the fraud department placed on the account that I wasnt aware of would be in the account. I spoke with a supervisor on the phone and he had could not understand the issue. Since then Ive been hit with additional fees to the account for more than {$300.00}.

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 2018-03-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
School loans were from XXXX back from XXXX until about XXXX. I have consolidated also in the past as well to make it one loan payment. However, due to circumstances over the years, loan was deferred at one point then when things were even worse with a bankruptcy, the loan was being paid by the bankruptcy. Then once again, it came time for me to take over payment, by that time ( XXXX ), I was now unemployed due to a workers compensation issue and made them ( Navient was XXXX XXXX ) was notified instantly with all my current financial information! I was now bringing in almost next to nothing to support not only myself but my family, needed XXXX as well. I requested any assistance available, whether it be temporary deferment or full on forbearance for the time necessary. NOT approved on any level which made no sense since I had no income!! I kept calling and explaining even to management about my situation and forwarding information stating I went from an income after bankruptcy to nothing and could not pay monthly. Therefore, Navient went and put me into collections stating I was NOT paying, which they wanted over {$200.00} a month when I did not even bring in that any longer. No one else in my family worked either. So after two years of fighting, someone there suggested checking with the federal student loan division, they finally requested taxes which showed income, they pushed through a deferment for a year. Now I am noticing that they are still adding on interest though, even though approved for no payment at all for a year. Also, noticed that over the two years they not only had sent me to collections and ruined my credit but also added on over {$14000.00} of late payment fees!? During bankruptcy being chapter XXXX ( XXXX ), they were not suppose to add any fees since they were getting paid by trustee until after done with bankruptcy? After, should have been deferment or forbearance due to my income because of not able to work? I now XXXX, need to relocate for a new work position but my credit is not up to par due to the fact that even though Navient shows ok now, the old collection issue that should not have been there to begin with ... is!! Also, creditors wonder by the jump and increase of the almost {$15000.00} when I did not go back to school!? Over {$100.00} increase even now during current deferment? This is just robbery and crazy! How can anyone survive with this kind of injustice occurring? Trying to teach fairness with loans for students to my daughter who now attends college and needs loans, this kind of business is just not right and should be illegal!! I see many cases and lawsuits now against Navient. Do I now need a local lawyer as well just to save my credit, get the help I need to move on with my life with a good job that I need to now because I need good credit to do so!?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received correspondence from Wells Fargo advising there was an error in how my loan payment was being calculated and they would update that and me on what my loan balance should be. This revealed Wells Fargo was estimating my loan payment based on a 20 year repayment term instead of the 25 years on my promissory note. The correspondence provided to me by Wells Fargo advised that any late fees incurred as a result of this incorrect payment that was required will be reversed. I contacted Wells Fargo regarding any deferment taken during this time if an allotment would be made. The customer service representative advised me it would not and did not let me speak to management as I requested. The representative advised they could not assume had the payment been lower I would have been able to make it and would not have used deferment, despite the fact that they are assuming the same for late fees. I do feel a portion of deferment should be allotted back to my account based on Wells Fargo 's negligence. I do not think it is fair to require I use the same deferment for an additional 5 years, particularly when Wells Fargo is making the assumption late fees should be waved because of their incorrect payment calculation.

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 2023-02-01
Company: ENCORE CAPITAL GROUP 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:
Upon review of my credit report from all 3 credit beuros I noticed several inconsistencies with the dates open, dates closed and reported. I have asked the companies to investigate and confirm everything is accurate and they state everything is accurate.

15 use 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account without written instructions.

I believe my rights have been violated and negative reports have inaccuracies. I am requesting that you investigate on my behalf and remove all negative reports from my credit report from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
KeyBank told me they closed my checking account and safe deposit box. 

They apparently never actually closed my safe deposit box despite telling me so in writing. I am owed a prorated refund after the date of the stated closure. 

My checking account balance at KeyBank is {$0.00}. I never bounced a check, had a fraudulent transaction, or anything, yet they filed a report with XXXX XXXX XXXX claiming " checking account fraud. '' No reason for this has been given. I demand that KeyBank support this claim with evidence of promptly remove this inaccurate information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX / Closed XX/XX/XXXX, Balance of {$640.00} ( Capital One ) has derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( Capital One. ) has violated my rights as a consumer and I am requesting legal action to remove this account immediately, in addition to we are in the middle of a pandemic COVID-19 which is allowing relief to 85 % + consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was in the process of selling my home and discovered that PORTFOLLIO RECOVERY SERVICE has placed a lien on my home for a debt that I do not owe, I called ( XXXX ext ( XXXX ) I spoke with Ms. XXXX, she advise me that the information she has on file was discharged under my bankruptcy in 2013 and she did not see anything else with my name on it for the amount of this Lien. I asked how can this company just file inaccurate information and cause tremendous harm, and damage to a persons life without being sure of the debt. she stated that they do make mistakes from time to time. I have requested along with my title company that PORTFOLLIO RECOVERY SERIVICE remove this negative information or for them to please send the proper paper work to show that this is NOT my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: NY
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:
IN XXXX OF 2017 I DISPUTED THE ACCURACY OF THE BELOW ACCOUNT WITH XXXX, XXXX AND EXPERIAN. AS SEVERAL THINGS ARE INCORRECT. XXXX AND XXXX   DELETED THIS ACCOUNT FROM MY CREDIT REPORT, BUT EXPERIAN REFUSES TO REMOVE IT. I DO NOT AGREE WITH THIS, AND WOULD LIKE IT REMOVED. 
- Balance {$4900.00} Balance Updated XX/XX/2017 Original Balance {$23000.00}

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 2020-11-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We are filing a complaint against Rushmore Loan Management Services. We are in a forbearance due to a natural disaster until XX/XX/XXXX, that has been confirmed. Even though we pay our monthly escrow payments as agreed on time, and never missed a payment, they keep reporting us to the Credit agencies as being over 180 days past due since XX/XX/XXXX. This has caused our credit score to dramatically drop over 130 points each. Although we continue to call the Loss Mitigation dept weekly and leave constant messages with our Point of Contact Reps, we do not receive any call backs from them. We have gotten through to other reps in that dept occasionally that can see the remarks in their system and confirm we are in a forbearance which we have a certificate and letter confirming as well, and they say that we should not be getting reported and insist it will be corrected and they will forward our information to a manager for prompter assistance, but so far nothing has been rectified or addressed. They even recommended back in XXXX that we write a dispute letter, and provide copies of each of our credit reports showing the inaccuracies by at least one of the Credit agencies proving our claims and fax to dispute department, which we did do on XX/XX/XXXX. They sent us a letter on XX/XX/XXXX saying they were taking the derogatory marks off for XXXX and XX/XX/XXXX only and it will take 30 - 45 days, however our reports as of today XX/XX/XXXX, are still showing delinquent and past due 180 days for XXXX, XXXX, XXXX, and XXXX and our scores are still down over 130 points. Also, we get at least 2 calls a day from Rushmore 's automated system claiming we are past due on our account, and we have received letters on our front door every several weeks to call them about our " past due '' account. We continue to call and continue to leave messages with the Reps and still this has not been rectified and we are beyond frustrated now. We have also contacted the Credit agencies ( XXXX XXXX, XXXX, and XXXX  ) and disputed the derogatory marks as well, but they responded to us that they are being told by Rushmore Loan Services that we are still past due on our account over 180 days, which is incorrect and very frustrating for us. We are at a loss as how to get this corrected and need assistance asap so we can get our credit scores back up over the 130 points that has dropped because of these inaccuracies reported to the Credit Agencies. Any help would be extremely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Monarch Recovery Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company listed as " Monarch Recovery Management '', phone number XXXX, has been constantly calling me on a daily basis. I have no debts owed and they are trying to aggressively get me to pay money that I do not owe by constantly harassing me. 

I have contacted the company numerous times to stop calling me and they confirm each time that they will cease all calls to my number. They just keep calling multiple times a day and have ignored my requests to cease their harassment. 

This has been ongoing for several months and it is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with Bull City and a rep by the name of XXXX on XX/XX/2020. Disclosed to her I could only pay one account at a time. I asked her when I paid the {$180.00} of the {$370.00} ( it is 2 accounts for {$180.00} a piece ) if it would be removed from my credit file was told yes. When I called was told not the case and I needed to pay the entire balance or it would not be removed. I did not get the paperwork from them only notice I got was when it hit my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, We attempted to close on a new home using Pentagon Federal. They missed two closing dates by not sending our  information to underwriting, and then failing to send closing documents to the closing attorneys/title company on time. This forced us into renting ( early occupancy ) for a week ( in addition to hotel costs prior to this point. ) Given it was Pentagon Federal 's  mistake for the repetedly late closing, they negotiated to pay the prior owner directly for the early occupancy fees ( total of {$800.00} ). All parties agreed to this direct payment to the prior owner. On the closing date they did not pay the owner, but rather applied a discount in the closing costs without explaining this to anyone and not disclosing the reason for the discount. This hid the transaction and changes my taxes at the end of the year without my approval. After two weeks of not responding, the loan originator responded with these comments, " I have confirmed that due to compliance reasons the credit had to be disclosed on the closing disclosure. This {$800.00} credit was deducted from the amount you paid due at closing. I know this was not how you preferred this credit however, for tracking reasons with regulators, this had to be credited this way. '' It read as if they were attempting to hide the action from mortgage regulating authorities. 

Finally, PenFed then issued a letter attempting to force different home insurance for our property, by claiming our current home insurance failed to meet required minimums for PenFed mortgage servicing. When I called the " Insurance Service Center '' on XXXX, the Service Center acknowledged that the information in the letter was false, our current insurance was more than adequate, and PenFed maintained a policy to send these letters to all their new mortgage holders with the false information. It appears to be an effort to force action on false pretenses. This could have cost significant money had I acted on their claims without verifying with my insurance carrier and their Service Center.

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