BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
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 and XXXX are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX  card ending in account # XXXX. I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX company put a force insurance policy on our building. The fire was on XX/XX/2020 and they will not response to us, pay for the damages, give us a point person to handle this situation, will not cooperate with us and title company to remove a cloud on title, will not give us a copy of the force insurance policy. Insurance company will not talk to us stating we are a third party. See attached letters.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My son was covered under the State Medicaid insurance. Our local health plan did not bill them correctly and I have contacted both the state and health plan to resolve this. They're supposed to have been talking and sharing the information to get this corrected. I have told the credit management company this on several occasions. 

They just called me and started the call by asking me to verify my son 's social security number and birthday. I told them I was not comfortable sharing that information with someone who had called me. Instead of offering me their number to call back to, the woman simply told me that she'll just keep calling me and my wife until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: MI
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 identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1100.00}. 
XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX Balance : unknown XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Paid my first trial payment on XX/XX/XXXX as payments are due the first of every month beginning XX/XX/XXXX until XX/XX/XXXX. Discovered that XXXX did not post payment until 2days later, also my mortgage was sold to XXXX from XXXX and I disputed my balance amount due to unethical handling by XXXX and XXXX XXXX disregarded me. My mortgage balance should not exceed XXXX. I would like my mortgage to be affordable and I want XXXX XXXX   to be fair

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and XXXX dropped my credit score 23 points without reason or explanation. I called XXXX  XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX American  male I've been a victim of this kind of discrimination for years and I need answers.

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 2021-08-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  and equfax ignore my letters disputing a hard Inquary from XXXX XXXX XXXX. I write them 2 letters each in the pass 6 months they never respond and XXXX  XXXX hangs up on me when I call there company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Trident Asset Management requesting that they validate not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other support documentation. They provided me with nothing which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: NC
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 have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-03
Company: EQUIFAX, INC.
State: NC
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 have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My wife from whom I separated and flied for divorce in XX/XX/2021, opened two credit cards with CitiCards in my name without my knowledge or permission. She has since admitted to me that she did. 
The first card appeared on my credit report on XX/XX/2021. 
I reported the issue on identitytheft.gov.

Unable to find a phone number of CitiCards to report the issue, I sent CitiCards a letter on XX/XX/XXXX to the address listed on the credit report, demanding that they close the account and that they accept that I am not responsible for the charges. They have not responded to that letter since. 
I also reported the issue to the police of XXXX, MA on XX/XX/XXXX, but have not heard back from them. 
I have since been able to obtain statements for both cards. The first has a credit limit of {$3600.00} and as of XX/XX/XXXX, a balance of {$3500.00}. The second card has a credit limit of {$2000.00} and as of XX/XX/XXXX, a balance of {$1700.00}.

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 non-monetary relief
Consumer complaint received 2021-08-15
Company: JPMORGAN CHASE & CO.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Chase JP Morgan has an account with me listed on it as an authorized user under my maiden name XXXX XXXX XXXX XX/XX/XXXX ss XXXX yet has never reported to the credit XXXX score in my name its been there sense XXXX I need them to report. I also tried to replace my card now 5 times and can't seem to get any answers on why they don't know how to issue my replacement. Main name on accout- XXXX XXXX XXXX my uncle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I attempted to pay my statement balance which was {$860.00}. When I logged back into the Citi site the next day, the payment amount was {$770.00}. I called Citi and was told that my payment was in the amount of {$860.00} and that any display of a {$770.00} payment was in error. Today ( XX/XX/XXXX ), I received an e-mail from Citi stating that my payment had been reduced to {$770.00} due to exceeding the account balance ( despite the fact that it did not exceed the account balance at the time it was initiated ). I always pay my balance off in-full, as I do not want to pay interest. I called Citi again. The rep asked how he could help. I explained the situation, and only heard dead air. I asked several times if he would respond. He did not. I called again, and asked if I could file a complaint against the first rep. Again, dead air. I need to know if my payment was reduced and if so, why. I need Citi to confirm that I will pay no interest as a result. I need Citi to tell me why two reps hung up on 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 2022-08-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been denied to extend my credit multiple times and then given high interest rates on loans due to the adverse action letters stating adverse items in equifax consumer report was the reason. 

Pursuant to 15 USC 1681 a ( 3 ) Equifax assumed their role in assembling and evaluating consumer credit and other information on consumers. I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to ensure the consumer reporting agencies exercises their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Equifax report about me is unfair and impartial because I was never consulted to verify if the information was accurate or if I even wanted the information reported at all. Equifax has not exercised their responsibility as evidenced by hundreds of inquiries theyve allowed on my consumer report. The 2017 data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumer report. Equifax has shown a complete lack of respect for my rights to privacy, by reporting these accounts and inquiries without my consent and written instructions. These actions by Equifax are also violations of the Gramm-Leach-Billey Act, referenced by 15 USC 6801 and 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I currently have a bank account with Simple a subsidiary of BBVA USA. My partner and I are buying a house, and need to move funds into escrow, {$48000.00}. In speaking to Simple customers service I was told multiple times that if I submitted the request for a cashier 's check it would go out the same day or the following day ( a Saturday XXXX when I called in the morning to submit the request. 

Following my phone call, Simple messaged me several hours later saying my request would not be handled until the following Tuesday, in direct contradiction to previous statements and then refused to let me speak to a manager or lodge a formal complaint. In a follow up phone I repeatedly asked to speak to a manager and was told that they could only transfer me to another agent because their managers don't take calls. Further, when I inquired about being transferred directly to BBVA who operates the account I was told that wasn't possible and so there would be multiple delays.

Given Simple is wholly owned by BBVA, and in fact the representative admitted that in order to process my transaction they called BBVA but refused to provide actual numbers or contact information for a real account representative. As someone who has multiple hundreds of thousands of dollars invested with this bank I was shocked to learn I essentially have no way to actually talk to a financial representative and not a customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received an email from Mr. Cooper stating that they received the automatic payment on my mortgage. When I checked the amount withdrawn from my bank account, it was {$1100.00} higher than my previous mortgage payments. This additional cost caused my bank account to be overdrawn, resulting in overdraft fees. After reviewing my mortgage account online, I saw that escrow was added to my account without my approval. 
I called Mr. Cooper and spoke with 3 different representatives. I was NOT notified of the change in escrow to my account either by mail or email. I opted out of escrow with my previous mortgage provider and this should have remained the same when my mortgage was transferred to Mr. Cooper in XX/XX/2018, which it did up until the XXXX payment. Mr. Cooper did refund me the overdraft fees, but I am still waiting for the refund of the escrow in the amount of {$1100.00}. I was told it would be refunded by XX/XX/XXXX. 
Additionally, Mr. Cooper paid my school taxes in XX/XX/2018 without my permission. At that time, I called to explain that I pay my own taxes and I had opted out of escrow, and I did not send them the tax bill so I was unsure how this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every time I contact Seterus and attempt to make my mortgage payment, they will not allow me to make my payment. Each of their agents keep me on the phone for long periods of time asking the same questions over and over attempting to badger me into committing to payments and payment dates that I know I can not keep. My payment is only one month behind but since they will not allow me to make the payment, I am in danger of falling further behind and I am incurring additional late fees. The tactics used are forcing me to incur late fees and damaging information being added to my credit report. At this point, I feel the company is attempting to force me into foreclosure and using very heavy handed tactics. At the end of the conversation today on XX/XX/2018 at XXXX, the agent would not allow me to make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX Opened : XX/XX/2017 Origianl Creditor Name : XXXX XXXX XXXX XXXX XXXX  Amount : {$600.00} Account Closed. First Credit Card. Inexperienced with credit. Want to pay interest. Financial Hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I would like to bring to your attention what I consider to be a totally unjustified fee charged by JP Morgan Chase Bank ( " Chase Bank '' ).  As other banks may do the same, I thought you should be aware of it in case you wish to investigate the matter with Chase Bank or all banks. 

The fee in question is a {$15.00} charge whenever a personal or small business customer receives a wire transfer to his or her account. To me, such a charge makes no sense at all. 

When funds are added to a customers account through a deposit by check, there is both labor and risk involved in crediting the funds to the customers account labor from the banks employees receiving, posting, sorting and processing the check and risk from the failure of the issuing bank to transfer the funds after they have been credited to the customers account. 

When funds are added to a customers account through a payment by wire transfer, there is neither labor nor risk involved in crediting the funds to the customers account no employees are involved in processing the deposit and no lag exists between the crediting and clearance of funds ( that is, no risk of the crediting of funds to be reversed ). 

Yet, Chase Bank charges its personal and small business customers {$15.00} every time a deposit is made by wire transfer into that customers account, even though it involves no risk and no labor. Only if the customer promises to keep at least {$100000.00} in his or her account does the bank then graciously agree to waive the fee, a fee that should never have been charged in the first place. 

To charge a fee to a customer to make a wire transfer is understandable. But to charge a fee to a customer to receive a wire is illegitimate. 

Absent any rational justification for this charge, it appears to be just another way for Chase Bank to enrich itself at the expense of its customers, this time by taking advantage of the economys move away from paper checks and toward electronic payments, a move, I might add, that has been accelerated by the pandemic by virtue of so many more employees now working from home without access to paper checks or the required signatories. 

I ask you to look into this and demand that Chase Bank and any other bank that imposes the same fee either justify the charge or eliminate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2013 my father suffered a XXXX  XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with the companys listed in the Attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE LETTER.

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