BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax refuses to address a problem with accessing our credit report that only they can fix. We worked with five different difficult-to-understand agents, supervisors, and managers over a period of three long hours and none of them were willing to do anything but execute the same old script which required us to answer a number of computer-generated questions that our answers did not satisfy. A number of those questions were based on the content of our credit report. I believe the failed answers were actually due to incorrect content in the report, not our personal information. That is evidenced by a number of online attempts which presented a number of content questions that were obviously not from our account because none of them matched any of our mortgage or credit items. Not only did they carelessly allow hackers to steal our data a couple of years ago, they are now corrupting our report so badly that we can't even access it. They claim they are trying to protect our identity, and are requesting we submit additional information to prove our identity before they can allow us to access our account. But, why should we because they have already proven themselves to be untrustworthy and unresponsive? Besides, all a banker needs is our name and SS numbers to access our report, and we have already given them far more than that -- and it's our information! How long are we to put up with Equifax 's careless and incompetent handling of important and sensitive information? By the way, our credit reports with XXXX and XXXX are fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
in accordance with the fair credit reporting act XXXX account XXXX professional debt, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: WASHINGTON FEDERAL BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have tried to get Washington Federal to stop all calls to our home and cell phones. We are in the process of getting our finances in order, and request a full cease and desist other that written communications only.

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 2021-09-12
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: Account information incorrect

Complaint:
Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
HELLO AS THEY ARE TREATED TO SOLVE THIS PROBLEM WITH MY BANK BANK REGION THEY ARE IN THE PROCESS OF CLOSING MY ACCOUNT ONLY BECAUSE I RECEIVED A CHECK AS I PAYED IT AND DEPOSITED IT IN MY BANK ACCOUNT BUT THE CHECK RETURNED BECAUSE I DID NOT HAVE FUNDS I DID NOT KNOW WHAT HAD PAID ME WITH A CHECK WITHOUT FUNDS NOW MY BANK SAYS THAT I'M TRYING TO MAKE A FRAUD AND IT IS NOT ALREADY I HAVE SEVERAL YEARS WITH THIS BANK ACCOUNT HERE IS WHERE I RECEIVE THE MONEY THAT DEPOSITS SOCIAL SECURITY FOR MY XXXX SON XXXX XXXX THIS ACCOUNT TO RECEIVE MY MONEY .... I NEVER TRIED TO MAKE FRAUD AND I HAVE TIME HERE AND NEVER HAVE THAT INTENTION THANK 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 explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
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 credit reports shows the information which does not belong to me. 

Earlier, The same issue happened to me in 2019. I created dispute and corrected everything. 

Now same issue happened to me recently. And someone unknown informations, inquiries and collection accounts are observed in my credit report Equifax and XXXX  are saying that information might be mismatched with someone else with similar name.. 

I have suffered a lot. I got denied for the government licence ( XXXX  ). I have been in process for correcting everything for more than a month. I got tired of making calls. This is wasting my time without even my fault. 

If Equifax and XXXX will not record my information correctly, how many times I have to create dispute in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received the letter dated XX/XX/XXXX, from Mandarich Law Group , LLP regarding my current Creditor XXXX XXXX XXXX in the amount of $ XXXX never have creditor XXXX XXXX, and the balance was a charge off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by XXXX XXXX XXXX XXXX. I make my payments via XXXX XXXX XXXX. I have made ALL my payments either on time or in advance. I can document all of these payments. I was pre-approved for a home loan by XXXX XXXX XXXX XXXX, TN on XX/XX/XXXX. My credit score was well above the required XXXX. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX XXXX Bank reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts to keep my things in storage and live in temporary housing.

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 2019-04-23
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Equifax several times via phone, online and first class mailings on many ocassions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax, several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have wired through one of Chase branches in XXXX XXXX, the exact Reinstatement Amount of {$43000.00} to JPMorgan Chase Bank In order to remove/withdraw their wrongful foreclosure proceedings on my residential property.

However, the Chase Executive Ms. XXXX XXXX, and it's trustee, XXXX XXXX XXXX XXXX are not honoring even their own rules and regulations, she wants the Total Payoff of {$100000.00} now in order to remove their wrongful foreclosure proceedings with Sales Date of XX/XX/2019 at XXXX XXXX on my family resident.

She knows I can not prepare XXXX in such a short time. That's why I asked for minimum reinstatement amount to avoid foreclosure without resorting to Chapter XXXX- bankruptcy filing.

I appreciate you assistant in bringing JPMorgan Chase and it's foreclosure trustee, XXXX XXXX XXXX XXXX. " Quality '' to their senses, and stop harassing my family with their fraudulent default claim as explained in my previous complaint about them on XX/XX/XXXX.

My previous complaint ID is. XXXX, submitted XX/XX/2019. Product : Mortgage Issue wrongful foreclosure.

Thank you, XXXX XXXX Tell : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
So I put half the money in the bank I only owned {$8.00} and some change they charged me to {$34.00} twice For {$8.00} dollars

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midwest is attempting to collect on a debt that I do not owe for {$610.00}. They are harassing me with an attempt to ruin my credit. They are reporting a debt as if I had signed a contract with them. Midwest is violating my Fair Credit Report act rights. They call and leave messages that they are sending someone to arrest me. They are reporting negative information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We got a bill from Freedom Mortgage stating we owed way more than our normal payments because they said that we owned 3 properties and our taxes were suppose to be XXXX per year and we had to pay a XXXX house payment to catch them up. We called and emailed them proof that our taxes were only XXXX per year and they made a mistake. They supposedly fixed the mistake, but come to find out they havent because we sent XX/XX/XXXX mortgage payment and they put it to the owed taxes and escrow instead of our house payment and in turn sent a bill stating we were late on XX/XX/XXXX house payment with a late fee on top of that. We paid our house payment on time and they messed up and they mess up all of the time. This needs to be fixed and we should not owe a late fee and they better not tell the credit bureaus that our mortgage was late, because it wasnt. 
Thank 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 explanation
Consumer complaint received 2019-04-23
Company: Financial Business and Consumer Solutions.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company, FBCS repeatedly calls Me. I do not owe any Debt and have told them. They continue to repeatedly call. Have received no written information about any alledged debt by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, Bank of America had a mortgage lender that sent me a preapproval letter that approved me for a 30 year conventional loan for a {$300000.00} home. On XX/XX/XXXX, purchased a {$280000.00} home and I had to put down a deposit of {$2800.00} for earnest money, a {$100.00} nomination fee and I had to pay for a {$400.00} home inspection fee. I paid {$3300.00} and now on the last day of the underwriting process, Bank of America has denied to finance my 30 year conventional loan for the {$280000.00} house. The bank of america mortgage lender has denied to return my {$2800.00} earnest money, he denied to return my {$100.00} nomination fee and he denied to return my {$400.00} home inspection fee. Bank of America committed mortgage fraud because they gave me a pre-approval letter for {$300000.00} and they misled me and committed mortgage fraud and now I'm out {$3300.00}. Bank of America needs to return my {$3300.00} because their mortgage lenders committed mortgage fraud.

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 monetary relief
Consumer complaint received 2019-04-23
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have opened an account with sprint in XX/XX/XXXX and never had made the payments.it then went into to collections ( convergent Outsorsing ) and I had paid that off XX/XX/XXXX. I have recently discovered an error on this account and would like it to be removed as soon as possible. The account number is XXXX. 

The account number is wrong and does not show the full number of this account, their for this is an error and would like this to be removed from my credit report as soon as possible, Under the Fair Credit Reporting Act. Thank 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 explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: National Recoveries, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have written many letters to the Ombudsman, Student Federal Aid, which work in concert with each other because I have e-mail to prove it. When I prove them wrong and ask for specific information, This alleged debt is passed of t the next debt collector. XXXX XXXX /XXXX XXXX from National Recoveries Inc . 
Was clearly instructed to provide a license number to collect a debt in the state of Michigan and California. National Recoveries has not provided any license number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company has placed a collection entry on my credit report. I don't know what the debt is and they never notified me in advance so that I could request account level documentation that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX continues to keep this debt on my credit report even though they still have not provided anything with my signature or a social security number to prove ownership. If they bought the debt they should have these things if they belong to me. 

It is the debt collector 's burden to provide and prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions 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:
I am a Victim of Identity Theft On XX/XX/XXXX i have sent a Certified letter to Experian requesting them to block fraudlent accounts from my Credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

In the letter i included Copy of my Drivers License Copy of my Social Security Card Copy of current utility bill Copy of FTC Identitiy theft report Copy of my credit report ( identifing the fraudlent accounts )  Statement that the information for said accounts are not related to me and are result of identity theft. 

As of today XX/XX/XXXX the fraudlent accounts are not being blocked from my credit report. 

I am attaching the copy of paperwork that was sent to experian in my letter along with the copy of certified mail reciept from usps

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 2019-04-23
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: Their investigation did not fix an error on your report

Complaint:
I want you to please get rid of this information as soon as possible, I am not related to Chapter XXXX Bankruptcy XXXX and notify me when you do this so I can go ahead and apply for the things I have to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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:
I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation.

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 2021-05-07
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020, we purchased 2 tickets to see XXXX at the XXXX XXXX in XXXX, SC. The amount was {$330.00}. Due to Covid, XXXX first postponed her show until XX/XX/2020 then again in XX/XX/2020. I then received a notice saying that the show was cancelled. Citi Advantage has not refunded me my money. I also called Vivid Seats where the tickets were purchased and they said the concert still shows postponed on the website although I have something from ticketmaster that says cancelled. I feel my money should be refunded. No, XXXX XXXX authorized Vivid Seats to sell tickets which we charged on the credit card this event did not take place and we should get our money back!!!

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 monetary relief
Consumer complaint received 2021-02-01
Company: T.S. Holdings
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account IQ Data International is reporting inaccurate information on my credit report which is a violation of the FDCPA and also FCRA. Ive sent in validation letters on XX/XX/XXXX in which I receiver no response from them and also have documentation with the tracking number showing it was receive on XX/XX/XXXX. Theyre also reporting inaccurate DATE OF LAST ACTIVITY as XX/XX/XXXX in which it has been ILLEGALLY Re-aged and in violation. I have made no payments towards this account none this year and it should not reflect XX/XX/XXXX. Ive disputed this account twice with XXXX on XX/XX/XXXX & XX/XX/XXXX which it came back as verified but yet on my credit report it doesnt show that the account was even verified which is in violation with the FCRA of which I may collect up to {$1000.00} per violation which I intend on doing so unless settled. This account has shows that the account balance is higher than the actual HIGH BALANCE which is indeed inaccurate information. The debt company can not add any fees towards an account purchased from the original creditor, it may only collect what was originally owed which this is violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation