BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We did not recieve our statement for XX/XX/XXXX. We contacted Loancare Llc to get them to resend a statement ( never arrived ) and get our loan number so we could make a payment. The payment for XX/XX/XXXX was made on XX/XX/XXXX. Once again we did not receive a statement for XXXX. We logged on to their website to make the payment. We were immediately shown that we were behind by one payment and that we needed to make a double payment to catch up. We made the double payment just to make sure there would not be any issues. I have attached screen shots of the emails and online account info to back this up.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment in XX/XX/2016 for 30 days late on account ending in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report and as You can see on my report all of my other payments was on time. Please delete that late payment off my credit report or provide me with proves that the payment was made late on XX/XX/2016 as my bank record show it was made in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: Atlanticus Services Corporation
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
Fortiva allowed XXXX XXXX XXXX XXXX to charge my account for {$6600.00} without my authorization on XX/XX/XXXX. I did not provide the company with my card or account information nor did I sign anything authorizing the payment. My roof was supposed to be installed on XX/XX/XXXX. My contract stipulates that I do not pay anything until the work was done and I signed off. I contacted Fortiva once the work was not completed on XX/XX/XXXX to ensure that the company could not charge my account without my consent. I was told they would not be able to debit my account without my authorization. I still have not received confirmation from the company the work is completed and now my roof is leaking. I never spoke to XXXX XXXX about processing the charges and was unaware until I saw the charge on my account. Fortiva has allowed this company to debit my account unauthorized and still has not reversed the payment after being notified of this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudlent charges on my XXXX XXXX that I did not make, they say I benefited from things but their is no proof of such thing. 

Under federal law I reported the problem in a timely manner and should be removed from my 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 2021-01-02
Company: Consumer Adjustment Company Incorporated
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have previously disputed this charge several other times.SEE other complaints by me regarding this issue. 

1. The correct amount is NOT {$790.00}, it is {$370.00}. See exhibit # 1 & 2. This is the bill for the physicians part of service and description of what this charge is. Note the physicians name and description in middle of page, note date of service etc. 

2. This charge already appeared on a XXXX, XXXX, XXXX, XXXX credit reports.On the first three I got it removed via previous cfpb complaints except for XXXX. See exhibit # 2. I did not owe this and this is not my debt because I had filed for indigency which was approved for both the er visit and the physician part. See exhibit # 3. It is illegal for this charge to reappear after it has already appeared on a credit report. 
****see cfpb complaints XXXX & XXXX **after last complaint here, collector took it off and said it was marked as unpaid. I thought that meant it could not be sold again. 
3. I was able to get this removed from all previous credit reports but Im now disputing the XXXX report where THEY HAVE REPORTED IT THREE TIMES. It does not belong on my credit report now since I filed for indigency, due to my economic situation at the time. See exhibit # 3. Also note my balance due is {$0.00}. The hospital wrote off the whole amount due to the indigency. The physicians did the same following the hospital. The indigency application follows all charges.

4. It needs to be removed from my credit report PERMANENTLY because it is not a valid charge, for the reasons stated above.It should not be able to be sold again. 
Please remove this charge from my credit report. It is inaccurate, illegal, invalid, fraudulent. 

XXXX XXXX, XXXX XXXX XXXX, XXXX al XXXX ( ss XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: CITY NATIONAL BANK
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
CNB Crystal VISA Infinite # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. 

On XX/XX/2020, I received an email from XXXX XXXX ( please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. 

On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. 

What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. 

This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. 

Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. 

If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. 

Thank you for your time and consideration. 

Sincerely, -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: North Shore Agency, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I subscribed to XXXX online and was sent one issue of the magazine. I was never billed for a yearly subscription, and indeed no yearly subscription was ever sent. I decided that they were incompetent and that it was better not to have a subscription. A year or so goes by and I get a bill ( in XXXX 2015 ) from a collection agency. I send XXXX subscription service an email telling them that I am only theoretically responsible for paying for one issue of the magazine and that because they have already severely inconvenienced me, I felt my debt to them had been discharged and that I would be paying them nothing. They responded with an email apologizing and reassuring me that I did indeed owe them nothing. Now, more than a month later, I have received another notice from a collection agency. I owe no money, they have agreed that I owe them no money, and still they will not stop harassing me and damaging my credit rating. I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had XXXX remodifications in the past. XX/XX/XXXX we made timely payments. XX/XX/XXXX we missed a few months ' payments. When we got our tax return we were able to pay down {$2000.00} on an over {$4000.00} balance. This stopped any acceleration. We then made over our monthly payment for several months in XX/XX/XXXX. XX/XX/XXXX we got our monthly statement which included our monthly payment due and the total amount due to bring us current. We spoke with a representative on XXXX XXXX and she assured us that if we payed that amount of money via XXXX XXXX or overnight cashiers check that we would be current, all acceleration would stop and we would not have a payment due again until XXXX XXXX. On XXXX XXXX, XXXX {$3500.00} ( the exact balance ) was paid by cashiers check in a Bank of America branch as an epayment. 
Today on XXXX XXXX I got a call stating we were in foreclosure that they did n't have record of the payment and that if they payment showed up it would be rejected because we now owe the foreclosure fees as well. We did exactly as we were told - choosing the electronic route at the bank because it was faster than an overnight payment and we are being punished!

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 2016-09-19
Company: Big Picture Loans, LLC
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Over the phone loan based on a " you qualify '' flyer from bigpicture loans. They told me I could pay it off in XXXX payments and that my payment would be {$100.00} per pay check because they would put me on special payoff plan. I borrowed {$500.00} after XXXX payments I called to make sure it was paid off and they said I still owed and had n't paid anything off, only interest and that it is set up for XXXX payments set up for 785.79 % that ca n't possible be legal. I called them and they said I just have to pay it because they post the rates and payment schedule on line even if I did agree over the phone, also they are a XXXX that is not subject to US Federal regulations. I now have paid {$980.00} and they say my loan is till {$420.00} out of the {$500.00} i borrowed. There is no way this can be legal, how can this be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Very difficult to get different payment options through Navient. More or less if you ca n't pay what they set for you, they only give you the option to go into forbearance. If you say that 's not an option, they say " tough luck ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: ECMC GROUP, INC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ECMC keeps hiring third party bill collectors to either put a wage garnishment on my paycheck or to continue harassing me despite the fact they have no evidence to prove I incurred this debt. Every time I dispute with the credit reporting they hire another third-party collector based out of Delaware.

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 2021-01-02
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2017-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2017, I was suppose to receive payment for services rendered from my place of work. I attempted to check my account and to my surprise, I was locked out. I then called BoA ( Bank of America ) and spoke with customer service. I was n't satisfied with the outcome of my call as it was a complete waste of time because I was completely disregarded- I was on the phone for 5 hours trying to resolve the matter but accomplished no progress or answers. I then went to the Branch in XXXX, Maryland and spoke with a Manager ( XXXX XXXX ) whom i have a good relationship with and he informed me he would release my funds and allow me the funds regularly deposited every two weeks according to my pay history and take care of the matter. I expressed that I use my account to provide for myself, wife, and XXXX children but am unable to because I currently have no money to draw from. I am under the impression that no one cares about my financial hardship ; I sensed a nonchalant attitude from each member with no sense of time and understanding of my urgent situation. I have been banking with the company for 10 years where I was able to build an outstanding relationship therein up until this point and am furthermore surprised at the outcome thus far. I have nothing to show for my valued hard work deposited and am completely uninformed as to why or what is going on- this is unfair and I deserve 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 2021-01-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chase Bank continues to report an account ( JPMCB CARD XXXX ) on my XXXX  credit report that is a business account for which I have no personal liability. XXXX, XXXX XXXX, and XXXX have all removed this item from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: NY
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 the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX XXXX Police Department report, which verifies my situation.

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