BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020, I was laid off from a job that I held for 22 years due to the company downsizing during the XXXX pandemic. I contacted Wells Fargo several times for some payment relief options as well as options to refinance my XXXX XXXX XXXX. I was not offered any options and was told it was due to the nature of the loan being in a payback status. At the current payment amount level, it is difficult to make the payment as I am trying to recover from financial hardship. I have been a customer of Wells Fargo for 20 years and don't understand why no options were provided to me. They did not request any documentation to even consider my financial status and I was wrongfully denied any type of loan modification as a homeowner in need. Wells Fargo was negligent in providing clear and detailed information about the origination of the loan and the interest charges I have paid over the years. Furthermore the terms of the loan changed without any notification.

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 2023-10-23
Company: Eagle Recovery Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter was inpatient at XXXX point in XXXX XXXX. I gave them both insurance cards at time of admission and one more time while in the hospital. I got a few bills from hospital stating a balance owed, and I called with every single statement received and gave them information again for the secondary insurance. Primary was billed and paid majority. Despite constantly giving this information, her secondary insurance was never billed or saved to her file and they sent me to a collections agency. I called them and was told it was too late to bill insurance now that they are involved. Then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-08
Company: First National Collection Bureau, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have been contacted by various collection agencies about a XXXX XXXX credit card. I did not open said account and provided information as to it being impossible that I could have opened the account. They continue to bounce from one collection agency to another and attempt to report this account on my credit report. 
It is not my account as I did not open it, I request you make them cease their harrassment and unprofessional tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase stating that they were cancelling my credit card due to my having a connection to financial investigation. I am not under any investigation and they have confused me with someone else, which has happened due to my name being similar to others who have been in financial trouble. 

When I called the phone number Chase provided, I was told that the decision was final and that they were not able to talk about it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.C. Systems claimed to have spoken with me in XXXX  about a medical debt. No recollection of such call. Company claims they sent a letter to a California address Ive never lived at and dont understand why they would send one to California when I live in New York and have lived in New York for almost 20 years. I.C. Systems placed a collection account on my credit report and claims they followed U.S. law by sending a letter to a unknown address to claim that the consumer was notified.

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 2023-02-14
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Seeded started A XXXX XXXX XXXX account where they were taking XXXX dollars out of my checking account every other week.The account has matured and they are giving me a hard time about vetting my money back.They gave me a so called loan for XXXX XXXX  but it works in reverse I never saw a dime of the loan but I was paying money into an account that I never had access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: GOLDMAN SACHS BANK USA
State: NC
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 made a payment at around XXXX XXXX through my apple wallet in the amount XXXX of which XXXX was made from my apple cash balance. On XX/XX/XXXX at XXXX apple card charged me interest in the amount of XXXX. I called Apple to inform them of the error and was told a billing dispute would be open. On XX/XX/2023 I received a call from Apple indicating that they didn't process the payment until XXXX XXXX on XX/XX/XXXX and wouldn't credit me back the interest. There seems to be a processing error on their end as the payment was made at XXXX XXXX through Apple wallet not my bank. This caused my card to reflect over the limit and report negatively to the credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. Pursuant to section 605B you must remove the fraudulent inquiries. I have included FTC report # XXXX along with a cover letter and drivers license and utility bill.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: FL
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:
These are ALL the UNAUTHORIZED HARD INQUIRIESON MY REPORTS that were NOT AUTHORIZED BY ME NOR DONE BY ME ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a piece of mail from XXXX and collections on XX/XX/23 about an account with an outstanding balance due to my personal information being compromised. I've already contacted both companies on the issue to dispute

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 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a Capital One credit card in XXXX, XXXX with a line of credit in the amount of {$500.00} and six months later in XXXX, XXXX I received a line of credit increase. I was advised that I would get another line of credit increase six months after the increase in XXXX, but when I requested a second line of credit increase in XXXX, I received a letter from Capital One stating that my average monthly payments too very, however, I make multiple payments above my minimum payments every month. 
Today ( XX/XX/XXXX ), I submitted another line of credit increase and again, I received an automated letter stating the same reason for denial on a credit limit. 
When I contacted Capital One, representatives only apologized for the inconvenience but did not offer any resolution and I was told to apply again for a credit limit increase after six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had an account with you guys and every time I tried to deposit a check it would put my account in the red

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 2023-04-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This complaint is my follow-up complaint to ensure that the items in my file that appeared to be fraudulent are deleted ultimately. 
Please delete the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}

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 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need enforcement because all the investigations is done Ive done all of it now I need enforcement of my rights

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 2018-07-18
Company: Meridian Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter on XX/XX/XXXX from Meridian Financial Services, a collection agency demanding a debt to be paid in a total of {$16000.00}, which was owed in XXXX from the original company XXXX XXXX XXXX XXXX XXXX XXXX in Florida, which I don't remember that I ever purchased the time share membership. Meridian Financial Services has filed a lien with my credit bureau for such amount. 

I has filed the dispute with Meridian Financial Services that I do not owed this money and asked the company to remove the lien from my credit but they refused.

I am also curious if the debt owed in XXXX that has reached the Statue of Limitation law ( assuming if this debt does belong to me ), does the collection agency violated the FDCPA and Statue of Limitations laws?

At this point, I'm contacting a local attorney who is specializing in FDCPA law to take care of this, but I don't really like that I have to pay for the attorney fee for debt that I do not owed. Any comments or suggestions are greatly appreciated.

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 2023-03-01
Company: Data Mortgage Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There was a miscalculation on my account by the mortgage company therefore my mortgage went up. When I called to ask about payment the amount off therefore my mortgage payment wouldnt increase monthly they informed me of how to pay it however it would not allow me to pay it separately from the monthly payment. When I asked about making partial payments to assist me with managing my monthly finances they told me that it was not possible. Also informed me that the partial payment that I was sending on XXXX23 would be returned or held and not applied to my account. I am just trying to budget and set up my payments to make life less stressful with me as this is a new experience for me and my family and it has made me feel the decision was the wrong one to make. I do not remember the supervisor who called me back but she was not at all helpful nor did she care as to what I was asking. I feel she only called because my concern was placed on her desk and it had to be done since she is on shift at the time. This is very frustrating and I feel should not be allowed. 

My loan was purchased or sold to Essex from XXXX XXXXXXXX XXXX and the supervisor informed me that they follow the same terms therefore in the document it says that if I have a concern or experience any challenges to contact them immediately for options and this is what I am attempting to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: CA
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:
It has come to our attention that MORGAN CHASE BANK has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: AL
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 XXXX accounts on my credit report with XXXX XXXX XXXX  that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.

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 2023-03-08
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I authorized two transactions of {$1000.00} each for a total of {$2000.00} to My XXXX XXXX for educational courses. I was kicked out of the program in XXXX of XXXX and not given a refund. In XX/XX/XXXX, it was revealed the school was operating illegally. I reached out to chime to file a dispute for my money on XX/XX/XXXX I received an email the same day telling me my dispute was closed and they denied my claim and I could review the documents they used to determine the decision but there weren't any sent with the decision email. I called on a couple of occasions and got a run around about how I should have the documents. On XXXX XXXX, XXXX I called to ask for copies of the documents and was told another dispute would be opened. A few days later I received the chime document attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Cascade CISS Holdings, LLC
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:
Collection account does not belong to me. I was frauded. It was reported on my credit reports and it is completely wrong! 

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports. 

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g.

Company response to consumer: Closed with explanation