BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was modified with XXXX XXXX XXXX and recorded with the county. XXXX XXXX XXXX sold the servicing contract to Green Tree Servicing. They unlawfully added {$3000.00} to my total loan balance under the title : 'Corporate Advance Balance ''. They further did not respect the modification terms that were concluded and signed with XXXX XXXX XXXX. They have since charged lots of unlawful charges in order to acquire that {$3000.00} charge. Now the loan has been transferred to Ditech who is essentially the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Ive called Bank of America several times over the past 10 years or so about this issue and the core has not been resolved. 

When making a credit card payment, they do not limit the payment to the remaining statement balance. The result is that if Ive received a refund or credit on my credit card during the month, that is not removed from the autopay amount, and my credit card ends up with a negative balance. The overpayment can lead to margin interest being charged at the other brokerage, or worse, an overdraft. 

Because the solution is so incredibly simple from an engineering perspective ( limit credit card payment to remaining statement balance ), Im convinced they are doing this to benefit themselves. I imagine that people are more likely to spend that debit away rather than ask for a transfer of the overpayment back to the account it was paid from. I know this happens frequently since the representatives I speak to know exactly what to do when I describe my problem.

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 2021-06-17
Company: AMERICAN EXPRESS COMPANY
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:
I have an American Express account showing on my credit report. This has been on my XXXX Report since XXXX. I have since disputed this with BOTH companies. 

In XXXX, I filed a complaint with American Express and they told me that they have removed this incorrect information from their end. 
However, this still persisted to appear on my XXXX credit report. I filed another dispute with XXXX ( have done it twice now ) and the results always come back suggesting that it is indeed my account. I have NEVER held an American Express card or account ever in my life so I am not sure why this is appearing on my account in the first place. 

I called American Express again ( XX/XX/XXXX ) trying to check why are they confirming XXXX that I have an account with them. They ran my social security, my address, and my name and told me that they have nothing associated with that name, address, or social. 

I am not sure what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a TD Bank Credit card on my credit, which is not mine and I did not authorize the account owner to add me as authorized user

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Being insured by XXXX when I had to visit the ER at XXXX XXXX XXXX in XXXX XXXX, I had a {$30.00} deductible/co-payment and should not be charged or billed over that amount which was paid. I have confirmed these facts with XXXX, XXXX Employee ID # XXXX, and their phone number is XXXX for confirmation. 

Both XXXX XXXX and Grant & Weber collections have been notified, yet they continue to falsely report the inaccurate information on my credit reports that I owe more money than my deductible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, 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:
everytime i dispute information with equifax and experian they never properly investigate the accounts they always come with results that they investigated it in 3 days they never explain to me the investigated results who they talked to nor show me proof of ownership and signatures required by FCRA and updated copy reports they never properly investigate and because of that i have bad credit due to Identity theft!! they say they investigated the accounts within not even a weeek they always give me the run around and not help meee i have submitted police reports and documentation to proof that the accounts or information is wrong and they still decide to say that the accounts and info is correct especially equifax is a headache and XXXX  neveer had a problem with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: TN
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:
Good Day! I am writing to you guys due to some collection accounts that I never opened that are reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/21 Bank of America called me to say there was fraud on my account. From bank of america 's number exact number XXXX. They instructed me to move XXXX $ to myself via XXXX and on my own phone number so they could open a new account and refund the charges from XXXX due to the fraud. Once i did it, they hung up. I called bank of america back and they said they never called me. They said it is not covered or insured because it was not fraud it was a scam. The person called me from the bank of america number! and sent me the exact bank of america texts! They knew all of my bank information! It was exactly like a bofa fraud call. Now i am out {$3500.00} and bofa wont replace it.

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 2017-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

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 2021-07-03
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good day. I am making my mortgage payments to PennyMac USA, I still continue to receive letters from PennyMac stating that my mortgage is in default. Each time I call customer service, they repeat that my mortgage is in default and I continue to deny the claims. I have provided all of my payments and have even paid over the amount that I needed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: WA
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:
In accordance with the fair credit reporting act convergent account name ( 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 602 A section 2 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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the fair credit reporting act XXXX account name ( 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 602 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-09-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We applied for a refi of our 30 yr fixed mortgage with wells fargo. The very first step was payi g {$30.00}, and wells pulling our credit report and score. Based on that report and score, wells put us in the loan process. 
Then wells took {$500.00} from our Wells checking account for a property appraisal. Appraisal went fine and title insurance went through also. Then wells account rep XXXX XXXX told our homeowners insurance XXXX XXXX to change payee from XXXX ( existing mortgage holder ) to wells. All items went through the full underwriting and were approved. After discussing that I am XXXX and on SS XXXX, my refi was suddenly closed with no explanation. When i called I got a form letter saying it was my credit score but mortgage brokers said wells does loans with scores lower than mine and i wouldve beenscreened out at initial application, and the credit score was step 1 and they approved it. I think i was turned down for being XXXX. XXXX XXXX still shows wells fargo as payee and say loan was approved. They say only wells can change it. If my credit score was no good why did they take {$500.00} for an appraisal and change my insurance policy payee and do title insurance? plesse help 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 2021-06-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I have been targeted by some people they touch my app often over nine years now, I applied XXXX amex card last year or two years ago, last year through I spent and I have paid even I set to pay automatically, this people I feel like young bilingual and my origin is XXXX and somehow could be related to XXXX I guess, I am writing about my sense but often it is true. 
Anyway, I set auto pay, I often saw emails asking me to pay twice or third time in a month through last year. First I set to pay automatically even amount of spending was not much. 
Then I saw asking pay three or four times in some months, I went to app, auto pay was not set. It was not mistake but somebody touched the app. 
Next thing, I set auto pay and I paid, but after I paid twice asking me in a month, payment date somebody set but not by me. 
I was tweeting, actually those people touch my app and blogs and tweets over nine years after they were found as data frauds in XXXX XXXX XXXX XXXX team 2013. 
Then, it has been happening like that. 
Even XXXX account was touched by them when we were in need. 
Recently I had XXXX  XXXX and XXXX XXXX  cause a problem I treated me using deep skin moisturizer. It is not funny. 
Anyway, this is a problem it has been touched by someone, last thing,! ay XXXX, I paid to a, ex XXXX dollars, soon the payment was retuned without no reason then this XXXX Amex charged return fee to account XXXX dollars, this XXXX minimum payment tuned to be over thousands, it is fraud what the app workers do long years to my account. 
Is this fun? And I have been done by those people over nine years. 
As I am XXXX, I know some XXXX are very bad in XXXX, there are frauds a lot, when we can pay somehow, they have been doing might be fun to do this kind of bad behaviors over nine years but they are real data frauds, they make up reasons much often, so my claim it has been neglected and ignored I think. 
Recently my husband was called by even frauds.I cutout though. 
Shroud those all, they will see what they did thing caused their serious problem. 
It could be natural sanctions it could be something else. Sorry about those very dishonest people. 
Apparently this kind of bad thing they wanted ask me over thousands rather than XXXX dollars in one time payment, Look at that dirty bad workers are they operated USA or XXXX? 
Why targeting me? 
XXXX owns Amex or XXXX problem? 
What else? 
At least, XXXX XXXX and some other people have been targeting me since 2013, also this apps are on XXXX all. 
How long do I have to be done by those very bad people? 
Who could stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
i had a checking account with citi bank and they closed it out and now iam having trouble getting my money back i get nothing but different stories from different people

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 2016-05-30
Company: CCS Financial Services, Inc.
State: FL
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:
Made many attempts to contact XXXX to see why this exists and who it belongs to. They have not provided a legitimate answer as the reps do n't ha e access to view as it has been transferred to another department. I am sure the debt is not mine as I currently have an active XXXX account that is in good standing and was given to me with no issues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
After having a Paypal account for many years, Paypal sent me an email stating " You can no longer do business with Paypal. '' Needless to say, I was shocked and upset when I found out this happens to many people trying to use their services for legitimate reasons. I have been a private tutor for the past 6 years working for a well-established company. I recently decided to branch out on my own and begin freelance tutoring. After the first XXXX clients paid me via Paypal I received this email. I spoke with a representative from Paypal today who has informed me they can not tell me the specifics of why my account is permanently limited. This pay platform is XXXX of the most trusted and used for my client base and I feel wronged for having my account closed. Paypal has also informed me they will hold onto the money in my account for 180 days then determine if I can have the balance due me. I am not sure what I can do as I am an upstanding person who pays taxes and lives by the letter of the law. I would love to be able to use Paypal again and find out why I was banned and rectify it as I am sure it is a mistake. Please if there is anything you can do to help me retrieve my funds or open my account again I would be very greatful. If nothing else, I hope this does not happen to others trying to run a XXXX person business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2013, Bank of America charged {$270.00} for cleaning maintenance. Bank of America did not perform any cleaning maintenance on my home. Bank of America notified me that since the cleaning maintenance never happened, I would be credited the {$270.00} in my mortgage. I was never credited the {$270.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Company took there truck back as a LEMON after I only had it two weeks . This should not be reported on my credit as if i didnt pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call in XXXX of 2016 from Caine Weiner saying they were debt collecting for a debt I asked for proof of a debt they said I need to request it in writing they would not accept my written request. I then faxed, emailed and mailed a request and received. Itching. On XXXX XXXX approx I XXXX a {$60000.00} collection item on my credit report stating it had been " verified '' I have never received any proof of this debt as I demanded In writing in XXXX and they have continued to attempt to collect outside of the 30 days without providing documentation

Company response to consumer: Closed with explanation