BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NY
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 XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602 A States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
We owe Chase {$14000.00}. If we only owed  XXXX  at 20 % interest we would need 40 years to repay the loan. My wife is  XXXX  and her name is not  XXXX . We can not pay this loan in our lifetime. We called Chase on the  XXXX  of  XXXX  and talked with  XXXX   (   XXXX   )  and he said he could lower our interest to 6 %, payment of $  XXXX  /month but said  they decided not to help us. It was irresponsible of Chase to create an uncontrollable debt and refuse negotiation. It constitutes fraud on their part. I have both fraud and antitrust issues with them. I defaulted on loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There was an inquiry on my credit report in XXXX 2015 made from Discover company, I called Discover and stated to them that I did not apply for credit nor any goods from this company, This company called me and made an agreement that they will cancel the application and contact the credit bureau and ask them to remove the inquiry. The company discover did send me a letter but it is the fact that why it is taking longer than the usual time frame to contact the credit bureau to ask them to remove the inquiry off my credit report. I contact all XXXX major credit bureaus and the credit bureau that shows the inquiry which is from XXXX stated to me that Discover never did call or open up an send them an email to request to remove the inquiry, XXXX also told me that it never takes no more than a couple of days for a company to email them to ask for the removal of the inquiry. Discover has engaged in fraud and also made an attempt to open a application in my name. A month has passed by and the company Discover still has not agreed to what was been done and that was to ask XXXX in a email to remove the inquiry, There is no way that I can call XXXX and ask them to remove the inquiry the company Discover has to email XXXX and ask them to do it. But as of XXXX/XXXX/2015, XXXX stated that Discover never said anything, So I decided to file a compliant,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted by mail by law firms that will represent me in a lawsuit brought on by Portfolio Recovery Associates. I was n't aware of any lawsuit against me by Portfolio or anyone. I called Portfolio Recovery and they do n't have any records on me by searching my name or full ssn. The lawsuit claims I was in default XXXX. I called XXXX XXXX and they do n't have a record of me opening an account XX/XX/XXXX. They have no records of me at all. I researched the XXXX XXXX XXXX public records for a case against me. I found where Portfolio filed on me XX/XX/XXXX. I called the court house and they do n't have anything else but a case file. I was never served and the court does n't have any court dates scheduled for the future. I have court papers I got from the XXXX XXXX XXXX courts and the papers say unofficial. I also tried to contact the Attorney that Portfolio hired, but she never returned any calls. I found an article on XXXX XXXX about Portfolio stating the CFPB filed against them for pressuring consumers with false statements and churning out lawsuits using robo-signed court documents by the Consumer Financial Protection Bureau. I believe that is what happened to me. It 's a false judgment, neither company has any information on me. I feel harassed by them, spent a lot of time and effort trying to figure if this is a legitimate case and lost a lot of sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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 contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a heloc inXX/XX/XXXX with Bank of America. In the amount of {$56000.00}, of which I received ONLY {$25000.00} in XX/XX/XXXX. 
The HELOC reached a high balance of {$100000.00}, I believe, unbeknoweth to myself prior to XX/XX/XXXX. I learned of this error high balance upon speaking with a BOA representative while attempting to correct the item with the credit bureau. 
This item was on the file with the credit bureaus, in error, exceeding the seven year statute, from XX/XX/XXXXthru XX/XX/XXXX. 
I had great difficulty having this fraudulent act removed from my credit file. 
BOA charged off the account in XX/XX/XXXX, and sold the account to a collection agency, who I spoke with and are attempting to collect on an outdated account. 
The property was sold at XXXX County auction for one year unpaid property taxes, which was the equity for the {$56000.00} BOA HELOC. 
I never received a BOA bank statement concerning my HELOC deposit into my BOA checking/savings account, nor did I receive any deposit interest on the {$25000.00} that I initially received in the BOA HELOC, which possibly accrued interest adding up to over {$1000.00} per month for years, I received no withdrawal statements from BOA amounting to over {$81000.00} in transactions. 
I received a letter from BOA stating thefts from accounts at BOA and mine may have been affected in XX/XX/XXXX. 
In XX/XX/XXXX my BOA account had Overdraft fees for checks written on my account amounting to over XXXX XXXX dollars in less than one month, this did not include the amounts of the checks, which I know not, who wrote the checks, because I received no bank statements from BOA and I had an all time consuming fire in XX/XX/XXXXallegedly caused by a XXXX recalled fan motor. 
A successful Civil tort was pursued by XXXX  on my and XXXX  behalf of which I received XXXX proceeds for my demolished home insured by XXXX XXXX XXXX. 
Identity theft of myself by a BOA employee and fraudulent monetary gains activity, I suspect in this Bank of America matter. 
Again, I received only XXXX of a XXXX BOA HELOC with no interest added to my savings or checking account, that I received Not an amount of XXXX as BOA is alleging and investigating. 
I did not walk in and unlock the {$56.00} HELOC, as us required by BOA. 
I am ignorant to the dates and times and locations of the unlocking my BOA HELOC to the unheard of amount of {$100000.00}. 
The property in question was originally purchased in XX/XX/XXXX by myself for {$18000.00}. 
The HELOC loan amount of {$550.00} per month was more than it should have been on 4.5 percent interest rate for a {$56000.00} loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Synovus Bank
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: Account information incorrect

Complaint:
I contacted XXXX XXXX via mail XX/XX/2020, regarding them sending me a bill for a {$200.00} prepaid credit card that was a XXXX  balance and closed. On XX/XX/2020 I paid XXXX XXXX a payment of {$150.00} to have them to remove the incorrect balance that they was originally billing me. Instead of a correction, my credit report ended up showing a new " Highest Balance '' of {$340.00}. I called them again to discuss why they would show me owing a " Highest Balance '' of {$340.00}, when this is a prepaid card and you can not go over your balance. Instead of getting a response I got hung up on. There is no way my I should have a higher balance on a prepaid card of {$200.00}, that does not allowed you to exceed the {$200.00} limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  XXXX Account # 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 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 2021-10-06
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 unauthorized charges in the amounts of {$190.00} and {$20.00} were debited from my account, previous card number ending in XXXX was reported lost/stolen on XX/XX/2021. A new card ending in XXXX was received and activated on XXXX XXXX. The merchant of unauthorized charge was not authorized to debit funds from new card ending in XXXX nor checking account. Merchant was never given card nor account number.

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 2019-11-01
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I notified the 3 major bureaus regarding accounts that are erroneous and reporting fraudulently under my name. The most recent correspondence was sent 3 weeks ago.

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 2019-11-01
Company: Flagstar Bank, N.A.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'll be short and sweet. Having undeniable, objective financial difficulties. Asked Flagstar Bank for help with mortgage payments, supplied a mountain of paperwork and proof of my hardship ( s ), and was denied. Appealed, and denied again. The reason? Because I'm not more than 30 days late on my mortgage, which I actually am. How would a few more days make any difference? 

Hmmm ... I meet the criteria, I provided the proof, I get denied. How similar my situation looks to at least one multi-million-dollar-lawsuit. Oh, you want links? Here you go! 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ https : //www.hbsslaw.com/cases/flagstar-mortgages https : XXXX https : XXXX https : XXXX And here is Flagstar 's STELLAR, one-star cumulative ranking at consumeraffairs : XXXX XXXX XXXX An exceptional company is defined by how it handles its exceptions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, 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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Social Finance, Inc.
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I found out on the app, not an email or phone call my account has been frozen because it had negative balance. The negative shouldnt of been there because Im supposed to have overdraft protection but thats for different time. I called the fraud department which never answers a call you have to leave message and wait for call back. So I did this 10 times, no call. Finally a customer service rep says tge freeze will be lifted as soon as account is current. No problem, my direct deposit hit, I am paid once a month so I have bills to pay. Freeze still not lifted, no call back, customer service reps have sent emails on my behalf saying account is current and nothing. This is amazing that a fraud department operates this way. Now its costing me to be late paying because some lazy XXXX wont call me back or just hit a XXXX button. Im absolutely furious right now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SETERUS is my loan service provider. I have repeatedly asked for their assistance in modifying my mortgage. I have had some financial difficulties which caused me to fall behind on my mortgage payments. They have provided very little assistance and indicated that they would start foreclosure soon. I have filled out the same paperwork several times and have not gotten any closer to getting a modification. I am in need of your assistance in getting a mortgage modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bill was co-pay to a doctor in XXXX XXXX XXXX. It was paid 0n XXXX. Ihave copy of check, front and back. Paid thru bill pay. Talked with head of consumer relations at XXXX XXXX XXXX. He confirms I owe nothing. HRRG continues to send statements and leave messages on voice mail. This bill was for {$30.00}. 
XXXX XXXX confirms they do not use HRRG and described this as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This letter is to reveal the horrible service that I have received from your office. I paid off my account and was promised a Judgement of satisfaction letter. To date I have received nothing from your office but lies and deception. Just today alone I called and was given the run around and was transferred to over XXXX employees and still no solution to the issue. 

I am being held hostage even after I paid off my balance in full. I have not received my paid off letter nor a satisfaction of judgement letter even though I was promised. 

Today alone I have spoken to the following employees:1. XXXX and her manager2. XXXX ( in Customer service ) 3. XXXX in litigation4. XXXX XXXX using ID # XXXX. XXXX XXXX ( Litigation ) 6. XXXX XXXX ( litigations )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over 8 years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my XXXX position due to cut backs and have had a difficult time financially since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Well Fargo refuse to report to credit agencies payments made to account call number of times get same response for pass 6 months going into 7th month as I file this complaint your mediation will be 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 non-monetary relief
Consumer complaint received 2021-10-06
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am currently under an order by child support enforcement for in excess of 25 % of my wages. XXXXavitch & Block, llc sent me a notice of court proceeding to collect debt. 
i sent them a letter advising of such with relevant case numbers and advising the order is in affect until XXXX they filed a garnishment anyways, at my old job. they sent a second notice of court proceeding to collect debt and i sent emails to the attorney who was on the form and the managing partner. they filed the garnishment anyways. This is legal harassment and i believe it violates the FDCPA if they knowingly attempt to attach funds that are not attachable. I have received no response from Javitch Block. this is also running up the costs on the judgment which seems punitive

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 2021-03-26
Company: WELLS FARGO & COMPANY
State: WA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX Inquiry : XX/XX/2019. 
XXXX XXXX XXXX, Inquiry : XX/XX/2019. 
WELLS FARGO DEALER S, Inquiry : XX/XX/2019.

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 2023-07-22
Company: EQUIFAX, INC.
State: MI
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, Dept Of EducationXXXX - XXXX, Dept Of Education/XXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief