BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-19
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company repeatedly robo calls my fax machine every single day. Because it is automated and to a fax machine, there is no way to get them to stop. 

I have no accounts in collections and these calls are not for me. Because it is a robot dial to a fax machine, there is no way to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
in regards to the XXXX # XXXX inaccurate reporting is a violation of my rights according to FCRA... .YOU MUST DELETE IF THERES INCONSISTENCIES ON YOUR REPORT ING!!! PLEASE REMOVE THIS NEGATIVE ITEM OFF MY REPORT BECAUSE ITS HURTING ME AND MY FAMILY... XXXXDATE OF LAST ACTIVITY ARE TWO DIFFERENT DATES!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: AZ
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 inquiries are fraudulent and I didnt give permission for these companies to run my credit. I called and asked for signature disclosures for these companies. These companies couldnt provide me disclosures that I have to sign before running my credit for permission to run my credit. This is defamation of character as I already have a car and they keep running my credit for car approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
National Credit systems is reporting my debt collection on my credit report for {$880.00}. We offered to pay it in full and get it deleted but they refused. It was sold to a Law firm without our knowledge. So national credit systems is reporting it and the law firm is collecting this is not ethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2015-07-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Finance XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX / XXXX XXXX, XXXX Va XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX XXXX XXXX addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2016-08-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello i am having a problem with my mortgage company Penny Mac. I originally called Penny Mac with the intentions of looking for a pool loan instead I was talked into doing a refi with their company. Penny Mac told me my mortgage would be cheaper by about {$150.00} per month making my new payment {$1900.00}. As you could assume that was great for myself and my family. But, this amount did not last long bc I just received a letter in the mail saying my escrow account is in deficit by over {$8000.00} and rising! When I called Penny Mac their excuse was that they did a estimate for property taxes of around {$2000.00} but the taxes where over {$6000.00}. When I first spoke to them my deficit was in the {$7600.00} range and now just a few weeks later it 's more than {$8000.00}. They said the only thing they could do is up my mortgage to {$2500.00} over a duration of 4 yrs but yet my escrow deficit is still climbing. So now we were dropped by our flood insurance bc there was not money in our escrow account, and picked up by lender assigned flood insurance at a more expensive rate. Also when I called about this they added GAP insurance without my knowledge that day after speaking with them which added an extra {$600.00} or more to deficit. Please help Penny Mac has done nothing but take my Financial security away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2021-03-25
Company: MRS BPO, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This number has been calling me every single day for the past year trying to collect debt from me even though it is my mother 's and not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022, {$10000.00}, wrote out a check to a friend. 
OnXX/XX/2022, {$1400.00} transfer money to XXXX to a relative On XX/XX/2022, {$1400.00} transfer money to XXXX to the same relative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Credit Managment 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 Date of first Delinquency : XX/XX/XXXX Contact : Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description : This account does not exist in their database. I was on the phone with them for approximately 30 minutes Thursday XXXX  ( XX/XX/XXXX ) to figure out what this debt is and who is belongs to. The rep and supervisor took all of my information down can could not locate it anywhere in their system. This does not belong to me ( and it doesn't look like it exists ) and needs to be removed from my credit history as soon as possible. My contact number is XXXX. Thank you. 

Kind Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-10-09
Company: U.S. BANCORP
State: KS
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:
on my XXXX XXXX account it shows that i applied for a home mortgage loan also a credit card through Elan Financial Services on XX/XX/XXXX. The credit card is showing up as a hard inquiry. I have not applied for either one of these

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a fraudulent account/ collections. And was flagged as fraudulent by credence resource management. Please remove account from my credit report or provide proof within 30days

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 2020-03-10
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My insurance is included in my mortgage I was told that my insurance was dropped the insurance company said that they didnt receive a A payment and the finance company said that they didnt receive a bill so while theyre disputing the account both companies in the middle of doing so they dropped my insurance which is in my mortgage so now theyre telling me that theyre going to add their own insurance to my mortgage if I dont find insurance for that and they are were yelling at me they were telling me that I have to take their insurance and that if I dont that you like lose my home they would like making threats to me and Im very afraid Im lost my husband to XXXX and Im Im here trying to hold my own with my house I just wish someone could really help me but Geo XXXX I did contact them they did try an help it was Fay Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  XXXX   XXXX   XXXX  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off 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 non-monetary relief
Consumer complaint received 2016-03-15
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I 'm receive letter from Ability Recovery Services LLC,, with false Account #, Amount and Debt. I do n't have any business with this company or XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Bank of America Visa Credit card. Below listed cash transactions were done For the the year 2020 total amount {$270.00}. These transactions were provided by Bank customer services Supervisor XXXX. 
Total fees charged {$270.00} and Interest charged {$11.00} I called the Bank and explained as an example for {$1.00} cash transaction you are charging {$10.00} fee plus interest this translates into 1000 % interest which you may call it as a fee.

I requested to waive off the fee of {$270.00}. Bank representative said charged as per the agreement. I said you have agreement-agree. But from fairness and reasonableness standpoint how can you charge 1000 % for {$1.00}. XXXX Supervisor created a ticket XXXX. I asked within the company is there any department i can bring this to the leadership attention. He said NO. There is no email or physical address provided for reporting. I requested to send an email of the charges and conversation and decision. Bank said NO, we don't send emails or send letters on this issue. I called another time but still the same answer NO. 

I think these charges are unfair, and unreasonable, can CFPB intervene and help on this issue. 
Attached document.

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 2020-03-10
Company: EQUIFAX, 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:
I just reviewed my most recent credit report and noticed accounts that i think i from my identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Chime Financial Inc
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I received a deposit of XXXX from the irs treasury and I wasnt Aware of receiving it. At that time I was in a relationship and he had took my phone when I was sleep. Chime will not investigate the cameras to see who was taking the money off. I was cheated. Now if I wouldve just keep my deposits with XXXX Im sure this would have not happened. I want my money back and I want a proper investigation of cameras to prove my point. And if Im wrong Im wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am requesting you update your records to reflect my current address : XXXX XXXX XXXX XXXX XXXX, Kansas XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Kansas XXXX I request you to provide accurate Address information and Employer information. I am entitled to accurate reporting information Fair and Accurate Credit Transactions Act of XXXX ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. Reporting incorrect/inaccurate information-Inaccurate Address Information Reporting incorrect/inaccurate information-Inaccurate Employer Information Please provide detailed description of all procedures used in your process to determine complete accuracy of the information youve reported. Once you have finished your investigations, send me a complete copy of my credit report. As proof of my address, I have included copy of my Lease Agreements dated XX/XX/XXXX & XX/XX/XXXX. I have also provide a letter from XXXX XXXX dated 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 explanation
Consumer complaint received 2022-10-09
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to report fraudulent information to my credit report on a transaction thats not mine, and causing emotional distress on my life situation. Its defamation of character to report false and misleading information. I asked them to provide a notarized copy of the accounting ledger from their accountant to verify and they couldnt produce it. Its also inaccurate as they report it on XXXX  and 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 explanation
Consumer complaint received 2015-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check into my Wells Fargo checking account on Friday XX/XX/2015. The account had about {$350.00} and the amount I deposited in was about {$750.00}. I woke up on Wednesday morning the XX/XX/XXXX to an email notification from the bank that the deposit was put on hold. I went down to the Wells Fargo branch that I deposited the check out to clear the hold. The branch manager notified me that the hold was placed on XX/XX/XXXX and that the reason for the hold was that during the year I had a few overdraft charges. She also told me that the decision to hold the deposit was decided upon at their home office. Where ever that is. My complaint with Wells Fargo concerning this manner is XXXX fold. First off, they know its the holiday season and that people are spending money on gifts. By withholding deposits and not immediately notifying the consumer they allow the consumer to unknowingly overdraw their accounts. The decision to withhold the deposit days after the check was processed by the bank is highly suspicious. By the XXXX of the month the check should have been well cleared. Because I had overdrawn the account before I seemed like a easy victim for them to pull their scam on. When I approached the bank manager about this issue, within a minute she was able to release the hold on the deposit from her computer without any protest. If the bank had any real concerns about this as a long term issue then why would me telling them to release the hold be enough for them to release the hold. I also find the reasoning for the hold to be dubious in the extreme. To state the reason for the hold was because of overdrafts, then not allow a deposit into the account would seem counter-intuitive. Unless of course the bank wants the clients to have more overdrafts, which it does because it then slaps a {$20.00} charge on each overdraft. Wells Fargo 's actions in this situation are deplorable and should be held with utter contempt. It seems rather clear from my perspective that Wells Fargo was looking for an opportunity to slap additional charges on me by unlawfully controlling the timing in which deposits are allowed into the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation