BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: MD
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 am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the newly appointed personal representative of the Estate of XXXX XXXX. I petitioned for appointment on behalf of the Estate 's largest creditor ( XXXX XXXX ). The bank started a foreclosure on XXXX/XXXX/2015 and it has lain dormant to date. My research indicates that both the mortgage company and the law firm handling the foreclosure filed bankruptcy, and the law firm does not exist anymore. The Condominium fees accruing since the DOD of the owner exceed {$40000.00} and continue to accrue each month. Now the Court has sent out a Notice that it will dismiss the bank 's foreclosure case for non-prosecution. I am attaching documentation referencing the above. I do n't know if the address I provided for the lender is still good - I obtained it from the recorded refinance DOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX XXXX. My husband and I are expecting to incurred additional expenditures in XX/XX/XXXX so we paid our mortgage bill in two equal installment one was on XXXX XXXX, 2015 in the amount of {$1400.00} and another one was on XXXX XXXX, 2015. I personally called the company on various occasions which is prior to XXXX XXXX, 2015 ( to avoid late fees ) to inform them that those two payments should be applied to our XX/XX/XXXX loan payments. They did not process the payments as I instructed them to do so now XXXX wanted me to pay them {$1400.00} more plus late fees. I do not have that much funds to pay them since I already paid them the full month. I am under XXXX right now and we are trying to pay all our bills on time. Their loan care specialist by the name of XXXX is even rude and so is their supervisor by the name of XXXX XXXX who supposed to help customers not put them in trouble. I asked for their superior who could make decisions and they refused to give their names to me. I could have sent them e-mails but I have no where to go but to file it to your website.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-19
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a tenant that was evicted long story but back rent was ordered to be paid. Left in my mail box was check for XXXX Dollars in the tenants name but endorsed over to me. I was unsure if the check was real. on Wendsday XX/XX/XXXX I went to US Bank XXXX XXXX XXXX XXXX XXXX XXXX for help with this. The teller took a copy of the check and said they would get back to me, they bank never did. I deposited the check in the ATM it was returned. I called customer service who told me to contact branch manager. It took 3 calls ... my calls were never returned in reasonable time finally I called a third time getting a women bank manager.. I did forget to write her name but this was Friday XX/XX/XXXX at XXXX. She told me SHE would not take a third party check. I explained I had no way of contacting my ex tenents but the check was endorsed to me. She was very aloof and did not really seem interested in helping me. I do understand you have to have policies and rules but as my Bank for well over 25 years I feel you should be able to work with your customers and at times make exceptions if you value and want to keep customers or mabe as a huge Bank you do n't care. So I am a single mom XXXX to me is a lot I have no way of cashing this and MY BANK is not willing to help.I feel also that bank manager could use some sensitivity training as stated very aloof and not in my bank ... really her bank? I want the name of a person above her..I am sure it will not help but I strongly feel I should get help with this. Again I do get the policy but lets see if you can work with your long term ... 25 year customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Collection Accounts identified as ( XXXX XXXX ) on my Experian Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Experian to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Experian needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.

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 2016-06-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase bank withdrew {$1800.00} on XXXX/XXXX/2016 without permission and has been giving me the run around in regards to getting it back to me. The issue stems from a cashier 's check that was drawn on my account and subsequently returned ; however, since they decided to just take the money back out, I am now stranded XXXX miles away from my home, with an overdrawn bank account and bills that need to be paid. They have no legal right to my money and they have no cause to act so slowly. It must be noted that the employees at the branch were extra helpful and went above and beyond in assisting me with this issue, but still could not get it resolved. They were told that I had to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I have a direct withdrawal set up for my credit card payments. The bank did not take out XXXX payments ( which I had accounted for ). They claim they sent me mail to let me know that I needed to renew my agreement, which XXXX employees of Chase verified were returned to them, as they have the wrong address for me ( a computer glitch that lists an apartment number incorrectly, WHICH I HAVE CALLED TO CORRECT BEFORE! ). However, when forwarded to XXXX XXXX, Supervisor of Customer Services for Credit Cards @ Chase Bank in XXXX XXXX, TX, he claimed he could see the returned mail, but he would not count it as the date of return was not logged in on the computer on his end, so the missed payments would continue to be reported. This was CLEARLY a mistake on their end, and has been verified by XXXX of their employees, including XXXX ( Emp. I.D . # XXXX ), but he simply refused to correct it on their end, and refused to allow me to speak with anyone above him who could correct it. This error on their part has caused my credit rating to drop more than XXXX points in less than a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01
Company: First National Collection Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which XXXX have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: First National Collection Bureau, Inc.
State: VA
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:
My husband is in the military and I am a spouse that has followed my husband XXXX for the last 10 years. I have sent proof that this account is not mine since I was living XXXX during that period of time but they ignored the letter. This account although was not mine I still payed it because it was hurting my credit. I never received a notice just until XXXX of this past year and I went online and payed for the account. The person used my hotmail account to open this account. I have sent copies of documents and even an affidavit from the XXXX we are posted on and still there is no resolution. I do not know what else to do solve this problem since I still live XXXX with my spouse serving our country. This has been an ongoing issue since 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a short sale in 2010 I am trying to buy a house and I can not get US bank to get all three credit bureaus to say it was a short sale my loan office telling me in XXXX XXXX it is saying a pre-foreclosures I can not get a XXXX approval that is what she is saying XXXX I have contracted US bank sent faxes had many question been on conference calls over the last month about this I just want they told me they can not do nothing about it they only keep there records for 2 years, I just need help to solved this please I have the cash sale deed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
At beginning of XX/XX/2022, I requested of Wells Fargo consumer banking to transfer full value of XXXX XXXX balance to XXXX XXXX in XXXX NJ, XXXX. After initial creation of the check and written request by XXXXXXXX XXXX  for the XXXX processing request, XXXX XXXX still did not receive requested funds in almost one month time.

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 2015-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed this item with Experian and they have refused to investigate this information as XXXX did and removed this information from their reports previously. This information is damaging in that it is incorrect and I have proof and have provided proof to Experian that this reporting is in violations of FDRA. Yet Experian refuses to conduct a fair and through investigation. 

For your review, I have provided a screen print copy of this particular Student Loan XXXX XXXX XXXX Database for Students. In that it shows that XXXX XXXX Reported to The XXXX Financial Student Aid that this loan was in DEFERMENT as of XXXX XXXX, XXXX through XXXX XXXX, XXXX and therefore Experian is UNFAIRLY and FALSELY reporting that I have disputed more than once with them. I am being reported as past due for the following months of XXXX XXXX, XXXX XXXX & 90 days past due XXXX XXXX when my loan was not in repayment status for that time. 

Additionally, Experian has no history of reporting for 30 days past due, 60 days past due BUT just XXXX reporting of 90 days past due in XXXX XXXX. Additionally, provided for your review is a single page printout of all XXXX XXXX as of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This report shows that XXXX has no negative reporting of XXXX past due- Only Experian was reporting this negative information on the same account. However, in XXXX XXXX Experian updated both XXXX with this damaging and falsely reported information. 

Experian, with negligence, has violated the FCRA as well as other Federal, State and Local consumer protections laws in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My husband and I wrote a letter to Trans Union on XXXX XXXX, asking them to investigate errors on our credit report. Nearly two months have passed, and we have yet to hear back from them. We do n't know whey they are taking so long to respond to our request.

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 2022-10-20
Company: Affirm Holdings, Inc
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
in XXXX i received an alert via e mail that the company Affirm inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX the alert message said that Affirm had just approved a loan for me in the amount in excess of sum {$4000.00} + dollars, i immediately contacted AFFIRM AND ADVISED THEM WITHIN MINUTES that i did not request this loan. 
i was advised by Affirm i would have to contact the party receiving the loan to get the money refunded i explained i did not request it and i should not have to ask the party to refund something i did not do they replied i had to do it that it would be the only way to resolve the dispute i got the information from Affirm as to who the party was after several calls and threatening legal action the party agreed to refund the money back to Affirm the party did refund the amount but Affirm is still holding me liable for XXXX of the loan i did not apply for Affirm has since posted to the credit agencies that i opened a new account with them and that i owe them this amount i have called repeatedly and talked to supervisors and got nowhere i ask you please to help me resolve this this is a bad company doing bad business this company uses your telephone number as a way to authorize a loan in your name the company phone number is XXXX thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
State: NY
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 have already filed a complaint for this : XXXX, but nothing was done. 
This would be my second attempt since nothing was solved with my first attempt - i just got a computer generated response that did not address my needs. 
No matter how many times I fax or mail Experian the documents needed to unfreeze my credit report they still do not do it. I have not been able to refinance or open a credit card for this reason since XXXX of 2020. I assure you I follow their instructions and send in all the required paperwork and still my credit is frozen. Given that I have been trying for several months now, I want Experian to call me and help me fix this.

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 2021-01-09
Company: Klarna AB
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied twice for Klarna since XXXX and XXXX but have been denied pre qualification according to them I have less than 12 months of revolving bank cards which is false. 
I have 1 year 2 months on one card, 3 months on another and a month on the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my house XXXX XX/XX/2020. I have not received my escrow check in the amount of XXXX dollars. I was told that two checks was mailed out to me, however I have not received any of the checks but I have received correspondence from freedom mortgage. I have received mail at my address from this company several times yet every time a check is mailed it never gets to me. I have spoken with nine different employees to include three managers supervisors at this company.It has been 75 days and I have not received my escrow refund from selling my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They continue to call my work after I asked them not to. They are rude and said it was a claim against my social security #. Then the next day it was a recording with my name on it. And today they spoke to someone at my work asking for verification of my employment and the fax #. Then they said they will send someone over there to hand deliver. I already spoke to them and told them I do n't have {$9800.00} to pay them and to send anything to my home address.

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 2022-10-20
Company: Albert Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Albert bank. They have a program to automatically withdraw funds from my normal bank account ( XXXX XXXX XXXX ) and set it aside in savings. I had to wait over a week to even be able to access the full amount of funds they withdrew from my account, their FAQ tells me this os due to the amount of time it took to make the external transfer, although my bank account certainly had had the funds removed the day the transaction was initiated. When I finally saw they had completed their end of things and that I had the funds there in my Albert savings account, I went to withdraw the money ( {$310.00} ) and the best option was to have it put onto my Albert checking account card. After withdrawing the money, both the checking account and savings account showed a {$0.00} despite saying that it would be instant in my checking account. This was yesterday. I have not been able to get a hold of anyone, as they do not offer live customer support agents to speak with. Additionally, on the phone number they offer you to call and get customer support instructions, the instructions are not accurate. There is no option that they have described on the app. They have stolen over {$300.00} from me, and have given me no form of recourse or path of resolution for this. I need that money now. I want this company to be penalized to the highest extent possible and I obviously want my money back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past two years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to Experian but Experian has failed. Experian has refused to even dispute this account. and exprian could carelss if the wrong information is correct or not. 
information is correct or incorrect.

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