BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-10
Company: HW Holding, Inc
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: Information belongs to someone else

Complaint:
On XX/XX/2016 Hunter Warfield Inc add a derogatory mark on my credit report per XX/XX/XXXX. upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. also, there was No written form communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anyone can send a bill and say its mines. according to the FCRA, Hunter Warfield Inc has violated my rights as a consumer and im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill in which the first invoices were not received via mail, I paid subsequent invoice off in full directly to medical vendor after receiving subsequent bill. Later on I notice a collection debt from Grant mercantile agency on my credit reports for collection. I have tried to dispute this, it lingers on my credit reports for something I do not know of or owe, should n't have to pay and need help to get this removed as they are refusing to remove a XXXX dollar derogatory charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
If the CONSUMER Financial Protection Bureau wants to protect my financials you will please help me with the following request. I bought a house 5 years ago. The taxes and insurance and everything or course keep going up. I bought the house for XXXX, and got a mortgage for XXXX. Today, with perfect payment history, I owe around XXXX. I have a ridiculous amount in PMI. If you are protecting my finances, then I need help removing this unnecessary expense from my mortgage payment. I know the lender can simply adjust my payment and take it off, it 's not difficult. Here is why it 's not necessary : My understanding is that PMI protects the lender? First off, why do I have to pay for their risk? No other business on earth makes you HAVE to pay their insurance to avoid their risk. There is zero risk with my mortgage. If I do not pay the bank will make money, as there is NO RISK with my mortgage, as I have over {$120000.00} of equity. Comparables in my neighborhood are selling for over {$300000.00}, I owe {$170000.00}. With that said there is absolutely NO RISK so there is absolutely NO REASON for my to be financially harmed every single month. With perfect payment history and {$120000.00} in equity, and in XXXX XXXX XXXX, XXXX of the best real estate markets in the country, this PMI payment is erroneous. Please help me from being financially harmed each month from risk that is n't risk, but merely the opposite of risk. If I do n't pay my mortgage, there is no protection needed from the bank 's part, as my house has {$120000.00}, ample equity to ever put risk on the lender. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: ONE REVERSE MORTGAGE, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I originally was going to complete a reverse mortgage on my property but after it was appraised the numbers and information that was disclosed to me wee changed due to the where the value came in opposed to what was assumed by the lender.

ONEREVERSE Mortgage a XXXX XXXX company advised me they would reduce my appraisal cost to {$99.00}. When I realized what was being offered regarding the reverse mortgage and that it would not be in my best interest I decided to shop around for a cash out refinance which worked more favorably for me so when time to transfer the FHA CASE NUMBER XXXX was requested from the new lender, the case number was transferred but not the appraisal that was to be attached. 

I spoke with Onereverse and was advised that the {$99.00} would not be Honored because I went elsewhere and that I would need to pay {$650.00} minus the {$99.00} but somehow was emailed a total of {$550.00}. When I called to pay the {$550.00} they attempted to get me to pay {$650.00} even with evidence of the amount I was quoted. 

I believe there Is something going on with this bank where they are defrauding elderly people like myself and trying to get money out of them. The price I should be paying for this appraisal is the {$99.00} and not be penalized because I chose to go to another lender who had a better program within my best interest. These are FHA mortgages so banks can't make up their own rules as they go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: PA
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 have attempted to remove the incorrect address from my credit report so that my report only reflects my correct information.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The only name I should have on my CRA report is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have asked the credit bureaus respectfully, to fully investigate these accounts that do not belong to me. They have not been through with their alleged investigations and keep letting these accounts falsely report to 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 2016-05-11
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked South West Credit Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed
Consumer complaint received 2021-01-10
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I have a problem with Western Union. in XXXX/XXXX/2020 i transferred {$2000.00} to XXXX using my account in Western Union, and i Paid fees {$27.00} more than the regular fees that anyone would pay if transfer same amount to same country using same method which is {$7.00} fees to pay using Bank account. 

I called the customer service of Western Union to demand a reimbursement to the overpaid {$20.00}, but they refused. This is a scam, and not fair if one member would pay fees {$7.00} and another would pay {$27.00} under same circumstances. 

For more details : the transaction that had an issue is Tracking # ( XXXX ) : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked the company for verification of the debt, but the documents they sent have my FATHER 'S name on it. XXXX XXXX is my father. I am XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
my student loan is with navient. i agreed to a forbarence and made a payment and it was suppose to get me caught bqck up. well they didnt take the monwy out of the account at first and i called them and thwy said it was just taking some time to process bc of the holidays. i called two more times. they said thwy got it. it even says payment received on my account and that i didnt need to make another payment till XXXX then they changed thwir mind and i needed to make a payment for a bunch of late fees. then they changed their mind again and said i owe XXXX and hundreds of dollars now and the XXXX payment. i have issues with repaying my loan and dealing with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. XXXX  HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR XXXX XXXX XXXX 

CREDIT COLLECTION SERVICES UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT AND UNLAWFUL. 

ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL. 

XXXX  IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES. 

IN ADDITION, SECTION 1681C ( A ) ( 5 ) REGULATES HOW LONG INFORMATION CAN REMAIN ON A CREDIT REPORT, BUT NO 1681C PROVISION REGULATES WHEN INFORMATION CAN INITIALLY BE INCLUDED IN A CREDIT REPORT. 

PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED AND PLEASE INVESTIGATE FOR WIDESPREAD ABUSE. 

THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
while checking my most recent credit report i noticed a a credit company i dont recognize on my report. i never signed a contract with them in person or electronically nor any of there affiliates. can they please show proof where i signed any contract with them

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 2016-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Called the banking center to inquire about the cut off time for a mobile deposit I made. Seems I was late by 20 min. I was denied a reversal for a overdraft fee of {$35.00}. The representative could not tell me when my mobile deposit was made and she was unsure of the posting time. I asked to speak with a supervisor ( XXXX from XXXX VA ) who was rude and short with me. I asked him to listen in on the phone call with the representative I spoke to earlier and he said he was too busy at the moment to do so. 
I 'm being charged a fee and have no real understanding of the cut off and posting times for mobile deposits as to ensure it does not happen again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Capital Accounts, LLC
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:
I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XX/XX/2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are Capital Accounts LLC, XXXX XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Was not notified of investigation status or results

Complaint:
Capitol One has not contacted me to address their obligation to the costs I was forced to pay, the financial damages, the postponement of a remodel project that will result in a 50 % increase in materials and labor and financial freeze I was forced into to fight this malicious attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: OR
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/2022 I received a text that identified as Chase bank that asked if I had made a transaction in a XXXX XXXX  in Texas and to reply YES or NO. I replied no and the next text said a Fraud alert specialist would call. The phone rang and caller ID also said Chase bank. The man said that XXXX people were trying to make transactions in different amounts through XXXX out of our Chase account. He asked if I knew them and I replied no. He said that if I would open the application he would help me reverse these transactions and our money would be returned in XXXX hours. On XX/XX/XXXX, he called as promised and I told him I was concerned about the amount of money taken out, {$4500.00}. He reassured me and kept going, he had me so scared as I'm on XXXX  and XXXX, he even gave his name and employee ID number. During my call my husband contacted Chase who told him not to worry about it that this is how it is done. Over 24 hours all this money was removed. Chase bank refunded the money to our account and 10 days later took back saying that I had done this knowingly and their research dept determined it was my fault. I'm XXXX and that was all the funds we had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am using Bank of America online bill-pay to send bank-issued checks to payees. When setting up a payment I can choose the " deliver by '' date. In the past the checks would always reach the payee by the " deliver by '' date ( or sometimes even earlier ). However for the past year ( or so ) the checks NEVER arrive by the " deliver by '' date but they reach the payee 1-2 business days after that date. I contacted BofA customer service on XXXX different occasions and they claimed that " everything is normal '' from their end and that the checks may be " delayed by the post office ''. Unfortunately the envelopes are not postmarked so there is no way to know when the checks are actually mailed. However ( 1 ) the BofA checks are always & consistently late by 1-2 business days ( 2 ) the checks are similarly delayed for XXXX-XXXX different payees I am in contact with and ( 3 ) all other mail seems to arrive within 1 or 2 business days from the postmark date. All these point to the conclusion that the delay is with the bank and not with the post office. It also seems that the bank misrepresents the free bill-pay service providing a " deliver by '' date that is never met, presumably as an indirect way to promote other paid-for alternatives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ARS National Services was paid for Us by XXXX XXXX XXXX. 
They claimed they have not been paid the last payment but they were on XX/XX/2020. 
We faxed them all the information they said they needed. I want to say in XXXX of last year but they are reporting every month that we are a late pay again. This is hurting our credit. We have already contacted them though XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: CA
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 XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, U S DEPT OF EDXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Actt XXXX 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 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 explanation
Consumer complaint received 2016-08-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that US Department of Education reported a late payment regarding my account XXXX I am requesting that this late payment be assessed for accuracy. 
I believe this reporting is incorrect because I 've received payment summary for the last 5 years enclosed. I have included the documentation to prove that I made payments during this time / that my loans were in forbearance/deferment and did n't require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank You. XXXX XXXX Loan Account # XXXX Loan Account # XXXX Correspondence Address Sallie Mae XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: JPMORGAN CHASE & CO.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Saw a house to rent on XXXX. Set up an appointment to view the home at XXXX XXXX XXXX, XXXX, OH XXXX on Friday morning XXXX. He let us in remotely, stating he was out of town. We agreed to lease the house, he sent us lease, which we reviewed, made a few changes - paid deposit of {$800.00}. After changes were made, the lease was signed and we sent the first month rent Friday evening. XXXX XXXX said we would be able to move in on Saturday, the XXXX. The house is empty. On Saturday morning, we noticed the property was listed on XXXX for {$1600.00} through XXXX XXXX, we contacted them and they stated that the house was still available. They were shocked that we had been able to enter and view the property, but said we had been scammed. He is telling us that his locksmith was going to change the lock, but he was unavailable. He suggested that we have our own contractor go and change the lock. He still thinks we are moving in on Monday, the XXXX. 
He currently has my social security number, address, driver 's license and place of employment that he took from the lease application. Tried talking to my bank, but they have not helped.

Company response to consumer: Closed with explanation