BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-28
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discovered I had XXXX bills on my credit report. Suspiciously, both for exactly the same amount, XXXX. The company listed was E.R.C., so of course that meant nothing to me. Through diligent efforts, I found the bill was from sprint, which I had no bill sent to me, since the final bill about 5 years ago.

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 2016-01-06
Company: ERC
State: TN
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:
I received a letter from this company demanding payment for a debt that is not mine. This is the XXXX debt collector that has sent me a demand for payment concerning this alleged account

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, Transunion, and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on TU and XXXX. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and Transunion inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.

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 2017-09-08
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:
Equifax leaked my personal information including my DOB, SSN, DL number, and current address. This information is now public record due to their recent data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: JFQ Lending, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I received a solicitation letter from a company called JFQ Lending saying that my current mortgage is eligible for removal of an adverse market fee. It appeared legitimate and advised me to Please keep a copy of this notice for your records. When I called their XXXX XXXX XXXX number to get the fee removed they started an aggressive process of trying to get me to refinance my loan with a new lender which would result in little tangible benefit to me. They did not, in fact, have any ability to remove the adverse market fee from my current loan. This was deceptive, predatory, misleading, and overall a lie. Thankfully i understood the bait and switch they were pulling and knew better than to move forward but had i not i would have been lured into a product i did not need. I hope JFC will consider adjusting its advertising practices to be less deceptive and stop claiming to be able to remove any fees on my current mortgage. Ive attached a copy of the Notice ( in reality, false advertisement ) so you can see. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: ERC
State: NJ
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:
Enhanced Recovery Company, LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

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 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-10-14
Company: ALLY FINANCIAL INC.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have paid 2 payments strictly towards principle on my auto loan and have been charged finance charges on both of them. I talked to 4 different people about it 2 before paying and 2 since paying. The first 2 assured me that it would be put towards principle and there was no charge for that. Then when I saw the finance charges I called back and they gladly fixed it. But I just looked at my account again this week and they have reversed the adjustment that they made ( no-one even contacted me to tell me this ) and now I have called back and the lady told me that I have to pay the {$10.00} fee on my XXXX payment and the {$26.00} fee on my {$76.00} payment. She told me that the calculate their finance charges everyday and that was why my fee was so high on the {$76.00} but I would never had made a payment if anywhere I was told that 30 % of it was going towards a fee. The lady I spoke with was not going to make an adjustment and could n't really even explain why I had paid so much in fees and why I had paid them period since they had fixed it at one point. I have made every other payment as scheduled in full every month

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 2022-05-26
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The Issue : On XX/XX/2022, I just made a purchase in XXXX XXXX XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX at which a notification from Chime alerted me on XX/XX/2022, at XXXX, asking me if I was trying to use my card at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I responded No ( see attached photo ) because I clearly just used my card for a purchase in XXXX XXXX XXXX prior to this fraudulent attempt. Then on XX/XX/2022, at XXXX pm, I received a notification from Chime that a successful ATM withdrawal was made for {$400.00} at XXXX XXXX XXXX XXXX, XXXX XXXX California which I did not make. Immediately after, there were two more fraudulent withdrawal attempts for {$400.00} and another for {$100.00} that was successfully blocked. I would also like to note that this fraudulent withdrawal was made when I had full possession of my debit card with me at my home in XXXX XXXX. I have also been a loyal Chime member for over XXXX years and have never used an ATM on XXXX XXXX XXXX once. 

I called Chime to immediately report the fraudulent {$400.00} withdrawal on XX/XX/2022, and they disputed the claim and stated that they have " concluded that there is no error ''. I called Chime immediately after this determination and appealed the claim. I provided them with screen shots, time stamps, etc. and they once again " concluded that there is no error '', and this was " investigation '' was determined in a matter of hours. 
I called again this morning XX/XX/2022 at XXXX and spoke with the Chime manager XXXX XXXX and requested the documentations that states how these decisions were made and he was of no help to further settle this issue. When asking XXXX if he can please read the e-mail statement that included proof about my claim, he lied and said that he did not have access at the moment, until I threatened him that I was going to contact legal authorities, he then was able to access and read my statement to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Let me start off by saying that I had a PERFECT PAYMENT record on my mortgage for over ten years with XXXX and XXXX. Before the nightmare of disservice from LoanCare hit my financial life I had no issues. For whatever reason, LoanCare took over the mortgage servicing from XXXX. For years I was on an automatic payment with everyone else. My mortgage payment is XXXX dollars. Yes that is not a misprint. And when I tried to set up automatic payments with LoanCare, for what ever reason, the system will not accept an automatic payment. They will, however, try to bill me XXXX dollar late fees when I call in to make a manual payment. Three separate times I have tried to set up automatic payments. And three separate times it has rejected my bank info. I have had to deal with their call center people in clearing up the late payment fee. And, THREE SEPARATE TIMES, I have asked the agents to look into the issues that THEY have created on my credit report. And, amazingly it never gets cleared up. I am asking your assistance on this matter. I honestly tried to work with these people and they have no follow up skills nor a care in the world about my credit rating. Furthermore, I have been receiving payoff statements since they took over the loan. I suspect that they do not want to service such a small loan. Which is why they have given me the cold shoulder on resolutions. Thank you in advance, 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 explanation
Consumer complaint received 2016-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have requested proof of how the following accounts were verified : 1. XXXX XXXX XXXX.-Account # : XXXX 2. XXXX XXXX # : XXXX ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried numerous times at least over 50 calls made and multiple escalation tickets since XX/XX/2020 I annoy pull my experian report. I can not get approved for a mortgage because they can not pull my report. I have tried other companies and come up with a no hit error. Experian tells me nothing is wrong. My information is not correct. I have disputed it many times. I was told last Friday my address wasnt on my report so the rep added it and I would be ok. I still can not pull my 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 explanation
Consumer complaint received 2022-05-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 applied for a mortgage loan. I was told my score did not qualify. I challenge the creditors and was told I had to deal with the credit bureaus. I had to have a certain score!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made several requests to Enhanced Recovery Company to validate the account in there office. I never received any notification that Enhanced Recovery Company had the authority to enforce a claim upon me. No proof of Claim whatsoever. Enhanced Recovery Company claim does n't meet the standard of the state of OHIO XXXX XXXX This would include affidavits since said records or documents upon which their office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows Enhanced recovery or any third party law firms and collection agencies are in accordance with the XXXX. XXXX OHIO XXXX XXXX XXXX Taking assignment of debt : XXXX XXXX XXXX XXXX No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. 
( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. 
( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

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 2022-05-26
Company: Fidelity National Financial, Inc
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I closed on a cash our refinance of our primary home on XX/XX/2022 with Fidelity National Title for a cash out amount of just over XXXX. At the time of closing we were told that we had a 3 day right to rescind because this is our primary home and the home was paid off so the funding date would be XX/XX/2022. The title company told me that the transaction was to be completed in full on the XXXX  but that did not happen. I contacted the title company today XX/XX/2022 to get an update on where the fund were and the receptionist I spoke with told me that he could see a request had been made but there was no confirmation. He called me back an hour later and told me that they now had confirmation and the funds should be available later today. I have worked in the financial industry for some time and know how the process works with funding of mortgages and the process was not followed in this instance as the XXXX cut off was missed, an extension was not granted or completed in allotted time, and I was not alerted to any issues that had come up. I know there are many companies in the industry that toe the line to ensure profits are as high as possible but had I not reached out to them there is no telling how long they may have taken to process the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: ERC
State: WA
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:
This collection agency has consistently & repeatedly, numerous times over numerous accounts, reported erroneously information ( Known in the industry as " skip / trace '' errors ) which in some manner they have mistakenly attached to me as the account owner and debtor. This erroneous data has been reported to all three of the major credit reporting bureaus : XXXX, XXXX & XXXX beginning XXXX XXXX - XXXX XXXX on XXXX separate accounts ( Reference # XXXX - {$1000.00} / # XXXX - {$350.00} / # XXXX - {$130.00} ) all associated with XXXX, a cell phone provider I have never had an account relationship with. 

Enhanced Recovery Collections of XXXX, Florida has been contacted in each instance, yet continued to make the same error on new accounts. In all cases my SSI # was not initially associated with the account, the XXXX accounts records contained faulty street addresses in states I have never lived and in a number of cases not even my legal name was on the account. ERC is making these record alterations - additions ( Skip / trace errors ) themselves, but blames other organizations ( XXXX - XXXX ) as the responsible party. Regardless they are the one 's reporting the data in error to the credit bureaus. They are aware of the problem and failed to fix it. 

This agency seems to utilize its credit bureau reporting capability in a " predatory fashion '' in order to pressure and collect from anyone they have erroneously associated with an account in default.

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 2016-10-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
my dad is XXXX years old. He had an XXXX account and this company during that time continue adding services he did not need and could not use. I tried talking with them and the people in the customer service i in other countries continued to tell me they were taking care of it, but to no avail. My dad has perfect credit and has always paid his bills, but i refuse to allow him to pay a {$500.00} cable bill. I feel they have taken advantage of this Senior cItizen.

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 2016-08-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
While applying for a mortgage with Wells Fargo we had a home appraisal done the appraisal went through but we did not fund the loan with Wells Fargo we chose to go with a different lender one that lender contacted Wells Fargo to obtain a copy of the home appraisal they refused to give out the appraisal invoice and the XXXX report they said was never generated and at the XXXX documents were internal documents and they would not provide him without the XXXX documents the appraisal invoice and the XXXX report we are unable to use the home appraisal that we paid for Wells Fargo advise us that they would not provide that information that they did not have to share the information even though I paid for the appraisal that they were unable to give it out that it was an internal document and if I had a grievance with it I could take them to court to recover the costs they did provide a copy of the appraisal after repeated inquiries by myself and the new mortgage company and multiple attempts to send out partial information to drag their feet in attempt to lapse the time so that the appraisal would not be able to be used by the new company causing me to pay for another appraisal when asked for a copy of the invoice I was advised that they would not provide it my credit card company only shows a charge to Wells Fargo in the amount of the appraisal no other information was provided when I called and asked Wells Fargo for a copy detailing exactly what was paid for the amounts and dates for tax purposes they refused to give this information stating that it was an internal document and they would not provide it I advised him that I felt that I paid for this information it involves me directly and that I should be entitled to receive this information I was also advised by my mortgage company that they do provide the information willfully to other lenders when asking Wells Fargo about this information they stated that they choose not to participate in this and that all of their information is held private they would not provide it and they do not have to provide any of that 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 explanation
Consumer complaint received 2022-08-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive always received emails from XXXX XXXX but thought they were spam emails until one day I received an email from a debt collector stating that I owe to {$6000.00} which didnt make sense. I reached out thinking it was scam and to clarify that it was. Upon calling I found out it was true and that someone had definitely stolen my identity.

Company response to consumer: Closed with explanation