BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-23
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have several issues on my credit report I am trying to get removed. I have XXXX alleged debts that have been reported on my credit report for about XXXX years. Both of these debts are debts I did not make, do not owe, and want off my credit report. The problem is, how do you show proof that you do n't owe a debt. I do n't have documents that say debt X is XXXX I did not make on XXXX XXXX, 2010. XXXX of these alleged debts is from a cell carrier. I paid and closed the account. About XXXX months later I received a bill for XXXX months of service after I had paid and closed the account. Another is from my previous auto insurance. They paid me on an insurance claim and then some months later sent me a bill and claimed they paid me a XXXX and change too much and were demanding payment or they would send me to a collection. I do n't owe them anything. They paid me what was owed. I 've attempted to dispute both of these with Experian and they refuse due to it being a " frivolous '' dispute. I have to send them supporting documentation stating I did not make these debts or they do n't belong to me before they will consider proceeding with a dispute. I 'm puzzled as to what to do at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: Hatfield Portfolio Group LLC.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a phone call from ( XXXX ) XXXX and was told I owe money from an old creditor that I have not heard from in over 2 years and believe to be paid off. The person I spoke to did not seem very knowledgeable and there was a lot of loud noises in the background which made me suspicious. I have also had collection calls in the past and so I know from experience the person calling usually clarifies they are from a debt collection agency ; this was also not the case, which makes me suspious. This debt has not affected my credit score, and does not show up as a collections account. This person also did not ask me to verify any of my personal information like date of birth before giving me amounts due or other info. I have tried looking them up and do find a website but also the phone numbers and address information are different than what they are telling me. I do n't know if I should pay them or not? I have seen posts related to my original credit card company, XXXX, linked to scams online in the past. 
This company also has very old information for me including my maiden name from over 6 years ago and an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter in the mail from the current holder of my home mortgage which is Chase Bank. In the letter it showed my current rate of 3.375 and on the top of the letter it said " You could lower your rate to 2.641 '' My thought was that I could potentially lower my mortgage payments so I was wondering how much it would save me. Apparently when I asked them how much it could save me there was a hard inquire done by them on my credit report and I know this because I received an email from XXXX saying that a request had been made. 

Nowhere on the piece of mail they had sent me ( which I never requested ) did it state that they would pull a credit report on me by simply asking a question which they initiated and in doing so this hard inquiry would effect my credit rating. 

They sent me this information which I never requested. It was proactive by them not me. Had I known that this call would have an impact on my credit rating I never would asked them to pursue looking into how much it would save me. 

This information should be made clearly to the customer in the original piece of mail they had sent me that they would be doing a hard inquiry and that inquiry would impact my credit rating. 

I see this as an unfair move on their part which may impact me negatively with the credit bureaus going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.

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 2022-04-09
Company: AmeriHome Mortgage Company, LLC
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: Investigation took more than 30 days

Complaint:
Amerihome Mortgage Company reported 5 months of over 30 days late payment and that was not true. I was in forbearance for exactly XXXX year and i was assured time and time again that forbearance would not reported as late payments. I was never ever late on a payment before or after the forbearance. Yet they have destroyed my credit by their erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was recently going through my bank statements after a charge was denied and I knew I should have had the funds in my account. After finding out that I had a fraudelent charge on my account I started going through my past statements and I discovered that over {$7000.00} Had been stolen. I filed a claim and waited on a response. My claim was denied because they say my actual card was used in the withdrawals that took place. How can this happen? I know no one ever had my card in their possession. And it had charges from a casino and other states I have never been too. I want my money back asap.

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 2015-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a laptop from XXXX XXXXXXXX through affirm. The laptop arrived way too late and I contacted the company to allow return. After fighting with them over a year the laptop was returned but affirm is still trying to collect this and committing fraud trying to collect an account no longer owed. They also reported to my credit Bereau I was late but I dont owe this anymore its been sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my credit report I contacted them to delete the information. The accounts are not mine and inaccurate im submitting a copy of the letter I sent to 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 2018-06-12
Company: Compass Recovery Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX with a company called Compass Group has been calling my family members, friends and landlord trying to collect a debt I have already arranged with a consolidating company to resolve. I have told him multiple times to stop calling but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my credit report I contacted them to delete the information. The accounts are not mine and inaccurate im submitting a copy of the letter I sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I would like to notify you of an issue with my private student loan that was dispersed to attend a school previously called the XXXX XXXX XXXX ( XXXX ). I have agreed to have my private student loan payment automatically paid from my bank account each month. The amount that is removed from my account each month ( according to my bank statements ) is approximately {$290.00}. However, when I receive my billing statements, the monthly amount due is approximately {$240.00}. I 've called Navient Solutions, Inc. to determine what the difference is between my billing statements and the amount being removed from my bank account. The customer service representatives at Navient have been unable to clearly explain to me why my amount due is around {$40.00} less than what they are taking from my bank account. This is highly deceptive, as I am not able to find any disclosure that shows me why I am paying about {$40.00} more than what the amount due on my billing statement shows. It is also unfair. Customer service at Navient is not able to explain this to me, and I am unable to avoid this additional fee. I am hoping the CFPB can look into this issue, and I am hoping Navient will refund the additional amount that is being taken from my bank account each month, as they never properly disclosed this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have multiple late payment reported in my report from Salle Mae and XXXX XXXX XXXX dating back XXXX through XXXX for my account. The reason for the late payments was that after graduating in XXXX I could n't find a job for a long time. Once I did I attempted to make the payments but it was never enough. My parents did n't want to let me live in their apartment and I was forced to move out and stay with a friend. I fell behind on my payments in order to pay for rent and food. It was very rough and I did n't know how to explain to my creditors at the time that I would need some sort of deferment while I was handling this issue. I did n't know a thing about how to manage my money then and I made the mistake in falling behind. It was n't until late XXXX that I 've manage to get back on my feet and had the ability to manage my money better. Since then I 've been working hard to keep my record clean. I 've been keeping up with payments and took responsibility for my actions. That being said, I still bear a black mark on my record which is prohibiting me finding a place to live. This is very concerning because I may find myself out on the street. I do n't keep in contact with any family member and I have no other choice but to try and get rid of this mark so that I may find a place to live. I would be extremely grateful if these marks could be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America did not complete my modification on the date as promised. XXXX of all, it took them almost a YEAR to complete it and then they closed it XXXX months later which impacted my Chapter XXXX filing, therefore showing us XXXX months past due. This was in XX/XX/XXXX. In addition to this, when our new mortgage company, XXXX XXXX, bought the loan from BOA in XX/XX/XXXX ; they showed us behind by XXXX years because BOA has n't been crediting our payments correctly!!! I ca n't get BOA to speak to me now to figure where my payments have went and I need to get this mess fixed!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: ERC
State: CA
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 did not owe the debt and it was disputed on my credit by XXXX. It is no longer owed but a different collector is requesting the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-16
Company: BSI Financial Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by XXXX XX/XX/2020 and again after I took the 2nd XXXX. 
I have requested mortgage assistance and forbearance with the mortgage servicer BSI Financial the mortgage servicer. I have been declined any type of assistance for several months. I was told my investor will not provide mortgage assistance or a forbearance for my mortgage. The correspondence I received stated I was offered mortgage assistance 2020 and I refused the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with USAA and 3 days ago I had my account frozen with no notice or explanation. I have called over a dozen times and waited on hold for a collective of XXXX hours. I have reached out to them on XXXX as well with no solution. I have thousands of dollars in these accounts and it is my main source of income. I have not been able to reach any solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This complaint is in regards to the Wells Fargo branch at XXXX XXXX XXXX in XXXX California. It alleges bad faith on the part of the banker who serviced me and his supervisors or manager and the Wells Fargo dispute department. It also alleges discrimination in violation of the equal credit opportunity act and extremely unprofessional conduct by that branch and possible age and racial discrimination. 

On XXXX XXXX 2016 I went to get {$750.00} out for rent. I told the banker to place XXXX hundred dollar bills in an envelope. When I got home, I learned the bank teller had shorted me XXXX dollars yet lied and wrote down he gave me XXXX he only gave XXXX. I filed a dispute. The bank did nothing but believe the corrupt and prejudice banker. I believe this is age discrimination because I 'm a XXXX and XXXX discrimination because this bank only hires XXXX and XXXX to work and the the bank and a majority of customers appear XXXX or XXXX, this complaint accuses the banker of shorting XXXX dollars out of malice and falsifying the account record to claim he gave the proper amount. The banker is prejudice he would never have treated a XXXX or XXXX and or young person this way, it seems dare a person not XXXX or XXXX use the branch at XXXX XXXX XXXX in XXXX, they are treated like a second class citizen, maybe even stold from, that branch operates more like a criminal organization than a bank branch and the Wells Fargo dispute has not resolved anything, they just try to cover up. They have cameras and should have seen his misconduct. He shorted me a XXXX dollar bill yet lied! This cost me XXXX dollars of money I needed. I have been a customer for more than 20 years but this bank hit me when I was down, they hire XXXX bankers at the XXXX XXXX XXXX branch, this is the first time I had problems here, I had previously ordered a bank card here and the order was never processed, I had to call customer service to get a bank card because the banker was prejudice and never ordered a replacement card at this bank. I would recommend customers who are XXXX and not XXXX or XXXX stay away from the XXXX XXXX XXXX branch in XXXX. Because the bank teller lied stole money from me and they sided with him I will probably have to take this to small claims court. This is the worst banking experience I ever had, wells Fargo let XXXX immigrants take over this branch. I hope they plan to give some XXXX 's jobs and fast food jobs to robots, well I suggest bank tellers be replaced by robot bank tellers because robot tellers would not act XXXX, show racial preference or act unprofessional and short the customer money and blame the customer.

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 2021-03-16
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Morning I recently opened an account at Schwab. Expierance horrible.One day after my card arrived my account got restricted. I was not notified by Schwab or even recieved a Email to explain why. Upon my own investigation i found that the account was restricted after numerous chats and calls and money spend on the phone trying to get through to get help. 
I finally managed to get through and was told its with verifications. Its been a few days and a few phone calls later. Still no luck. 

I am hoping someone out there can assist me in getting my money out of Schwab and closing all accounts/connections with them. Its an absolute pain to try and get hold of a representative. 

I hope that their management looks into the onboarding process of this bank and their processes. I am sure there are other unhappy clients out there. 

Hope to get some resolution. 
Case referance nr : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The account was closed XX/XX/2018 however, for the last few months transunion has been reporting this account as chargeoff which is bringing my score down every month. The bureaus have a duty to ensure that info is reporting accurately per fcra. If corrections arent made to payment history Im requesting deletion of account

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 2015-12-04
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a collections notice, with no info other than a doctor I 've never heard of named. No date of service, no anything. I spoke to XXXX who was extremely rude and said she ca n't give me any info, that I need to pay {$42.00}. I have paid ALL of my medical bills, and on time. She refused to give me any info on WHAT this bill is for unless they send me 'promise to pay ' letter which means Im then 'on the hook ' to pay this and agreeing to pay it by asking for info in writing?! Very concerning!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Alliant Capital Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls for the last XXXX years for a XXXX XXXX ( not me ) about a payday loan. I have asked - repeatedly- to remove my number from their data base, I have received threatening calls, harrassing calls - this is not nor has ever been my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that XXXX is still reporting the derogatory 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