BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: Williams, Alexander & Associates, Inc
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:
I filed a complaint with the Attorney General 's Office in New Jersey and the FCC because I currently go to XXXX and there is no way I am in collections with them. I spoke with the XXXX Manager in XXXX, NJ about this and said that it was an error. His name is XXXX XXXX, phone number ( XXXX ) XXXX. You can contact him and he will let you know that this should not be in collections or on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Credit Control Company, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company in question is located in XXXX XXXX arkansas and the the company is Credit Control!! I have given them many times to sent me the right to dispute letter but they have failed!! d They have tried several times to put this on my credit report and I have disputed and was removed but they continue to put this on my XXXX report!! I am tired of this and need a right to dispute letter by law!! I have lived in the same address and they know this XXXX XXXX XXXX XXXX XXXX XXXX arkansas XXXX! Please help resolve this thanks!! 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arkansas XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: PNC Bank N.A.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I talked to XXXX  ' ( fast talking XXXX that muffled her name ). We came to a agreement that I would pay {$190.00} ( my original balance for PNC ). Well on XX/XX/XXXX I paid the {$190.00}. I guess on the same I was sent a letter stating that the agreement was cancelled because I didn't send in the {$190.00}. But it seems that I was only giving a few days to do so. Now I wasn't giving a " date '' or timeline. Infact in most cases, The agreed settlement is permanent ( unless passed over to another collection agency ) so to get a letter sent on the same day I paid the amount ( XX/XX/XXXX ) I cant trust it at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collection agency received a debt from my college that was supposed to be paid by financial aid. I called this morning. Without verifying my information ( other than my name ), the collector gave me the information, and then was very verbally abusive, rude, and even threatened to end the call. She refused to send me information stating that she would delete from my credit report even though she advised that she would over the phone. I advised her that she had been calling a number that was similar to my mothers number, but not hers. ( I have had the same number for 13 years ) she advised that I should have updated the information with the school. I tried to explain that I already had my degree and that I did n't know I needed to update the information. I never expressed a problem paying just wanted to have proof that what she said would happen would happen before I paid and that I had record since correspondence and calls were apparently going to the wrong place. She was very hostile. She refused to let me talk to someone else. she threatened to hang up in my face. She told me that she could email me if I paid when I asked for something while on the phone she started yelling at me for my address. I tried to redirect a few times to calm the call and she continued abusing me and threatening to hang up because I was not going to have it my way. I advised her that I was a bill collector and she advised me that I should know the fdcpa or something of that sort. Her name was XXXX and we spoke today at between XXXX and XXXX am today. I tried to explain that this was supposed to be paid by financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Updated information on CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Transunion, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Attached is the dispute letter along with my identification to verify my identity.

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 2017-05-23
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2020-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In late XX/XX/XXXX, BofA notified my wife and that no mortgage payments for XXXX or XXXX of that year were made. They were made by our bank and BofA did something with the funds that were never credited so with no notice to us, they foreclosed. 
We did not know this until mid XX/XX/XXXX when attorney 's began flooding our mailbox to represent us in foreclosure. 
To further disgust us, a third party investigator discovered that a XXXX law firm they hired to handle court proceedings, purposely changed the FHA loan into a conventional violating every rule possible. 
We were never notified by anyone on anything regarding the loan changes or transfers. 
There is a document uploaded for your review on 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 explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : Incorrect Address : XXXX, PR XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 


XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX Please review the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX Please run a full examination on this account name and number because it does n't look right and delete this account from my credit report. 

XXXX Please check out account name, number, type, terms and payment amount I do n't think it 's 100 % correct. Please remove this account for violating the Fair Credit Reporting Act. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX Under the FCRA, I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors.

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 2022-05-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX 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 XXXX 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 XXXXThis 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 XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: ROBINHOOD MARKETS INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/21 on Robinhood I sold XXXX of BTC and XXXX recievied email confirmation. Today XX/XX/21 an unauthorized Deposit of XXXX from my bank account to Robinhood was completed, I did not do this! Robinhood said they will lock my account while they investigate but the problem is my money will be locked there. Robinhood took out XXXX without permission and refuses to admit wrong or give it back with out freezing my account for undertermined amount of time while they " investigate '' this is unacceptable as they have cause me financial pain by approving an unauthorized deposit which has left me in negative standing with my bank. Robinhood is doing something wrong here, I have email confirmation and no records of a deposit. Please help and please end Robinhoods shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I moved into my home in XXXX of 2014. Since then I have been receiving statements for the previous occupants. I have been returning the statements through the mail with a line through the address and XXXX written on the front of the statement. When that failed to stop the flow of statements I called JPMorgan Chase 's customer support line. The customer support representative told me to bring the statements to a branch which I did. When I received additional statements I filed CFPB Case number : XXXX. I have received additional statements since filing the complaint so I am opening an additional complaint to cover the new statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: NJ
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  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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 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 2017-03-03
Company: Nelnet, Inc.
State: CA
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:
In XX/XX/XXXX I consolidated an old student loan and selected Nelnet to be my servicing company with 3.88 % interest rate. All these years I have been making payment towards that loan. In XX/XX/XXXX I applied for a new loan once I returned to school. I just recently graduated and noticed that the new loan had an interest rate of 6.87 % through direct loan. I attempted to look at the consolidation again. The web site stated that this is just to see what rates are available and not completing the process. When I saw that I 'm not going to get a lower interest rate, it is basically the combination of XXXX fix rate, I did n't pursue it further. I looked for an alternative way to pay off my loan with 6.87 % interest. On XX/XX/XXXX, I went to direct loan site to pay off my second loan, but I saw a XXXX balance. When I called I found out that the consolidation did take place. I looked for any type of warning or notification and the only thing I have is an email on XX/XX/XXXX that states my application is being processed and I can call a number to cancel. There are no dates or further steps for me. I called that number to cancel the consolidation and they have been telling me that I passed the deadline of XX/XX/XXXX. Since then I have been calling Netnet and stating that I want to pay off my XXXX loan and as far as my original loan through Nelnet, I want my original rate back, the 3.88 % that I have had since XX/XX/XXXX. Everyone is giving me a single answer of " we sent you a letter with a deadline ''. I do n't have a letter, not sure why, but did n't receive it. All I have from Nelnet is an email from XX/XX/XXXX that states I can call a number to cancel consolidation, but has not deadlines or any further instructions. Everyone is stating that I 'm stuck with a loan that is 1.62 % higher than I originally had. Who in the right mind would accept that? I have been mistreated, received rude and disrespectful responses. I spent over an hours in the evening of XX/XX/XXXX and over an hour on XX/XX/XXXX and have been working through social media with Nelnet and no one is hearing my case or concern. All I want is for someone to take the ownership and hear out my concern and get in contact with the right people in the company to activate back my old account and give me my old rate back. The process is really confusing and misleading. When I first applied it clearly stated that this does not mean the consolidation is completed. I wish I had taken a screenshot of that. I need someone to help me solve this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wish to deposit find from my bank account to XXXX  to be able to trade stocks online. PNC will not allow the transaction to go through. I am being restricted access to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: SECURITY FINANCE CORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

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 2020-06-09
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was out of a job from XX/XX/XXXX to XX/XX/XXXX. I missed several payments on my mortgage. As soon as I started working again, I sent partial payments and tried catching up. I decided to try a loan modification with Quicken Loans. I was approved for a modification, put on a payment plan where they said I would skip a month of payment then the plan starts. Find out 3 months after the start of the first modification that it failed. I contacted Quicken Loans, instead of looking into the issue, they put me on another loan modification, set up a payment plan that had me skip a month of payment, then the payment plan starts. Find out later the modification failed. Quicken states there is an issue with my deed. I explain that I refinanced my ex husband off the loan back in XXXX with Quicken Loans. The Account Resolution team says ok, I see that and then put me on yet ANOTHER modification. Same thing as above, this has now happened four times and I just found out that I am now on month 8 of FORECLOSURE??? I have never received a summons or anything saying I am in foreclosures. Quicken refuses to take a payment, and is demanding either a {$10000.00} payment outright or I lose my house. Apparently they were running a foreclosure on me at the same time forcing modifications that will never, ever work because of the errors they made at closing 4 years ago. I tried speaking with several " executives '' however, they are just bullies that deny all accountability. That is literally their job. I finally had to find out myself that Quicken Loans recorded not only the deed incorrectly with XXXX County but my mortgage was recorded incorrectly as well. So, technically I missed three months of payment back in early 2019, but because of all the loan modifications and Quicken forcing me to skip a month of payments ( that could have been made ) to set me up on a payment plan, now makes it look like I haven't been paying. Quicken will not answer me on how to fix the problem they created, their loan modification program is a complete scam and they will try to steal your home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to the emergency room as a private pay, non insured individual. on XX/XX/XXXX. The hospital and all associated services/personnel billed as such. All of a sudden in XX/XX/XXXX, amount of XXXX a derogatory collection shows up on my credit reports with NO PREVIOUS BILLING AT ALL. I do not know what the charge is for or how much it was to begin with. I contacted commonwealth finance systems and ask that they remove it from the credit bureaus as we work thru this and they ignored me and put me on a continual call roll .... my phone rings 20 times a day. Each time a different person calling from common wealth, instead of the XXXX individual I was told had my file, all correspondence was sent to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX. My XXXX score is XXXX. I strongly disagree with this score as it should have been more than 800. I have never been a defaulter & my all past records are good. I want clarification of having poor score.

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