BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: Experian Information Solutions 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:
XXXX XXXX XXXX has reported inaccurate information on my Experian credit report. 

Experian is in violation of FCRA rules section 1681 *Inaccurate, information includes, inaccurate date of last activity, misleading payment history, *Inaccurate or misleading outstanding balance *Wrong address and name of which credit was applied to, all violation of FCRA rules

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 2015-10-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After re-reviewing an account transaction document received from Bayview Loan Servicing LLC XX/XX/XXXX earlier today, I found a charge of $ XXXX from the servicer applied to my account in in XXXX XXXX for a FORCED PLACED homeowners insurance premium despite having full coverage at the time. Upon further review of the document listing transactions from XXXX XXXX - XXXX XXXX, there appears to be no reversal/credit of that charge. 

I own a condominium XXXX Massachusetts XXXX and the master policy at the time was in place from XXXX XXXX and ran through XXXX XXXX. The certificate was submitted to Bayview Loan Servicing LLC in XXXX XXXX within three weeks of being requested by them for proof of insurance. The premium however, was charged to my mortgage account two full months BEFORE receiving any notice and while the policy was in place and in good standing. Nor was I ever advised in writing or at any time during the phone conversation confirming receipt of the policy certificate of having a forced-placed policy or any charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance. 
Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: PNC Bank N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
PNC bank imposed an unfair ( if not illegal late fee ) against my PNC XXXX XXXX XXXX .The due date for my credit card is always the XXXX of the month so my most recent due dates have been XXXX, XXXX, and XXXX. I made an early payment 0n XXXX ( which PNC accepted as a payment toward the XXXX due date ). I did not get a late fee. I made a series of payments in XXXX that more than covered the XXXX payment ; in fact I made a payment on XXXX, very similar to what I did in XXXX. When I made a payment on XXXX ( after the XXXX duly date ), they did not not count it toward my XXXX payment. They applied a late fee which is basically penalizing me for pre-payment. XXXXMy minimum payment due by the way was {$25.00}. 

Notes ; Below are the payments I made. I deleted references to my checking acct ( also with PNC ) and my credit card. I can provide acct ref. if necessary ) : XXXX/XXXX/2016 Completed {$300.00} From : To : Interest Checking - PNC points XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$250.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$170.00} From : To : Interest Checking - PNC points XXXX -

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2015-10-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I bought my house in XXXX 2005. I bought it for {$520000.00}. I only had a little over {$50000.00} for a down payment, so I had to get XXXX mortgages. The XXXX was an interest only loan. The terms as they were explained to me at the time were that I would have to pay interest only for 10 years. After the 10 year period was concluded, I was told that I would be paying interest and principal. I was never told that the principal payment would be in addition to what I was already paying. My mortgage was sold 3 months prior to the 10 year period conclusion. A couple of months before the 10 year period, I was advised by the new mortgage holder that my payments would be changing and that I would be paying interest as well as principal. The wording of the notice made me worry that the payment amount would change, so I called the company, and a customer service representative explained to me that I would not be paying more, but that now part of my payment would be going to paying off the principal. While I waited, he roughly figured an approximate amount that would go towards paying down the principal. I was relieved and waited until the first payment where this would take effect. When that day came, I received a bill that raised my monthly payment by nearly {$1000.00}. I sent the company an e-mail, which took XXXX weeks to be replied to, in the form of a letter. They stated that all was in order per my original loan 's terms and even sent me a copy of a document signed by me 10 years earlier, which actually stated that my mortgage would " not '' go up after the 10 year period, but would in fact, slightly decline ( from {$2000.00} down to {$1900.00} ). I have attached the first page of that document, which clearly says this. Subsequently, I read up on Interest Only Loans and found that they typically call for an increase in the payment after the interest only period is over, but this was never explained to me, and the document I signed certainly did not say this. One other point, I was also never told that my loan was an ARM. I found this out a few years later when the original company, ( XXXX XXXX XXXX ) finally obtained a website and I saw on their site, what kind of loan I had. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Navient Solutions, LLC.
State: VA
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:
Same behavior exhibited by XXXX/Navient as decribed in this articleXXXXStarted repaying a {$14000.00} student loan four years ago with additional monthly amounts labelled to reduce principal outstanding. The additional amounts were always posted to future interest payments so today the principal balance is {$12000.00}. XXXXNavient harasses constantly for advance payment of monthly amount due and NEVER applies additional principal payments to the principal. This is a huge rip off and is not like other responsible student loan processors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: MI
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:
THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with XXXX signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX permission to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
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 received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX SD which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX db/amc to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX XXXX  is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is the second complaint filed with CFPB against Ally Financial for call harassment. Ally Financial still calls to harass me by placing the calls to my phone numbers constantly since the year of XXXX. These calls are meant for another person with whom I have no association. These calls are for debt collection for automobile loan that I have no association with Ally Financial. On or around XX/XX/XXXX in the nighttime, Ally Financial damaged my phone device by awakening me from sound sleep to its call. I stumbled as reaching for my phone device thinking it was an urgent call and it fell off the table and hit the floor broken. My phone device is a special equipment for the deaf that takes or makes TTY calls. I was without this phone device for three weeks which was agonizing me. 
On many occasions during call harassments, I notified Ally Financial of the wrong numbers and call harassments must be stopped by speaking the representatives, sending certified mail, and entering the information on Ally Financials automated system. Most recently, on XX/XX/XXXX I spoke with a representative of Ally Financial at XXXX and her name is XXXX. I informed her of the wrong numbers and requested that calls be stopped. Unfortunately, Ally Financial never cease calling to my phone numbers afterward. 


Ally Financial places multiple calls from different numbers which makes it difficult for me to block the calls each month. Ally Financial manages to reach my phone numbers by using many different numbers as following : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX These calls made by Ally Financial to my phone numbers are ongoing call harassment as far back as the beginning XXXX. The calls come in 4 or 5 times per day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. In addition, I receive multiple voicemails left to my phone numbers from Ally Financial. 
The voicemails would often state : This is Ally Financial XXXX Inc. calling for XXXX (? ) XXXX. Please call us at XXXX as soon as possible. Again, our numbers are XXXX XXXX OR Message for XXXX (? ) XXXX my name is XXXX calling from the office Of Ally. It is important for you to call back today at XXXX. We are Open from Mondays to Sundays XXXX XXXX to XXXX XXXX Eastern Standard Time. 

My efforts of stopping the call harassment were of no avail now that It has been over 5 years, Ally Financial viciously calls to harass me knowing that they got the wrong numbers.

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 2017-08-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Back in XX/XX/XXXX I had a checking and a savings account with 5/3 bank. I had the checking account set up to automatically send a check out each month to pay a regular bill ( home owner 's association ). I would receive the rent check ( from the people renting ) and deposit it into this account each month to cover the mortgage and association. I had to move out and rented it out to try and keep it when I had no income and had to file a bankruptcy. Well when the rent was late one month, 5/3 still sent a check from my account when there were no funds to cover it without my knowledge. I still had XXXX sitting in the savings account with 5/3. I was never notified of anything and because I was n't receiving rent, I was n't using 5/3. Cut to XX/XX/XXXX when I was working in the mortgage dept of a credit union as a temp. When they offered me a job and i had to go through all of the hiring process. This is the first knowledge I had that 5/3 had submitted my name as someone who writes fraudulent checks to XXXX and then sells the " debt '' ( for a check I did n't write! ). For years now, I not only receive nasty phone calls and threats but they call people in my family and hound them and tell them they are filing charges against me to try to scare them. It is absolutely disgusting! I called and called and went into fifth third, to try and rectify this at the time that I found out about it. Needless to say that when I was desperate for a job, I was not hire-able and lost my job! I only got the run around from fifth third, every location told me to try a different number/ office and absolutely no one in the company could tell me how to escalate anything. It was an absolute nightmare! And it goes on and on! Even if i paid one of these people harassing me, I am told the only way it will ever be removed from XXXX is by fifth third and they will not do it because they do not own the debt anymore. Every time this debt is sold to someone else and they make a query on it, it renews for another 5 years!!!! These people will never stop harassing me and my family. I even filed a complaint with the BBB ( which is a joke ) and they did n't even bother contacting them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I received electronic notification that my XXXX checking account was being closed after a ATM check deposit in the amount of {$9500.00} was made at a Wells Fargo ATM. The ATM receipt displayed a incorrect deposit amount of {$9000.00}, I immediately called Wells Fargo to report the discrepancy and was provided claim # XXXX. Within 1 hour of reporting this discrepancy, the bank sent me electronic notification that they were closing my account on XX/XX/2022 and suspending all withdrawals and deposit activities immediately. It is not acceptable, fair nor is it professional that the bank has decided to close my account without any logical reason while holding my money " hostage '' until XX/XX/2022. It seems the bank is punishing me for reporting a ATM deposit error which is the bank 's fault. I have been with the bank as a customer for over 20 years and still held my relationship with the bank even as they were facing a headwind of abusive, unprofessional and unauthorized behavior. The illogical closing of my account sadly seems like a continuation of that abusive and illogical practice which is not unacceptable.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2020-08-10
Company: CarMax, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Carmax did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchase a vehicle from XXXX ( aka BridgeCrest ) in XXXX, and have had nothing but trouble form them every sense. They charged me with late fees when its not my time of schedule payment, always calling 5-6 times at all hours of the day harassing the XXXX out of me, and also not reporting to all XXXX of the credit agencies when payments are made on time. I had a company look into my credit system and found were they are lying and not been truthful of the matter that I am paying my car note. Moreover, I have keep all of my receipts and even looked back on payments made ; and they are not giving me credit due. When I looked at my statements online, I noticed dates that I paid are not been included and they again overcharged on late payment fees when it was n't even my schedule payment time. This is the WORST CAR DEALSHIP EVER! Their moto is a lie when, it speaks of helping those with not so good of credit. I have asked repeatedly on numerous occasion to have my payments modify and still I always get excuses and no one is willing to help lower my payments. I have been advised to look into XXXX XXXX who can have them stopping calling me everyday, give me credit were credit is due, stop charging late fees when its not my time to pay my schedule payments and to report to credit agencies when I am making my payments each month. Plenty of people that I have spoke to say how awful they are, calling with the harassment many times in one day. I made my last payment on XXXX/XXXX/16, Saturday and they called me the next day, and the next day, and the next day. That was unacceptable, and no reason to have called my phone that many times, when I had paid. My schedule payments is every two weeks and if I miss a week, I 'll pay the week after, which is still technically every other week. If I could find a way to get out of this loan, I would. They are overcharging me, cause my balance I know should be down and with them they keep adding it up. NOT COOL AT ALL! I am dissatisfied with BridgeCrest formerly known as XXXX. I will be taking other measures from referral resources to have them stop frustrating, stressing me out, cause it 's ridiculous how annoying this company is. STOP HARASSING ME WHEN I MAKE MY PAYMENTS EVERY OTHER WEEK!!!

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 2020-08-10
Company: JPMORGAN CHASE & CO.
State: CT
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 received a letter from JP Morgan Chase dated XX/XX/2020 stating that they have decided to not open an account for me. I never applied for any " account '' with JP Morgan Chase and there is no phone number to contact anyone. The mailing address on this letter is also incorrect which leads me to believe this may be fraud. This is very concerning and I do not want my credit affected. The letter states that they used my credit score in making their decision and I should contact XXXX and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXr Account # 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 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