BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello, I am a victim of Identity Theft and have already reached out to all 3 of the major CRAs as well as XXXX XXXX XXXX. I have also ailed all major CRAs as well as their registered agents they are associated with. I have never entered a consumer transaction with XXXX XXXX XXXX XXXX or 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 2016-11-21
Company: Southwest Credit Systems, L.P.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have determined that Southwest Credit or SWC, of XXXX, XXXX, has left repeated automatic recordings using two different phone numbers. XXXX and XXXX. The recordings ask for XXXX ( not my name ). I have dealt with scam debt collection agencies through CFPB before. When contacted by CFPB they claim they made a mistake and the employee responsible has been re-assigned and is being retrained. I do not owe any money to anyone or any agency anywhere. If I did they would send me a letter. I would appreciate CFPB contacting Southwest Credit in XXXX ( I live in XXXX ) and inform them that if they can not prove I owe a debt to cease and desist calling me and remove my phone number from their robo list. I am on several " Do Not Call '' lists but they do no good. My research shows SWC has over XXXX complaints against them. Is that worth shutting them down?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Thief Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( XXXX ) they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: BB&T CORPORATION
State: MD
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:
BB & T - constant calling harassing us about wanting fees from our son who had XXXX inactive student accounts from years ago. ( They just now came up with {$80.00} in " fees ''. ) He made the negotiated payment and yet they still call and harass us. Now started calling his cell phone while he is at work. This has got to stop. BB & T is harassing us 3 to 5 times a day over an old, inactive student account. Our XXXX year banking history with them apparently makes no difference

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: AZ
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:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2011. I have always made my payments on time when I received my statements. I am not sure how this happened. My only thought is that there was a billing error with my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was transferred to PNC bank from BBVA compass bank and I received 2 micro deposits from XXXX XXXX XXXX for XXXX cents and XXXX cent so they can verify my new bank account and then they withdraw the total of XXXX cents. PNC bank made a mistake and cancelled the 2 deposits from XXXX XXXX XXXX and just kept the withdrawal of XXXX cents and that is a huge mistake for a big bank like PNC to make. My balance was reduced by XXXX cents and the deposits of XXXX cents and XXXX cent were cancelled or dropped by PNC bank. I want to know how PNC bank can make a mistake like this and they should rectify that mistake and fix my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have received a letter from XXXX the data furnisher that provided Transunion with inaccurate alleged bankruptcy information. No Power of Attorney, US Bankruptcy Court or any other entity with an original notarized signed proof of alleged bankruptcy and proof of identity has been provided by XXXX, XXXX, Transunion or any other person/entity of who can testify under oath that an alleged bankruptcy occurred. 

Tranunion has violated my rights under FCRA, CFPB, FTC. Any inaccurate information that can not be obtained and verified or proven by law with the truth have to be removed from my credit file. Transunion has not re-investigated the alleged bankruptcy. Transunion has made false allegations and has not mailed me at my request proof of the alleged bankruptcy. FCRA suppose to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.

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 2017-08-14
Company: Experian Information Solutions Inc.
State: AZ
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:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never 30 or 60 days late in the months of XX/XX/XXXX or in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Synovus Bank
State: FL
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 have reached out several times with written correspondence regarding this matter. The information being reported is totally incorrect and a resolutionhas not been provided after months of trying to work with XXXX and XXXX, XXXX XXXX XXXX. 

First and foremost the open date is incorrect. XXXX is also reporting that this card had a {$0.00} limit and is saying a payment was made XX/XX/XXXX, while XXXX and XXXX are reporting a payment was made XX/XX/XXXX. I have asked for this information to be verified with no verification. 

What is most dishearteningis XXXX has no payment history, and XXXX has the account Charged Off since XXXX of XXXX, while XXXX is reporting the account was charged off XXXX of XXXX and then marked " ok '' from XXXX of XXXX Until XXXX of XXXX! 

It should be very clear this is being reported INACCURATELY. 

This account has also not been marked as disputed per Section 623 ( a ) ( 3 ) of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a vehicle and the loan company was XXXX XXXX XXXX. Back in 2011 approximately the vehicle without notice and owing only XXXX payment plus the current after that month due. They went to my job without warning to repossess my pick up truck. I called the dealer XXXX name is XXXX XXXX and explained the situation they were not helpful at all. 
I asked them to cancel the gap insurance and the warranty insurance. I was told that the money was to be applied toward the loan company. 
Left it as is. Then I received notice from the loan company stating that the vehicle in question was sold in auction and that I only owed XXXX dollars. then they send me another notification that it was considered a charge off. 
Then as of month ago my wife and I have been receiving threatening calls that we owed XXXX and that we could settle for XXXX. 
My wife explained the situation and the were threatening us for the total amount due, of which is inaugurate. The calls did not stop until we told them that we were going to file a complaint through the Federal Trade Commission. They were `very nasty towards my wife. 
They got to a point where every day they were calling my wife had to go thru a hard time of being blackmailed. Even when they told her that they needed the money right away. We explained to them that mount was crazy. They kept on calling until we told them we were making a complaint then they told her that the calls were stopping. I gather information that is relevant to this case Spoke to XXXX XXXX at Mercantile Adjuster Bureau he is the vice president XXXX Their number and address are as follows XXXX XXXX XXXX NY XXXX XXXX there is deficiancy of XXXX. When we received the auction papers thje vehicle was sold approximately XXXX keeping the gap insurance and the warranty. They do not want to go into details and told my wife that they were sending us a validation of the account their reference number is XXXX. XXXX XXXX XXXX account number XXXX. When I called them they had a recording the the debt is XXXX. 
This is a joke can not comprehend this at all and need your help figuring in a prospective that I can understand they can not come years and years the fact ant tell us this. Your help in this matter shall be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear sir/madam, I received my billing statement on XX/XX/2022 for the period from XXXX - XX/XX/2022 and observed a late fee of {$29.00} charged to my account which was included in the total amount due of {$410.00}. I immediately called the customer service of Bank of America to ask about the fee and the customer service agent told me that I did not pay the last bill of {$26000.00} due on XX/XX/2022. I told her that I did not pay because I did not receive that statement and the late fee should be removed from my account. I confirmed my address and she put me on hold. After that she said she can not refund that late fee because that statement was not returned to them. Then I spoke to her supervisor and told him that I always paid previous bills in time and in full. If I had received that statement, I had done the same but I honestly did not receive that statement but he refused to issue the refund. I called customer service agiain on XX/XX/XXXX and a female agent again denied refund. My argument is that either the statement was not sent to me at all due to some error or it was lost somewhere in the mail. Therefore, the refund of {$29.00} should be issued to my accout.

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 2021-05-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX Citizens bank stole {$850.00} from a newly opened checking acct. When i called and asked about it i was informed there was supposedly a debt from 2016? That they had stolen 2 weeks of pay to recoup. Well I manage my credit report through 4 diffent methods and have not ONCE, EVER seen anything from Citizens bank regarding this debt at all. I have NO clue wht it is for. Nor why i was never notified about it. It was not clarified to me why when i went in the branch to re pin my new atm card this wasnt mentioned to me. I opened the acct with no issue whatso ever. 2 weeks later without notification or due process of ANY sort. Without a chance to dispute or even to report fraud. They just stole my money. I have bills to pay. I have a near perfect credit score. I have never even HAD citizens acct in the past. Now if someone ELSE used my info to open one thats another story, but none yhe less I was never notified about it in any way shape or form. Now i have NO recourse in recovering my funds. This is not right. Its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from Discover yet its not on my credit report He stated that there was a cease and decesase letter in XX/XX/XXXXbut didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XX/XX/XXXXsaying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XX/XX/XXXXcounty and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Firstsource Business Process Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received notice dated : XX/XX/ from firstsource in reference to an alleged debt owed to XXXX XXXX for the amount of {$1300.00}. I have nothing to do with this alleged debt in my name which is why I am requesting per law to provide validation for this alleged debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent BILLING ERROR ; REQUEST FOR DOCUMENTARY EVIDENCE I wish to clarify a billing error which I have reason to believe and do so believe has been delivered to me in accordance to 12 CFR 1026.21. Please provide me the Documentary Evidence pursuant to 15 USC 44

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3a Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Logged onto Chase to pay my mortgage in XX/XX/2016. I made the payment. It appeared to have gone through. One month later I received a late payment notice by mail. Chase did not call me or send a reminder letter. Now I have a {$59.00} late charge and a late payment notice on my credit. Immediately went online to pay after receiving the late notice, logged in the payment. Again it did n't take. Called Chase direct and paid it that way. We never had any sort of problem when XXXX XXXX had the loan for the previous 4 plus years, prior to Chase taking over. 
It seems like Chase is setting borrowers up for failure so they can make extra money on the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my mortgage to Chase via XXXX. I accidently entered the wrong XXXX XXXX XXXX XXXX XXXX XXXX did not contact me, but my payment was returned to them due to the wrong address. Chase sent me a late payment and we ( XXXX ) uncovered what happened. I immediately paid my XXXX mortgage payment. Chase reported me to the credit bureau. I 've had my home for almost 20 years and have never been late. I 'm asking Chase to expunge this from my record based on my good-faith statement. They refuse. I think this is unfair, not consumer friendly, and a severe repercussions for a simply typing error. I have all the records on XXXX and can provide to you at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to the company to be serviced. I called them countless times to fix the website so I can login to make payments and view my account. 

They do not fix it and only allow me to pay over the phone and always ask for my full social security number over the phone. 

Ive asked them countless time to send a statement of what my balance is and history of payments. I dont get any billing statements either so Im not sure what the account or loan number is. But may be one of below. 

XXXX XXXX This is the website https : //uwm.loanadministration.com/uwm/ # /login

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My house is scheduled to be sold on X/XX/17 and since Wells Fargo has not properly administered the loan details I can not sell. The buyer wants a clear title and without one will not proceed with the purchase. Wells Fargo has been contacted to clear the title but has not yet done so. My loan was due to end in XXXX of 2017 so this issue would have cropped up at that point even without the sale of the house at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am over charged for damages to my apartment. I was unemployed from covid and they tried to charge me multiple late fees and that was not allowed during the time. They said I was responsible for things that werent even damaged to get more money from me when they already kept my deposit.

Company response to consumer: Closed with explanation