BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: TN
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:
The credit reporting agencies such as ( XXXX XXXX, XXXX, experian, XXXX XXXX, XXXX XXXX, etc ) are reporting accounts, dept, and public records on my personal credit reports that do not belong to me.

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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit reporting agencies such as ( trans union, XXXX, XXXX, XXXX XXXX, XXXX XXXX etc ) are reporting accounts, dept, and public records on my personal credit reports that do not belong to me.

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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-12-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed an erroneous Ally Financial account on my credit reports for 8 Months. Ally Financial has failed to provide validation for this account that proves that this account belongs to me. 

Account Number : 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 2021-11-15
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing an account that is reporting on my transunion credit report. ( XXXX XXXX XXXX ). The creditor has agreed to remove and delete this off my report. XXXX has finally deleted the information however transunion is still reporting it. I had to call 3 different phone numbers today to finally get to speak to someone about this problem. I was told I need to supply further supporting documentation. I explained that I spoke with corporate office for XXXX XXXX XXXX and it has been agreed that they will remove this off my credit reports. I explained to transunion today X/X/17 that I spoke with XXXX XXXX XXXX approx 2 months ago ( I do not have the name of the person I spoke with over at corportate ). Transunion said they will re-dispute this information and I will have to wait 30 days for a response. According to XXXX XXXX my score has dropped XXXX points today. I asked the rep at transunion why such a huge drop I was unable to receive an answer. My debt has gone down on my bills and there should be no more inquires so I do not understand as to why the drop in score. XXXX XXXX XXXX does not belong reporting on my credit report. Having this information still reporting is affecting my credit score in a negative way. I also explained the according to XXXX XXXX there has been an account that has been sent for collection which should not be that information is wrong as well. I am submitting this complaint because I have been disputing this information for quiet some time now and getting nowhere.

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 2023-01-13
Company: DigniFi
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:
Dignifi is in violating my rights as a consumer under laws 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S Code 6802 Obligations with respect to disclosures of personal information ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681a - Definitions ; rules of construction consumer report ( 2 ) Exclusions. ( i ) report contai
ning information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made an overseas wire transfer in order to pay some outstanding bills. The bank cancelled the transaction and later froze the funds used in the wire transaction and also froze my account. I called the bank within half an hour in order to unfreeze my account and after a security verification my account was back. However the bank is not releasing my funds although I called the bank and the branch a few times in order to get my money back. The frozen funds are crippling my ability to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: DISCOVER BANK
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and Discover Home Loans. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

XXXX XXXX  's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by Discover Home Loans in XXXX and sold the XXXX XXXX ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. XXXX has been servicing this loan since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Since XX/XX/2021 ; I have filed numerous complaints regarding XXXX, XXXX, and Transunion unwillingness to DELETE erroneous activity found on my credit report. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired.

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 2019-12-09
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage provider has closed our escrow with a surplus ( owed us ) of  {$980.00}. 

They are still collecting escrow which, is INCORRECT. Please help me collect the monies that are a surplus on our account. Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late ( XX/XX/2015 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I recently reviewed my bank statements,. I noticed that the Wells Fargo bank had been charging my accounts {$2.00} per non Wells Fargo ATM transactions plus an additional {$2.00} from the merchants ATM. Which resulted in a insufficient fund balance to my accounts. Since then the Bank has returned {$49.00} dollars and a additional {$90.00} dollars credit. The balance owed is {$390.00} dollars. The estimated amount was calculated from  XX/XX/XXXX  through  XX/XX/XXXX  ... .. On  XX/XX/XXXX  I returned to the bank to discuss the remaining balance with the branch manager located at the   XXXX   XXXX   location. The manager stated that there nothing else that he could do and that he did n't understand why the customer service return those additional funds. I explained to the manager that none of my paperwork stated additional funds would be withdrawn. I am seeking all of my funds be returned to my account immediately. Thank for your time account #  XXXX  routing number/ # account  XXXX / debit card  XXXX  Name on the account   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 2017-06-05
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
M & T Bank used overdraft link to credit card for two debit card transactions (  XX/XX/XXXX  and  XX/XX/XXXX  ) that were placed on hold and never processed as complete. The account was never at a negative balance, but transfers and fees occurred. As a result, we were charged fees for the utilization of linked OD protection on our credit card. Even though the on hold items never processed, when the holds dropped, the OD charges to the card ( and associated fees ) did not. They should have been reversed when the debit holds dropped and this is a clear violation of UDAAP.

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 2018-05-31
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a lump sum payment to be spread equally between my loans, But only one of my loans has received the payment. I have accrued interest on the others and there for have been forced in to a payment reduction plan that adds 15 years on to my loan. I spoke to a naviant rep in 2017 about this matter. I have not heard back and he could not explain or fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Over 3 months I been train to resolve a problem with XXXX Credit Card and nothing has been doing, I find out 3 months ago went I received my stamen I found I have fraud charges in my account I call customer services and they told me they will open investigation they cancel my card and send me a new one next month I call because nothing happened they told me the investigation is on process this month again nothing happened this month I call ageing and agent XXXX told me I have to speck with XXXX at XXXX but this is a recording line and not body answer the call, in the mid time I been charge with late feet and interest. I don't have other to report to you agency for help. Thank you for your attention to this matter. XXXX XXXX XXXX Account ending XXXX ( new Card number ) XXXX  Crdit Card XXXX XXXX XXXX XXXX XXXX IL XXXX Continental Finance XXXX XXXX XXXX XXXX NY 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 2022-04-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I attempted to ask for a temporary forbearance for my XXXX payment via email and over the phone and was denied. 

I have medical bills and dental bills that need to be paid before my student loan payment. I will not have the payment amount needed to pay for XXXX 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe that my escrow account has been mismanaged. 

In XX/XX/XXXX I refinanced my mortgage loan, My payment started out at {$900.00}. On XX/XX/XXXX I was sent a letter by 5th 3rd Bank reducing my payment to {$790.00} and a check for {$460.00} for an overage in my escrow account. I assumed the bank knew what they were doing. I just received ( XX/XX/XXXX ) a letter stating that my XX/XX/XXXX payment has been increased to {$1000.00} due to a shortage in my escrow account. I contacted the bank and they could not explain how their figures were so wrong. They have made mistakes on the projected cost of insurance and taxes for XX/XX/XXXX. 
and then lowered my payment. They must have caught their mistake and now I am forced to come up with about {$3600.00} over the next 12 months.

This is not right. I live on Social Security and this is going to cause me great hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX do not owe any company any money. I do not have a signed contract with any collection company. I request you delete this collection off my credit report. Delete delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I attempted to sell an item online for {$2200.00}. Potential buyer ( scammer ) offered to send a check for {$4000.00}. I was instructed to deposit check, take my cut, and the {$1800.00} leftover was supposed to go towards shipping, which I was responsible to pay. I received the check next day via XXXX. Check was from XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX. XXXX XXXX  was the financial institution they used. I mobile deposited the check to my Chase bank account. Next day funds were credited to my account. I was instructed to XXXX {$1800.00} to XXXX XXXX XXXX. This was apparently the shipper. 
Unfortunately, Im sure the check will eventually bounce, and I will be out {$1800.00}. Because the transfer of {$1800.00} was via XXXX, Chase Bank ( my bank ) is completely unable to help recover the funds. You would assume that XXXX, being offered and backed by some of the biggest banks in the country, would have something in place for situations such as this. XXXX has XXXX protection what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, ProCollect Incorporated PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, XXXX enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation