BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

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 2022-05-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
There is someone in XXXXXXXX XXXX XXXX XXXX that keeps using my social security number. Ive had it removed and freezes put on my reports but his information keeps popping up using my social security number. Ive contacted the police, credit bureaus, and all. He has a lot of names and addresses connected to him and his address. I live in 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: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter on XX/XX/2022 about a shortage in my escrow account. I paid shortage on XX/XX/2022 along with my house payment. I talked to a representative on XX/XX/XXXX to pay shortage separately. Ive called multiple times since because my house payment due is reflecting I didnt pay shortage. Ive called multiple times and talked to multiple people regarding this matter without any resolutions other than being told that our ( loan depot ) system needs time to update. Please help me get my house payment straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a missed auto pay in XX/XX/XXXX. We made emergency payment. They said we were all set. Then they never took money out. Months passed. We made more Emergancy payments. Said we are all set again. It was t the case. They dont service the loan they sell. Cant answer us if we are back on track. Cant e mail us confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance through XXXX Mortgage, my mortgage is with PHH. Account numberXXXX, it was originally through Ocwen. I have never been late on a payment, and I am being charged fees that I should not have to pay. We have requested a payment history from the beginning of the loan and all I get are letters stating it will take 30 more days, in the mean time I was unable to close on my new mortgage, because they are taking so long with the payment history and the lender won't accept the loan with these fees. 
I have 3 or 4 letters from PHH all saying they have 30 days to respond. They are the reason my my locked in rate will be different and will not be able to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hunter warfield, XXXX XXXX  XXXX XXXX, XXXX florida XXXX is the company this complaint is about. they are attempting to collect a debt of {$1300.00} that i simply do not owe. it's a bogus made up debt by XXXX  XXXX in XXXX XXXX. i lived at XXXX XXXX in XXXX XXXX. for 12 months. from XX/XX/XXXX to XX/XX/XXXX. i signed a 12 month lease, stayed there the full 12 months, and paid the rent on time every month. when i left the apartment it was in the exact same condition as when i moved in. i didn't even ask for my security deposit back when i left the apartment. if anything they owe ME. now, i am a XXXX, XXXX old man seeking a low income place to live here in XXXX. i will soon become homeless. every apartment application i fill out is denied because of this bogus debt. twice i contacted hunter warfield to dispute this bogus debt so i don't end up homeless. and twice the person i spoke to became very, very rude and obnoxious with me on the phone. i got rude back cause that is just my nature when someone gets rude with me as they did. i attempted to explain my urgent situation to them, and never got a chance to finish before they became very rude with me. i scratch and claw to get by month to month on a small disability check, so it'd be impossible for me to pay this if it was a legitimate debt, which it is not. besides their phone reps being very rude, hunter warfield is a company that puts pennies ( that's what {$1300.00} is to them ), ahead of the well being of a XXXX, XXXX, XXXX old man. greed above compassion, on top of being very rude. and XXXX XXXX in XXXX XXXX. are total liars, and also greedy.

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 2019-11-20
Company: Verisk Analytics Inc
State: UT
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 a victim of identity theft. My information was compromised when my wallet was stolen containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NC
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 following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was forced into bankruptcy in 2017 due to my daughters serious XXXX  XXXX. XXXX XXXX  refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted XXXX XXXX numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at XXXX XXXX  will discuss or address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act TrueAccord Corp 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 an account without my written instructions. I am a victim of identity theft. 
1. This is not my debt.

2. I am a victim of identity theft.

3. I request TrueAccord Corp send me records stating the collection of this debt is mine. A wet signature. 
4. The total balance and complete payment history. Including an explanation of any interest charges and additional fees.

5 The charge off of the original creditor.

6. A copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.

7. I request records showing. That TrueAccord has the right to seek collection of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: NM
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Back in early XXXX I submitted deputes with Trans Union based a credit report. 
The disputes came back as accurate, and untimely. 
I am filing this complaint because there is no way that the thoroughly investigated my disputes. 
The first of my disputes relates to XXXX XXXX XXXX. XXXX : XXXX XXXX in the amount of XXXX for a debt that is not mine. NO DATE FURNISHED FOR THIS DEBT The next item in dispute is with XXXX XXXX RE : XXXX XXXX XXXX  in the amount of XXXX. 
I did have an account with XXXX XXXX, however the limit was XXXX. and the balance on that account was less that XXXX. which was in deed charged off back in XX/XX/XXXX. NO DATE FURNISHED FOR THIS DEBT The next item in dispute is with XXXX XXXX XXXX.. RE : XXXX XXXX XXXX  in the amount XXXX. for a light bill from XX/XX/XXXX. they attempted to add this amount to my then current account at a different address. 
As a result I filed a complaint with NYS Public Service Commission in early XX/XX/XXXX. XXXX XXXX refused to validate the debt per my numerous requests. there has been no resolution to date as it relates to NYS PSC. NO DATES FURNISHED per Trans Union. 

Copies of the results from TU are attached

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 2019-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have spoken to three managers at Bank of America regarding the XXXX dollar fee that I have been getting on my savings account since XXXX. Due to extremely low interest I did not care about my savings account, i've had it set to send XXXX dollars from checking to savings since i was XXXX. I could have easily had XXXX in there to avoid the fee if I had even known about it. I called in and spoke to a manager named XXXX, he was only able to credit me XXXX dollars out of the well over XXXX I've received in fees for the past two years. I requested the matter to be escalated to the next manager. He was the worst banking professional I've ever spoken to. His name was XXXX, ID # XXXX. He was condescending, talked over me, very unpleasant tone. I've been a customer with Bank of America since XXXX. It's absolutely silly to me that they wouldn't give me back my request of XXXX dollars. This is the amount I could see that was taken from me since XXXX of XXXX. The fees started in XXXX, however so there could be more that I don't even see. I had only requested the XXXX. They didn't care - They basically told me to be grateful for this amount. Closing my account after the dust settles ... They just would not budge with 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 monetary relief
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've sent the credit bureau XXXX  and transunion documentation and letters to update their inaccurate information. ive snet ftc reports dating back in XX/XX/2019 again in XXXX and XXXX they have fraudulent information reporting and all they do is say that the company has updated information without providing any documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out through my credit monitoring service that a collection in the amount of {$92.00} has been placed by Franklin Collection Services on my three reports. I am looking to dispute this as I never received a notice of rights under the Fair Credit Reporting Act 1692g. As mentioned in subsection ( A ) ( 1 ), the timeline starts " within thirty days after receipt of the notice ''. Since I never received a notice and it went straight on my report, I am filing this. 

I filed with XXXX, where I discovered the information. After filing the dispute, within a week the information showed up on XXXX and XXXX, even though no information was sent to me about the verification or my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with fraud alerts or security freezes

Complaint:
Synchrony Bank lowered the credit on my XXXX XXXX XXXX card out of the blue. There have been no late payments or any issues ; I have been trying to pay the bill down. At XXXX XXXX on Thursday night XXXX XXXX @ XXXX XXXX, I get a credit monitoring report that my credit had been lowered on this card around about {$1200.00}. This bank is notorious for doing this with its good customers. 
This isn't the only thing ; about XXXX XXXX year ago, they just closed my XXXX credit card the same way and without any notice. Around the same time, they lowered credit on my XXXX card by {$1500.00} and they did my XXXX card the same way. 

This company is wreaking havoc on customer 's credit report and likewise mine. If they did want people to have a card, they should not have approved one rather than to do this.

I have had it with this bank doing this. I am going to see if there are other customers doing a class action suit because of this ; if so I want to jump in on it. If not, I may just sue them myself. This is ridiculous and this company should be fined or something for 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 2019-12-26
Company: EQUIFAX, INC.
State: GA
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 have sent Equifax and XXXX  countless letters along with identification letting them know that I have eighteen hard inquires that I did not authorize. They refuse to remove these hard inquires. I have sent certified letters starting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to this day these hard inquires have not been removed. I have called in countless numbers of times, each time being told they can't help me. They are hindering my ability to obtain a business loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: JPMORGAN CHASE & CO.
State: TX
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 Chase notified me that their prior decision on behalf re : my dispute with XXXX to which I still not received a response with an earlier complaint. Chase announces on my statement that XXXX requested. I faxed Chase that I had already overpaid XXXX with a second bank XXXX. Chase disregarded my evidence & sent me an email saying I owed the pmt but not giving a reason. Ive closed my acct at Chase but Im overdrawn at chase and wont be able to pay an extra XXXX. XXXX policy is NOT to allow XXXX  loans if prior funds not paid in full. Ive taken subsequent instacash loans with no problems since I paid {$200.00} on XX/XX/XXXX and {$160.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I am writing to you because Bank of America for the past 24 hours, actually more than that, has denied me access to my account. I have called and been transferred and/or given a different number to call 10 TIMES!!!!! No one can tell me why the account was frozen and even more shocking no one has unfroze the account. 

That is stealing, that is theft, I believe that the legal terms would be robbery, fraud and the list goes on. I work hard for my money, and I am here 24 hours without access to MY money and no reason as to why! When I asked about compensation for the stress caused and time taken away from me without an apparent reason as to why I was told that Bank of America does not compensate for mistakes. I have recordings if you would like them. 

I recorded all the calls with the poor customer service displayed by BOA. I went to the branch location on XXXX and XXXX in California and that sad excuse of a manager XXXX, had me waiting for half an hour and left through the back! 

At this point I just want my money and compensation and I 'll leave the bank. I have been a loyal customer for 20 years and this is the treatment I get.

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 2019-12-26
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2019, XXXX XXXX XXXX XXXX acquired unauthorized access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Resurgent Capital Services L.P.
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 have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas XXXX and XXXX are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and LVNV is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
your company failed to provide the required notice of additional required documents w ithin five ( 5 ) b usiness days in violation of Regulatio n X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore , this client 's application is entitled to be treated as facially complete pursuant to Regulation  X, 12 C.F.R. 1024.41 ( c ) ( i v ).

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