BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: WSFS FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX in concert with Wilmington Savings Fund Society FSB are trying to steal my Property using deception -- an unlawful cloud on title or fraudulent transfer recorded with the XXXX  County Recorder of Deeds XX/XX/XXXX. Although sued by the Whole United States ( the U.S. Justice Department in conjunction with virtually all 50 state attorney generals, including the state attorney general for Illinois ), XXXX using one of its non-bank subsidiaries or foreign corporations ( XXXX XXXX XXXX XXXX ) filed a series of foreclosure-related evictions against me, but failed to execute the wrongfully obtained possession orders in the defunct business 's name. Now in a third suit it has obtained a possession order in Wilmington Savings Fund Society FSB 's name, falsely representing to courts that the subject property was sold to this trustee plaintiff. Both corporate plaintiffs provided no proof of an actual sale for value ( ex. current property inspection report, purchase contract, title report, etc. ) ; only a " quitclaim deed '' paired with the wrongfully obtained orders. The possession orders are pending the disposition of a petition for leave to appeal filed with the Illinois Supreme Court. Still, the corporate plaintiffs and their counsel continue to engage in frivolous, fictitious filing so as to threaten, harass and intimidate me with unlawful eviction. Their last motion was filed in the circuit court around XX/XX/XXXX, seeking an extension on the time to enforce the eviction order that is in question. It is my contention that neither companies have any rights in the property. Their purported right to possession arises from an unauthorized foreclosure that the executive branches of government successfully prosecuted them for. The XXXX  County States Attorney even found that Housing Discrimination was involved.

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 2022-07-05
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 Equifax says late '30 ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says '30 ' Account was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.

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 2022-02-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am attaching the loan verification letter from XXXX XXXX. These accounts were closed and consolidated into 2 loans, but my credit reports are still showing them open. I would like them removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over 2 years ago my wife had lab work completed in California and sent off to XXXX XXXX XXXX XXXX in XXXX XXXX. The doctor said that if the insurance company does not cover the fees the company ( XXXX XXXX ) would ( we now possess a copy of written documentation of this policy ). 2 years later ( now ) after not hearing from any issues on our insurance or the doctors office the company is bankrupt and a collection agency is trying to collect {$3000.00} from us for XXXX completed for the bankrupt company 's trustees. We sent them the written documentation agreement between the doctor, insurance company, etc, that explicitly states, " If it turns out your insurance company does not cover a specific test, XXXX XXXX assumes all the risk. '' We have sent the documentation to the collection agency ( Monterey Financial of XXXX XXXX ), yet they are continuing to try and collect the debt from us and many others even though they possess the documentation clearing everyone of all expenses associated with the XXXX. To do this is unethical, a scam and fraudulent business practices by Monterey financial. They are using scare tactics and threats to peoples credit to try and collect despite the documentation clearing the patients of any type of financial responsibility and preying on others who may not have the knowledge or possess the burden of proof we have received from our doctor who used XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I am making an formal complaint against Synchrony Bank and their customer service rep, XXXX. On XX/XX/2019, Synchrony Bank unjustly closed my Carecredit account for an bizarre reason. When I have learned about them closing my account ; I tried to talk with their customer service rep, XXXX but he spoke in very rude matter and told me that he was going to address my concern with XXXX. I came back in 15 minutes later, i spoke to XXXX and she told me they alleged me close my account due too many return payments. My XXXX payment was sent back once. I am trying to figure out what happened?

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 2015-08-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have banked with BMO Harris Bank for XXXX years. As a XXXX we get a lump of XXXX paychecks that are deposited in XXXX to cover our XXXX. I has addressed this with BMO and I was assured that I would not be charged the {$10.00} monthly fee for no direct deposit. They continued to ping my account, which caused it to go into the negative. I have recently married and due to merging accounts at my husbands bank I was keeping things at a bare minimum. I did however get student loan deposits into that account, so actually I did have direct deposits into the account. The banker at the XXXX XXXX, MO office assured me that it would all be taken care of, because between the XXXX months there was a total amount of overdraft fees and XXXX fees that totaled XXXX dollars. I was told they would fix it all and to not worry. Everyday that they were " working '' on it they pinged me with a XXXX fee. They total amount they took is now over XXXX and they closed my account. The lack of communication ( I was told I was busy,, do n't worry I 'll get to it tomorrow ) has now led to my account being upside down, when it should not have been and they have taken advantage of a situation that was their fault. I am a XXXX with XXXX sons who is in a XXXX at the beginning of the year. I expect my bank to be better organized and when I 'm told they will fix the problem they created I expect it to be fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX of XXXX heirs to the deed of my deceased mother 's home. Rushmore Loan Servicing initiated a fraudulent loan modification stating XXXX XXXX owned interested in the property. This modification started in XXXX of XXXX. Rushmore more has presented misrepresentations to the Bankruptcy XXXX XXXX South Carolina, XXXX XXXX XXXX XXXX in South Carolina and the XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina. The fraudulent loan modification enabled Rushmore to prevail in foreclosure proceedings based on the validity of the fraudulent document. I have attached documents to aid in the investigation of Rushmore 's intent to deceive and defraud the court to prevail during the court proceedings. There are questionable accounting records. For example, my mother did a loan with South Carolina XXXX XXXX in XXXX to cover her past due balance for close to {$30000.00}. South Carolina XXXX XXXX paid XXXX but there is no record of the accounting. The court case numbers are as follows : Court of Common Pleas ( XXXX, South Carolina ) Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina ) Case No. XXXX South Carolina Bankruptcy XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: AL
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 are several inaccurate items that is reporting on my credit file : XXXX XXXXXXXX is inaccurately reporting on my Equifax. This is not mine. 

XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

XXXX XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

Incorrect Addresses : XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I noticed when checking my credit that XXXX XXXX XXXX claimed that a account was charged off, i asked for validation off the account because i do n't own a XXXX XXXX account they replied back that they do n't have any papers and this account was shut down and sold to a collection company named LVNV Funding INC, i asked LVNV Funding INC as well for Validation and received a letter stating that the account was closed. I also requested XXXX I would Like Proof As per Sec 605, 609, and 623 Per FCRA and received noting, XXXX is required to provide proof Per 609 and failed to comply, I spoke with a supervisor at XXXX XXXX XXXX named XXXX ID # XXXX and was told that they sent over all documents to LVNV and to contact them they have nothing but they claimed to verified and updated my XXXX  credit report on XX/XX/XXXX. Resurgent Capital ( LVNV ) sent me a letter on XX/XX/XXXX stating they will be request to delete tradeline it still reporting as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have tried on many attempts to update my legal name on my Experian Account. They refuse to change my name despite it being a COURT ORDERED name change!!!! 

I was transferred 6 times to different departments by people who barely understood English. I have changed every other account without issue.

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 2022-02-24
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX andstill nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDITREPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX I received a letter from Fifth Third Bank ( 5/3 ) stating ''a merchant security breach that may have compromise your debit card '' a new card is being issued, activate immediately & destroy old card. I activated the new card on/around XXXX XXXX, XXXX & destroyed the old card. I made a purchase WITH the new card on XXXX XXXX. On XXXX XXXX, XXXX I received a text ( & email ) regarding 'suspicious activity ' at XXXX Central Time. I responded & spoke with FRAUD department. XXXX fraudulent transactions are pending. XXXX transaction on XXXX/XXXX/XXXX & XXXX transactions on XXXX/XXXX/XXXX. Through further investigation I have been told that there are XXXX open cards on this account. I have NEVER requested MORE than ONE active card on this account! I requested a replacement card & to block all transactions on the card I believed to be compromised after 'suspicious activity ' ( XXXX XXXX? ) that I had seen on the account & have letterhead from the 5/3 ( came with the card used in the fraud ) stating " For your protection your current card will be deactivated upon activating your new card ''. I have been informed by 5/3 a 'supervisor ', CS XXXX XXXX , & Fraud XXXX ' that I am responsible for deactivating EACH card EVER issued to me. The 5/3 'supervisor ' stated the card 5/3 was notifying me about ( XXXX/XXXX/XXXX ) was a different card than the XXXX that was used for TODAY 'S FRAUD. I do NOT understand how MULTIPLE CARDS can remain ACTIVE when I applied for & have maintained, in good faith & standing XXXX CARD on XXXX debit/checking ACCOUNT! I immediately requested ALL open cards ( save the JUST activated ) be CLOSED. I have been told this has been done by the 'supervisor. ' I believe 5/3 CREATED this BREACH by permitting multiple cards to be active WITHOUT my explicit consent to have MULTIPLE cards ACTIVE on my SOLELY OWNED/PRIVATE account. I was engaged in a TRUST between me & Fifth Third Bank that 5/3 would manage my banking transactions. Having multiple cards ACTIVE without my written consent is a BREACH of my TRUST in their ability to professionally manage my transactions. This has created a HUGE problem for me by tying up funds that I had PLANS to use on XXXX XXXX as it will take UP TO XXXX -7 Business days for the fraud transactions to be assessed. Had ALL other cards been deactivated as the paperwork that came with the card used in the fraud stated ( old card will be deactivated ) - the previous letter of concern would have been unnecessary & the current fraud claims would never have occurred. Those charges would have immediately been declined on a 'dead ' card. This has, additionally, dropped my account BELOW minimum balance requirements which may result in BANK FEES that could be assessed against my account. Thus marring my 'in good standing ' with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I logged into my banking app for Direct Express to check my balance. I noticed some unusual pending charges. I called the bank right away and tried to dispute the charges, but because they were pending I could not open a dispute. They told me they could cancel the card and issue a new one. I received the new card late on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I could not dispute any charges because while waiting for the new card my account was suspended and they could not look up any of my information. I called back on XX/XX/XXXX and opened a dispute on all the charges that had posted even after my card was suspended on XX/XX/XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX {$16.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$18.00}, XX/XX/XXXX XXXX XXXX  XXXX XXXX {$15.00}, XX/XX/XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX XXXX {$50.00}, XX/XX/XXXX XXXX XXXX 's {$9.00} ). They opened a fraud case and sent me a form to fill out. I received the form on Friday XX/XX/XXXX and it stated they needed it back by Wednesday XX/XX/XXXX to continue the investigation. I filled it out and sent it back Priority Express 2 day mail. I received a letter on XX/XX/XXXX stating they finished the investigation and did not find any fraudulent charges and would not reverse the charges back. 

I have not traveled to XXXX XXXX any time recently. I do not have a XXXX XXXX nor a XXXX XXXXXXXX XXXX anywhere near me. I told them this but they still choose not to consider all the charges fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accurate to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2018-03-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my Chase and XXXX XXXXXXXX XXXX debit cards. At or around XX/XX/XXXX I made multiple calls to ASAPs XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of ASAPs calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Chase claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the XXXX ( thats the ant charged on Chase debit ) within 10 days Chase denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I applied for preapproval with Freedom Mortgage wherein they submitted an email to my landlord indicating that we had great FICO scores and see no reason why we would n't be approved for a mortgage loan. After providing our driver 's licenses and other identifying information which revealed our ethnicity, we were asked to supply a numerous amount of documentation that was not relevant to the loan application. We were subsequently denied a mortgage loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-01-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The attached page shows a company called XXXX of XXXX Ohio sentt me a a check for XXXX and 53rd said there was something wrong with it. 53rd had charged XXXX in overdrafts at that time, so their settlement owed me 3 times that amount. XXXX XXXX also said he would refund the XXXX fee after a year. I was also owed a XXXX promotion as well. I am not sure what was wrong with the XXXX check from XXXX of Ohio.

Company response to consumer: Closed with explanation