BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ), 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose and FCRA 623. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX : {$8800.00} : XXXX XXXX XXXX : {$3800.00} XXXX Original Creditor : ) : {$230.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$9500.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$3000.00} XXXX : {$700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$300.00}

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 2015-11-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CHASE took over servicing my mortgage loan from XXXX in XXXX 2015. I originally set up the drafting of my payment for the XXXX of the month when I refinanced with XXXX, authorized by me on XXXX of XXXX 's loan closing papers. There were no problems with XXXX servicing of my loan. When CHASE took over in XXXX 2015, it drafted my payment on the XXXX of XXXX and XXXX ; and, according to CHASE, this was done based on XXXX records that CHASE had. I asked CHASE if it was looking at the document I executed as part of my loan closing papers ; and, CHASE said no, that it was looking at XXXX account record of drafts. I believe that XXXX is a " secondary bank, '' ( similar to federal credit unions ) and that in order for it to receive my payment on the XXXX or thereafter, it would draft it on the XXXX of the month - which would not be get to my bank to be deducted until no earlier than the XXXX. CHASE is not a " secondary bank '' and when it drafts the funds on the XXXX ; it is taken from my account on the XXXX, same day. This is significant because my pension hits on the XXXX of every month ; and, the funds to make the mortgage payment are not in my account until then - so it bounced the last two months. CHASE admitted it is not looking at the document ( actual or copy ) that I executed ; only XXXX account history. I have spent many hours on the phone with CHASE and XXXX XXXX ( my bank ) in conference calls and CHASE has yet to get it correct. Now CHASE says it " can not '' draft the funds from my account unless I sign one of its forms and submit to them. I asked them then how is it that CHASE drafted the payments from my account in XXXX and XXXX ; to which they did not have an answer. I now have to make my payment via phone every month because CHASE refuses to honor the original documentation they say they do n't have from XXXX. Gee, what documents does CHASE have regarding my loan? I am totally frustrated with CHASE and its refusal to get it corrected, putting the burden on me to fix it. CHASE and XXXX XXXX have removed all fees regarding this snafu because both banks acknowledge the errors were not my fault. Yet I still have had to spend hours on the phone explaining the same situation to more than XXXX people ; and, I still have to make the payments via phone every month from now on because CHASE refuses to honor the original document I executed. I did not switch services ; XXXX and CHASE did and I am paying the price. Please help! 
P.S. Prior to CHASE taking over my loan servicing, it never asked or told me that I would have to execute any new document attributable to its taking over servicing XXXX mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/XXXX I was requested by Paypal to confirm my identity by submitting a photo of my ID and a proof of address. I provided a copy of my passport and a proof of address issued by a government agency to confirm my identity, but the proof of address was not considered valid. Therefore, I sent another proof of address, issued by another government agency, but it was refused for the second time. On XX/XX/XXXX, I was informed that my PayPal account was closed because of security issues and that my balance of USD XXXX would be held for 180 days. 

After several attempts over the course of the years XXXX and XXXX, in XX/XX/XXXX I was finally given the option to withdraw my fund by linking a bank account and transfer the funds. Unfortunately, I can not link the bank account as expected and receive the following error messages : " Sorry, were unable to link that bank because it is disabled. Please try another bank. '' or " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account ''. I have contacted customer service without success as the customer service representatives can not help me solve my problem or give an explanation as to why this is happening. Their only suggestion is to try again after 48 hour. It is worth mentioning that I have waited 72 hours before each call, but I keep getting the same results. I have let the representatives know about this situation, and they say they can not give any other solution other than keep trying every 48 hours. I have been calling every three days for a month now with no luck. I feel hopeless with my funds being trapped. 

Therefore, I respectfully request your help in solving my problem and get Paypal to allow me to withdraw my funds that I earned with honest, hard work and that I very much need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I received a phone call stating that I received an {$8000.00} grant and in order to get the grant I had to give the account and routing number for my bank. The further instructions were to go to an ATM and pull out {$300.00}, then XXXX XXXX the money to an address in XXXX. After I withdrew the money from the ATM, someone went into a Navy Federal and deposited {$15.00} into the account and then withdrew {$770.00} from the checking account. Three hours after the withdrawal from the ATM, I told a friend about the grant and she told me to check my account because it sounded like a scam. When I checked the account, I saw the unauthorized debit of {$770.00}. I immediately notified Navy Federal Credit Union and informed them of the fraudulent activity. They recommended that I close the account, which I did. I asked about getting the money refunded, they said there was nothing they could do since I gave the perpetrators the account number and routing number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX , a debt validation letter was sent t o Bull City Financial re questing validation of this debt allegedly owed. I 've also sent this thru cbr dispute. Bull city is inaccurately " verifying '' this info through them. I 've asked to receive a copy of original documents with my signature. As of  X/XX/17    bull city has failed to respond to my request. Instead on  X/XX/17    I received correspondence from aforementioned company with a bill also listed on an address I 've never lived at. I 've yet to receive any original documents as outlined in attachments. This continues to report to cbr and is not marked as in dispute as requested on letter either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On my report there are XXXX chase auto loan inquiries from same chase bank they ran the same credit check twice both were not suppose to be ran because I was approved for a loan and the car dealer ran my credit on accident not understanding I was already pre approved. I am asking for them to be removed because I never gave permission to have my credit ran or tried to attempt to get a loan from this bank. This was not my wrong in doing it was a miss communication with dealer that thought I needed a loan but i already had one through my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The following accounts are being incorrectly reported to belonging to me. 

CB/VICSCRT {$220.00} Charge off XXXX {$500.00} Charge off Both accounts say they were opened in 2017 Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed and have reported the theft. These accounts are fraudulent and arethe result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My father passed away in XX/XX/XXXX. I inherited the residential property he owned but was not the debtor on the property. I paid the mortgage to Wells Fargo after my father 's death as I was living in the property and I, after his death, held title to the property. Then in XX/XX/XXXX, I tried to refinance the mortgage loan as I was paying the loan but could not take advantage of mortgage interest deductions as I was not the debtor on the property. The bank my parent was associated with, XXXX informed me of a new ruling through the XXXX that would allow me, the son and inheritor of the property, to become the obligor of the debt without going through the process of application necessary when assuming a loan, as while paying the loan, I was unsure as to my ability to qualify for the loan and an associated home equity loan I was also paying, through regular channels. However, when I contacted Wells Fargo, they were less than helpful and have remained less than helpful. On XX/XX/XXXX I wrote to Wells Fargo and referenced the ruling of XX/XX/XXXX namely Application of Regulation Z 's Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest ; I attached the complete ruling to my certified letter to Wells Fargo Home Mortgage. Wells Fargo requested and received by Fax on XX/XX/XXXX : XXXX XXXX for my father, XXXX transfer at date of death, Quit-claim deed, and associated papers describing the property. However, even after all of the evidence of my ownership of the property, Wells Fargo continued to address letters in reference to my claim to my deceased father. They refused to honor the XXXX 's ruling to allow me to become the obligor, instead, they have continually said they would only allow me to make an " assumption '' of the mortgage loan through regular channels. I have spoken to them numerous times on the phone, the last being when making my most recent mortgage payment, when they again offered this option of assumption. Recently I was informed that the property insurance on my home was being cancelled in XX/XX/XXXX as the property debt is still listed in my deceased father 's name ; this situation is causing me great distress. Wells Fargo is disregarding XXXX and violating a XXXX even though they were advised of the ruling and of my willingness to become the obligor.

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 2015-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a XXXX percent XXXX Veteran who applied for the student loan forgiveness/discharge program. I got a letter in XXXX 2011 from the XXXX, stating that my request to receive the forgiveness/discharge was approved. I later receive a letter from XXXX that the request was approved. I was refunded of the amount I paid on the student loan on XXXX XXXX, 2011. 
Months later I looked at my credit report and see that the loan was reported as being late 120 day by Equfax. Based on my understanding, under the Federal Law, a veteran who seeks federal student loan forgiveness if they receive a XXXX % XXXX rating by the Department of Veterans Affairs should not be penalized with bad credit. Since I received a discharge based on VA documentation of my XXXX, my credit report should show that I no longer owe the loan, not that it was " assigned to government '' for monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
State: WI
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 have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Experian has yet to provide that proof of verification. After reviewing their website, it was found that a third party credit agency, XXXX XXXX at times furnishes information to the credit bureaus. After reading that I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/XXXX, XXXX Letters sent to Experian on XX/XX/2021, XX/XX/2021 and CFPB complaint sent on XX/XX/2021. Even after a compliaint was filed, it STILL did not receive any verification of this bankruptcy. How is this even possible that this continues to happen. It is now XX/XX/2021 and I STILL have NO PROOF OF VERIFICATION. This is beyond unacceptable at this point. Without verification this accounts need to be removed ASAP.

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 2021-10-01
Company: Wilber and Associates, P.C.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a call from this company Wilber and Associates PC claiming I owed {$2900.00} in damages to another unit in my building when my condo flood in the bathroom. I paid the cleaning service that the XXXX XXXX approved. This company is claiming someone on the 1st floor, filed with them. The said unit is Nowhere near my side of the building. I Live on the 3nd floor. The unit right next to my bathroom Did not accrue any damages. This Bill is a Scam. They're e-mailing, calling me to collect on bogus debt. I have insurance, my XXXX XXXX would notify me, there was a problem.

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 2016-12-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
Please refer to attachment for my initial dispute regarding Wells Fargo 's explanation of an FHA application as " Not Part of the closing documents '' It was done in " Good Faith '' First of all, I have a binded portfolio of ALL THE CLOSING DOCUMENTS along with HUD 1, HUD 2 etc. Each of the numerous documents including the HUD 1 and HUD 2 list the " Mortgage Insurance Case Number : XXXX. '' One of the loan numbers submitted by XXXX in an earlier response to my concerns lists XXXX as one of the numbers assigned to the FHA/HUD mortgage. XXXX states that the FHA CASE NUMBER is located in one of many data bases. 
( I will also be disputing IV Acknowlegment and Agreement as stated on the FHA application and VIII which is Information for Government Monitoring Services ) The very first sentence in VII : Each of the undersigned specifically REPRESENTS TO LENDERS AND LENDER 'S actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors, and assigns and agress that 1 ) the information provided in this application is TRUE AND CORRECT as of the date set forth opposite my signature and that any INTENTIONAL or negligent misrepresentation of this information contained in this application may result in Civil Liability, Including Monetary Damages TO ANY PERSON who may suffer any loss due to reliance upon any msreprsentations that I have made in this application and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, sec.1001 et seq. 



The very first line contained in VII starts out stating " The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the Lender 's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws.

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 2016-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. The inquiries below are a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The inquiries I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sales Financing XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Utilities XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card Cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Porsche Financial Services, Inc.
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:
I paid off my car lease with Porsche Financial services and closed my account. XXXX credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with XXXX and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from Porsche Financial confirming my closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set of pay arrangement with the original debtor XXXX  XXXX. When my debt was sold to a collection agency midland that started harassing me on my job. I then attempted to dispute account it was removed and then placed back on my account a few months later. I do not owe anymore monies to this company and would like to see the original contract for proof.

Company response to consumer: Closed with non-monetary relief