BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.

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 2015-09-11
Company: Acceptance Solutions Group, INC
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I owe Ohio Acceptance Solutions Group money from a payday loan that I received from them. Due to unforeseen circumstances, I am unable to make my payments at this time and have been willing to set up an arrangement with them. I have emailed them at least 15 times asking them to stop calling me at work because it puts my job in jeopardy. They continue to call and hang up. They are calling from XXXX. If you call that number back, it is them. I need these calls to stop!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi so I have been locked from my TD bank account a few days ago and have been locked for good, can't get the account back im done. But I can't get my money back, they are trying to figure out what is going on with an account that is only about a couple weeks old and want me to wait probably 30 days to get my money back actually most likely more. I have done research on this topic and have seen that TD is very slow with the responses and that they want you to forget about it pretty much until you actually give up. I can not do this right now we are in a pandemic I will not let someone hold my money for such a long time during these drastic situations and also close my account without warning completely out of nowhere. I have talked to many TD represenatives and even they haven't added much to my help at all, it's always in the hands of the investigation teams. The service I have received here has been ill and I will not wait so long for a check of money that should already be in my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This is a constant practice by Citizens Bank ( Citizens Financial Group Rhode Island ). I will pull my statement online and on that particular day I have a current positive balance. Knowing my payroll deposit is going to occur the very next day, I am not concerned knowing that there is a pending check that will be covered when or if it comes in the next day. However, when I pull my online statement the very next day I see that Citizens processed that check the day prior overdrawing the account even though I check the online balance the day before and it was positive. I have even printed my online statement which clearly shows the date on the printout and the positive balance and then the next days printout showing that check somehow mysteriously coming thru the day prior overdrawing the account and have taken it to the branch manager. They say they process checks all day and even though that check may not show up they had it and was processing it that day but I would not see it or know that. If a bank is spending an entire day to process a check then that check should not be processed until the next day. Do not fool customers by showing them a positive balance and then surprise them the next day and say " you did n't realize that all day we were working on that check but you could not see this so that counts as it actually being processed that day so thus we will charge you an overdraft even though your account clearly shows a positive balance all day ''. This bank is constantly being sued for its processes and I hope someone is looking into this backdating check scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage and there are additional cost added to my bill that BSI financial want explain what they are. I was told that my attorney would explain it 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 2016-10-21
Company: Servis One, Inc., Titusville, PA Branch
State: NH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 I paid my mortgage payment to BSI Financial Services through their web portal. on XXXX/XXXX/16 I called BSI ( spoke to XXXX ) because I noticed the payment was never debited from my checking account. They told me the payment was returned for insufficient funds because my checking account was closed. I informed them that my account was not closed, but agreed to call my bank. My bank confirmed that my account was still open, in good standing and BSI Financial had not attempted to debit my account. I then called BSI again and after being disconnected twice was finally able to speak to an agent named XXXX. I explained to him that BSI had never attempted to debit my account and he said it could have been an error on BSI 's part. He agree to process my mortgage payment over the phone and waive the usual {$20.00} fee. I asked if he would also waive the late fee since the error was not mine and I did attempt to make the mortgage payment on XXXX/XXXX/16. He instructed me to call back and request that the late fee be waived after my payment was processed and debited from my checking account. On XXXX XXXX, 2016 I received a letter in the mail from BSI Financial informing me that I owed a {$25.00} Non Sufficient Fund fee. Today, XXXX XXXX, 2016 I called BSI ( spoke to XXXX ) to ask them to waive the late payment fee and the {$25.00} NSF fee and was told by agent XXXX that she was not authorized to speak to me because of an active bankruptcy. I AM NOT IN AN ACTIVE BANKRUPTCY. She informed me that I would have to fax a letter of authorization giving BSI Financial permission to speak to me, which I did today. Also, please note that I have spoken to BSI Financial agents on seven other occasions since XXXX XXXX, 2016 and have never been asked to provide an authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received a notice from JP Morgan Chase, threatening to purchase condo insurance coverage, at my expense, as they stated they lacked proof of my own coverage. I immediately called to rectify the situation and was told by a Chase representative that, " this was our mistake '', " not to worry about it '' and " the situation has been corrected ''. They also advised that, while proof of the XXXX XXXX 's master policy was not required, it was still recommended that I submit proof of coverage. The following day, I contacted the association 's insurance agency and requested proof of coverage be provided. They forwarded a copy of the policy to Chase via email and I received an email from Chase to confirm the documents had been received. They promised to review and confirm but I never received a response. On XX/XX/XXXX, I received a second threatening notice from Chase, stating the same lack of proof of insurance and again threatened to purchase coverage at my expense. I visited their web site to try and upload copies of both my own personal coverage plus the XXXX XXXX 's master policy and found that both current, unexpired policies were already on the web site. I would look you to investigate this unfair and abuse practice and request an immediate cease and desist from any further threats against me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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:
I have fraudulent inquiries on my credit report. These inquiries have hurt my credit trmemdously, also causinf me a lot of emotional XXXX. Please investigate why these fraudulent accounts are popping on my credit profile. There's one from XXXX XXXX that dropped my score a lot. This is not fair.

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 2020-08-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-13
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX incorrectly placed an account into collections for {$49.00} with Enhanced Recovery Corp. After seeing the collections account on my credit report, I called the collection agency and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that this was a mistake on their part and they would have the dept removed completely. This was done in XXXX. 

Since then, XXXX XXXX XXXX has credited the {$49.00} to my account, which makes the balance zero, however the collection account continues to show on my XXXX credit report. After seeing this, I called XXXX back and they imformed me that they have requested Enhanced Recovery Corp to remove the collection account since it was a mistake on their part. 

Enhanced Recovery Corp has yet to remove this false collections account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My sister and I have a home mortgage with XXXX XXXX issued XXXX of XXXX. In XX/XX/XXXX we had a business fail and we declared a Chapter XXXX bankruptcy but did not include the home mortgage. We did not realize until we tried to refinance in XX/XX/XXXX that XXXX XXXX never reported on my sister 's credit that she had a home loan and that in XXXX of XXXX XXXX XXXX stopped reporting on my credit and stated our loan was terminated. ( lesson learned check your credit at least once a year ). the institution i was trying to refinance with to use my VA thought i was committing fraud but all this came up after i paid for the appraisal and paid for a lock on the rate. ( about {$800.00} total ). In XX/XX/XXXX we contacted XXXX XXXX to try to straighten the mess out because financing VA and having an FHA loan triggered a CAVIRS flag with FHA because of the " terminated '' on my credit. Yet the entire time XXXX XXXX sent monthly statements and we continued to pay the house payment on time monthly. We requested as did our refinance lender, the payment history and to straighten out the reporting. This was in XXXX and now in XX/XX/XXXX XXXX XXXX still needs more time to provide a payment history and correct the reporting. As a result we had to withdraw the loan application and now we are out the {$800.00} we spent trying to refinance. We have talked to many levels of Customer service.

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 2020-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX.collection account placed on my credit in XXXX of 2015. I have never had a XXXX account and have found several similar instances of this happening with XXXX to people all over the U.S. my cell provider has been XXXX or XXXX for the last ten years. I am considering having my attorney file suit against both XXXX/XXXX and the collection company if they do not get this corrected EXTREMELY QUICKLY.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Afternoon & Happy Thursday! Listen, I was actually shocked when I reviewed my credit report & I found 2 medical collection accounts listed there from Commonwealth Financial Services or originally from XXXX XXXX. This is surprising to me because I never received any information in the mail or to give me the right to dispute the alleged debts before it was placed on my credit report. I called the company directly to resolve the issue and the Reps even mentioned that they don't even have my XXXX or other personal information pertained on my file. After several hours of going back and forth, as I don't want to waste any more time because I'm in the process of buying a house, i offer them to just pay both of them off and they agreed that they will be deleted before the XXXX of this month XXXX XX/XX/XXXX ). Please see the attachments for verification. Why they never sent me paperwork on this before so the consumer can dispute them? Isn't that my right? What type of information these hospitals are given to this third-party company about my healthcare report? Isn't this HIPPA violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: NV
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've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXXI 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect 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 2016-09-30
Company: Sprechman & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a phone call from someone at the XXXX. They stated they were attempting to collect on a judgement from XX/XX/2004 from XXXX. Upon stating that I had no knowledge of this judgement, the individual became irate. He continued to question me on whether or not I knew of the judgement. I stated once again that I was not aware of any judgement against me, especially one XXXX. I stated that I would not be acknowledging any liability of the amount requested without further detail. At this point the individual asked me if I wanted to resolve the issue now. I again stated I would not, and said they should go through the procedures to inform me of the details. The individual then said " oh we will be doing what we have to do ''. I requested his name multiple times and asked that I be mailed the information. The person immediately hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Dear Experian, please explain your false claims that I did not authorize my earlier complaint.

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 2016-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Account- In XXXX 2015 I decided to switch cellular carriers. I called XXXX customer service to start the portability process with the other company and at that time there was XXXX balance in my account but actually, there was a bill still pending to be processed. I never received a bill for the account settlement nor a phone call or text message and because of that, my account became delinquent. As a result of this, my account was referred to a collection agency and subsequently reported to the credit bureaus as a derogatory account on collection. I had a spotless payment history in my nine years with the company and once it was brought to my attention there was a pending balance I worked diligently to amend this and made the payment immediately. I have contacted XXXX and they have agreed to remove this derogatory mark in my credit record and to that effect, they sent me a letter stating so. I submitted a dispute ( with a copy of this letter ) to XXXX and Equifax , as of today, XXXX updated my credit file and removed the information pertaining to my XXXX account. Equifax , however, is not willing to accept the information I provided and my credit record with them is still showing the negative information. I have submitted this dispute to them 4-5 times, since XXXX 2015 to no avail. This complaint is about Equifax , not XXXX. Please find attached XXXX 's letter and XXXX Report.

Company response to consumer: Closed with explanation