BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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 information incorrect

Complaint:
I never gave written Pursuant to 15 U.S. Code1681 ( a3 ) .Equifax assumed a vital role in evaluating my consumer credit and other information about me. have a right to privacy. Pursuant to 15 U.S. Code 1681 - ( a4 ) Equifax didnt exercise their grave responsibility. Equifax was unfair, impartial and did not respect my consumer right to privacy.

Pursuant to 15 U.S. Code 1681b ( 2 ) I never instructed Equifax to create this report, and I never consented to this report. 
Please remove all accounts from my consumer report permanently. I am aware of the Equifax Credit Breach XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

TRANSUNION : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/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 2022-01-07
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX MS Services LLC Collections started reporting to all 3 credit bureaus that I owe them {$690.00}. I have no contract with this company. MS Services purchased my personal information from XXXX XXXX XXXX XXXX Checking OR without my knowledge or permission. They are in violation of 15 usc 1692 and 15 usc 1681. Further more on the collection it states that it was {$630.00} and as of now it is {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: International Computer Systems, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2019 {$25000.00} was taken out of my account without my permission. The very next day on XX/XX/2019 another {$2500.00} was taken out of the same account. On XX/XX/2019 {$2500.00} was taken out of my account. Then on XX/XX/2019 another {$2500.00} was taken out of that account. That was {$10000.00} taken out of my account within a 12 day span. Then on XX/XX/2019 another {$2500.00} was taken out of my account. On XX/XX/2019, another {$2500.00} was taken. This is {$15000.00} that has gone missing from my account. Each time I filed a complaint I was told the amount would be returned within 10 days of the transaction. With each of these incidents the 10 day mark passed & the money that was taken was not returned. Ive asked, called, texted, & waited patiently for Bank Of America to return all of the money they have taken from my account. The bank failed to do a reverse wire for all of these transactions. With the last transaction Bank Of America refused to reopen an investigation. They promised that the money would be returned to me & is refusing to give me my money back,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: National Enterprise Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX-17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.

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 2019-12-27
Company: BANCO POPULAR DE PUERTO RICO
State: CT
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:
Hard Inquiry from called Banco Popular De Puerto Rico. I live in US, never applied for anything with this company. I just found it today when I happened to check my credit. This was done on XX/XX/2018 I did notice my credit score went down and why I checked it. 
I called their # and was told to call the credit company. I call them ( XXXX ) abd they state they cant remove or investigate.

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 2019-12-27
Company: FREEDOM FINANCIAL NETWORK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I went to Freedom debt relief company for a consolidation loan in XX/XX/XXXX. They told me I didn't qualify for a loan because my debt was at 80 % of my total available credit, and I would be great and using their debt relief service. They told me to stop paying me creditors and change my personal phone numbers listed with the credit card companies and give their number. About six months I paid {$400.00} per month while intrest and late fees piled up to my account. From XX/XX/XXXX to XX/XX/XXXX I had made payments for nothing until they claimed they made a settlement with XXXX XXXX and XXXX XXXX XXXX which accrued a lot of debt. They supposedly settlement at 50 % of my debt which went from XXXX to {$12000.00} but they locked me in at owing XXXX at a high rate of 22.9 % which they didn't tell me in the beginning. 1 year later I still owe over {$14000.00} and my original debt after settlement was {$12000.00} and they ruined my credit score. It was much higher before I started doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Had a second mortgage by me and my x wife in the divorce she got the house and agreed to pay the second mortgage she fell behind and I did not no until I checked my credit report I contacted the mortgage co. To see if I could get a bill or making adress so I can pay if she falls behind more they refused to give me any information I told them I have a different mailing adress and they still refuse to send any info but they are hitting my credit every time she falls behind I even offered to take over the account but they still refused

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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: Public record information inaccurate

Complaint:
I have a bankruptcy public record that is reporting to my credit report that belongs to someone else with a similar name. I called then visited the courthouse but they could not locate the file in my name with a matching Social Security Number. I contacted the creditors and credit bureaus to remove the bankruptcy along with the accounts relating to the public record. The creditors have removed the accounts off two of my credit bureau reports so far, but the actual bankruptcy still remains on my credit reports despite the removal of the associated accounts. Please help me remove this blemish on my report because it not accurate.

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 2019-12-27
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received check number XXXX from CitiMortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX for an escrow refund XXXX dated XX/XX/XXXX for {$250.00}. It was issued by Citibank XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX internal check number XXXX. 

I have the check in my possession and have not endorsed or made any attempt to cash it. I found it after I had my home renovated. In XX/XX/XXXX, I sent a certified return receipt letter to CitiMortgage at the XXXX address. It was returned to me. 

I'm unable to make the proper contact with CitiMortgage regarding this matter. 

Thank you for your assistance with this matter.

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 2020-04-22
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two collections on my credit report from CMRE for XXXX XXXX XXXX XXXX. I have attempted to contact this company three times to dispute these two accounts. First of all, they are duplicates. I reached out to the company to make them known of this error and to please delete one of the accounts as they were the same. They refused. I provided them with proof and they still denied that it was a duplicate. After the third attempt to have the account removed, I decided to try this route with the CFPB. XXXX XXXX XXXX had a total of two accounts that were outstanding and I thought they both had been paid with my HSA from my previous employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I called to change the date of my auto-debit for my student loan payment from the XXXX of each month to the XXXX of each month. I asked at least twice in different ways to confirm that the auto-debit date change would start in XX/XX/XXXX, not at the end of XXXX, since I had already made my payment for XXXX. I was assured both times I asked that my first payment where this date change would take effect was XX/XX/XXXX. 

Today when I logged into my checking account, I saw that an auto-debit is pending from my account for Monday, XX/XX/XXXX. I called Nelnet, who processes my student loans, and was told I needed to contact my bank because it was too late for Nelnet to stop the auto-debit. My bank was unable to help because the transaction is occurring within 3 business days. The Nelnet representative when I called back to Nelnet for a resolution was incredibly unhelpful, saying that I would " just have to incur a non-sufficient funds fee '' if I didn't have the money in my account to cover the payment that I was assured would not be coming out of my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This charge popped up on my credit report and I have no knowledge of this debt. There is no documentation or rationale for this debt from an old apartment - landlord ended lease and I moved out the same month. This must be removed ASAP from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Professional Recovery Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not receive notification from the hospital, or company regarding the debt. The total amount is {$650.00} and the dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The letter never reached my residence whether it was lost in the mail or never sent I do not know. I contacted the collections company because I saw them on my credit report. On my credit report it states the debt is only {$110.00}. Upon calling the company I found out the total was {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This bank treats me horrible I recently lost my wallet and reported my 2 credit cards as lost stolen and their was fraud charges I was billed they said I wont be liable until recently they mail me letters and are extremely rude threat to close my accounts this is not fair very rude and they wont initiate a claim to refund me the charges they promised me would they denied my claim claiming I had the card In my posesion when this was reported immediately to them

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 2019-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Husband is traveling in XXXX. I went to log in on our laptop to make a payment at my Grandmas home. CapitalOnes server must have noticed that the I.P. Address was different from our homes and asked for verification via one of three options. Each of the options, however, required a smart phones texting feature. Unfortunately, he was not able to perform any of the options due to very limited service. There is a tollfree number for this situation posted on the bottom of the webpages verification page. 
When I called the tollfree number, they asked for him to send a photo of the front and back of a government issued I.D . However, they also placed a hold on the card making it unusable. So, he is stuck traveling in XXXX with no Credit Card for two weeks. 
This is horribly upsetting as we informed CapitalOne prior to his departure that he would be traveling to XXXX and made certain that the account was noted for travel outside the US. We provided verification via the telephone that it was indeed him traveling to release the hold with no success. 
I fail to understand why they would place a hold on the card, making unusable after all of the precautions have been made and after all of the verifications have been performed. This is not only a major inconvenience, but a safety concern. CapitalOne is negligent in jeopardizing the wellbeing of an American traveling overseas who was depending on their services. 
Monies will now have to be sent via a service at additional costs and hopefully will be accepted at locations to provide him a safe return. 
There are so many other credit card options that offer better interest rates and rewards and would never consciously jeopardize the safety and wellbeing of their users. Be warned, stay far away from CapitalOne!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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: Information belongs to someone else

Complaint:
inaccurate information on credit bureaus please correct violation of my rights hippa and cra

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 2022-08-04
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:
On XX/XX/XXXX, I had a XXXX, XXXX, XXXX, was stolen and a police report was generated. After going back and forward with XXXX XXXX XXXX regarding the payoff balance and GAP insurance. In May, the vehicle was officially paid off and I notified by XXXX XXXX that the lien was paid in-full but recently I pulled my credit report and noticed that the lien was reported as a repossession even though XXXX XXXX sent letters indicating that the lien was paid off.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am submittin this CFPB Complaint to follow up the most recent CFPB complaint I submitted last XX/XX/2022. The Credit Reporting agencies have failed to comply with the Federal statute and continued reporting the disputed items wihout sending me copies of proof of verification. This action of the Credit Bureaus is a clear violation of a consumer 's rights which is protected by the Federal regulation. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-12-27
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did recieve notice that my loan had been sold nor that servicers had been changed until months after my servicer had changed. After learning of the change I was 3 months behind on my mortgage which I was told if i set up automatic payments to be withdrawn by the servicer each month the late missed payments would be deferred and i would be made current on my loan payments. I set up automatic payment withdrawl but was notified in XXXX that no payments had been withdrawn and my mortgage was now 9 months behind and my home was being set for forclosure sale and would be auctioned on XX/XX/2020. The servicer, Fay Servicing told me to send in an application for Loan Assistance Modification. The servicer spoke with me on the phone and told me they would email me the information needed for the loan assistance application. I recieved an email that stated that the loan application was attached and to return it. The application Fay Servicing had provided was completed and returned. After multiple attempts to contact my loan speacialist and after waiting 10 days I contacted Fay Servicing and spoke to a customer service representative who verified my application had been recieved and was in his words " complete except for the insurance declaration ''. It was during this call that i was told I was supposed to include a declaration of homeowners insurance with my application. I sent this in that day but recieved a letter from Fay Servicing days later stating my application for loan assistance had been denied due to an incomplete application. I explained that i had not been told in my email from my loan servicer that the dexlaration was needed with my application and that the the lender had obtained insurance on my home. I was told there was nothing they could do now brcause the 37 day prior to foreclosure date had past so a new application would not be accepted despite them providing incomplete information. I spoke to my loan servicer specialist who sent me the email lacking the complete application requirements and she said there was nothing she could do and my only option was to pay the costume mortgage payments an additional fees prior to foreclosure date. I then received another letter stating that Fay servicing have canceled the lender obtained insurance the day after recieving my insurance declaration. Now my home is going to be auctioned and i was not offered any services to avoid foreclosure because what i was offered was not offered correctly and this has resukted in my home possibly being lost due to this new servicer. Prior to the switching of loan servicers i was up to date on my payments and had no issues with my loan. Now im going to lose my home due to the new servicers errors.

Company response to consumer: Closed with explanation