BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
On X/XX/17 I filed an online dispute with Equifax regarding a dismissed bankruptcy from over 7 years ago still showing on my credit report. A week later I received a message that they investigated issue and that it was " reporting correctly ''. I then called customer service and spoke with a extremely rude representative who refused to listen to what I had to say. He kept stating that they did not have to remove it until 10 years. Equifax refuses to remove a dismissed chapter XXXX bankruptcy from credit report after 7 years. Item was automatically deleted from other XXXX credit bureaus without issue. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX, XXXX date of letter XX/XX/22, I received a letter from Target indicating that my credit card application was denied because I had a credit freeze in effect ( I do. ) I DO NOT Have a Target credit card nor did I apply for one- someone DID APPLY in my name. 

XXXX XXXX  notified XX/XX/22 of data breach XXXX. of my name and social. Prior identity theft detected by XXXX XXXX XXXXXXXX XX/XX/22 and and was notified XX/XX/22. 

XX/XX/22 Requested credit freeze fraud alert to 3 bureaus and Fraud alert to FTC XX/XX/22. 

Called Target XX/XX/22 Application ID : XXXX. 
Target confirmed the identity theft has my name, address, home phone number, social security number. Fraud indicated on my driver 's license and an email account.

Target advised reporting to FTC which I tried to do and was directed to this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Trying to invest in my future through different apps ... ( XXXX, XXXX for example ). PNC says no! For months I was connected through the XXXX  app and randomly PNC blocked it from INVESTING IN MY FUTURE! Recently downloaded the XXXX app ... no change. Thanks for keeping me safe from anyone or anything trying to fraudulently gain access to my account, but I really dont want to have to justify all my decisions each and every time I link my account. Please work to build some type of account linking protocols so I can avoid this. Thanks! P.S. Ill be leaving soon ( marriage reasons, but have enjoyed being a PNC Bank customer ). Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX mortgage has assessed me $ XXXX. for 36 months for an " escrow deficit '' which was arrived at by an error of calculation in their annual escrow analysis. I addressed several letters to XXXX explaining my position and submitted my complaint all the way through XXXX 's consumer ombudsman, which affirmed the company 's position. I do not believe anyone at XXXX ever actually read my complaints or did anything besides sending me form letters which ignored my specific contentions and repeated the same mistaken conclusion again and again. This mistake occurred because XXXX subtracted payment for hazard insurance twice in 2015 -- once for ACTUAL payment, then again for " projected payment. '' It is the second, erroneous deduction for " projected payment '' for hazard insurance, made after the payment had already been made, which put me in this mistaken " escrow deficit '' XXXX claims now exists. After several correspondences with XXXX, it sold my loan to CHASE and after making my same complaint to CHASE, it also affirmed XXXX 's contention. I do not believe that either company has actually read anything I have sent, much less addressed my specific contentions and justified their position in ordinary terms. All they have is sent conclusory letters saying I am wrong, and that they are correct. It seems obvious that the only reason there is any " escrow deficit '' is due to an error of arithmetic/accounting in XXXX 's escrow analysis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage account was transferred from XXXX XXXX XXXX XXXX to SLS in XXXX XXXX. I made the XXXX payment to XXXX and the XXXX payment to SLS. The statement I received from SLS showed a mortgage payment amount that was higher than the XXXX payment. Upon contacting SLS they informed me that part of the payment was escrow of taxes and insurance and part of it was 'fees ' SLS paid to XXXX on my behalf. However, they did not know what the fees were for. I informed them that I pay my own taxes and insurance so there should be no escrow fees. I also advised them that I needed to understand what the other fees were for. They said they did not know what the fees were for. My initial call to them regarding this issue was in XXXX of XXXX. As of today, XXXX XXXX, XXXX, SLS is aware that I do not escrow and they still contend that they do n't know what the other fees are for although they expect me to pay them. They have all the correct documentation that the tax and insurance payments are current. However, they have not adjusted the statement nor have they applied the XXXX payment to the mortgage. They have applied the XXXX payment to the mysterious 'fees '. This company 's practices are predatory in nature and their license to act as a loan servicing company should be revoked immediately. The only recourse I have to avoid a late payment on my credit report is to pay the additional fees they are extorting from me. I had NO idea they had not applied the XXXX payment until I reached out to them on Friday, XXXX XXXX, XXXX. At NO point have they tried to contact me regarding a late payment. I also contacted XXXX regarding the issue. XXXX was very clear that they NEVER communicated to SLS that there was an escrow balance. This further convinces me that SLS decided to add escrow fees to my account in an effort to extort other fees, e.g. late fees, on my account that I would be forced to pay. Stop these criminals NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Sterling Infosystems Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name has never been XXXX XXXX. 
It has only been XXXX XXXX, and now 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 explanation
Consumer complaint received 2020-08-06
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX failure to MOV. Failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Balance transfer

Complaint:
I have a Sony Card issued by Capital One. My credit line is {$6300.00}. I have had a zero balance since XX/XX/2016. I received balance transfer check offer in the mail. I wrote and mailed a check to XXXX XXXX to pay {$1800.00} on my balance. I noted on line that XXXX received the check and credited the payment. A few days later, the payment was noted as reversed. I called Capital One on XX/XX/XXXX and their rep. said that they were having a problem with the checks. he offered to process the balance transfer manually. I agreed and gave him all of the information. As of this morning all that has happened is that my available balance on the card has been reduced by {$1800.00} but no there is no evidence that the transfer has been sent. There has been no credit posted at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-05
Company: NRA Group, LLC
State: NC
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:
Neighborhood Association ( through NRA Collections, XXXX, PA ) attempting to bill for illegal, arbitrary, and excessive debts, without due process and verification of authority -- that is, no covenants and restrictions at this association, as they expired in 1990, confirmed by XXXX XXXX XXXX, XXXX County NC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: First Advantage LNS Inc.
State: NJ
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:
I am XXXX and after 10 years of living at my previous address on XXXX XXXX, XXXX I gave written notice that due to unforeseen circumstances I needed to break my lease, attach is a copy of the notice. On Monday XXXX XXXX, XXXX my son dropped off the keys, at that time he was required to sign a move-out key receipt card along with reason for moving out and forwarding address to forward my security deposit, after inspecting the apartment. About 2 1/2 weeks later I text to find out the status of Mt security deposit and the XXXX XXXX the assistance property manager response to me to let me know that the law allow 's them 30 days after move-out date to return deposit. OK fine. On XXXX/XXXX/XXXX I again email XXXX XXXX to advised her that the 30days was up and my security is way overdue and has per the law my security is now doubled. ( CAUSE BY LAW I MUST BE NOTIFY OF MY SEC. DEP. OR WHY I AM NOT GETTING A REFUND ) attach is all the email after going back and forth I decided to file a suit in tenant landlord court. XXXX XXXX, XXXX I showed up in court for the judge to hear my case, which at that point for the first time the judge and myself was notified that they XXXX was filing a counterclaim against me, at the point the judge advised me of my rights if I wanted reschedule or go ahead with my claim against them, and at a later date they can come back for him to hear the counterclaim. Attach is a copy of the judge order ON MY CLAIM which was dropped, on XXXX XXXX I was scheduled to go back to court for XXXX XXXX COUNTERCLAIM AGAINST ME. XXXX XXXX OR THERE ATTORNEY NEVER SHOWED UP FOR THERE COURT DATE SO THE JUDGE DISMISSED THERE COUNTER CLAIM AGAINST ME. ATTACH IS HIS ORDER. AT THIS POINT XXXX XXXX is STILL TRYING TO COLLECT AFTER THE JUDGE DISMISSED THERE CLAIMS. I have faxed over a copy of the court order/judgement to XXXX XXXX at XXXX. She emailed/verbalize me in response to the judge/court order that I am still responsible the court order means nothing. Please assist me in resolving this matter. XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this report because I was denied from opening a credit card at XXXX today XX/XX/20 because apparently there are three accounts with negative payment history appearing on my credit report. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. None of those accounts belong to me nor do I have any written or verbal contract with any of those companies. I am not responsible for any of those accounts nor did I ever benefit anything from those accounts such as money, goods, services or any other benefit. I also never made any payments towards any of these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Seattle Service Bureau, Inc
State: MD
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:
There is a collection notice from the National Services Bureau XXXX Inc. on my XXXX report for a sum of {$86.00} on XXXX/XXXX/XXXX. I called both XXXX and the National Services Collection Agency to inquire about this. The XXXX agency referred me to the National Services Agency and they said it was related to an unpaid bill of {$86.00} to a XXXX XXXX XXXX, PA in XXXX. I called the National Services agency and they told me that something looked wrong and they would get back with me, they never did even after I followed up with an email. I have not lived in XXXX XXXX, PA since XXXX XXXX. I never took any animal to this XXXX after moving to XXXX, Maryland. I also never received any bills, statements or collection notices prior to this notice on my Credit Report. If not for XXXX XXXX, I would not have known it was even on my report. I want to lodge a formal dispute on this collections agency. Thanks, XXXX XXXX Here 's the excerpt from the report : hese are the collections accounts that are reported as open on your credit report : Agency Open XXXX BalanceNATIONAL SER {$860.00} account reported on XXXX XXXX, XXXX OpenAccount # XXXX $ XXXX XXXX INOriginal Creditor $ XXXX BalanceJul XXXX, XXXX DateJun XXXX, XXXX ReportedJointResponsibilityPlaced for collectionRemarksNote

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Me and my family went through covid times just like everyone else in XXXX. During that time we applied for a forbearance plan that was not communicated at all. When we decided to start making payments again 4 months later freedom mortgage said we had to either pay the last XXXX months off or do a loan modification. Once we did the loan modification we settled with a XXXX APY and a XXXX mortgage payment. Once I received the documentation, my wife and I had signed it and returned it within the appropriate time. Apparently the paperwork had to be notarized but no one said anything about it. When I called and told them freedom mortgage said they would immediately send out a copy to complete on our end and notarized. I didn't receive the documents ever. Every week I called freedom mortgage to inquire about the docume ts for XXXX months. Once freedom mortgage finally sent me a letter it was about a new loan modification because I never signed the first XXXX. Which is wrong, we did sign them. I have a XXXX on record from freedom mortgage stating that freedom mortgage messed up and never got me the copy of the loan modification. But because they screwed up I missed out on a better rate and mortgage payment price. Now we have been forced to sign a new agreement for a much higher rate and payment. Higher than even my first mortgage payment. I am filing a formal complaint against freedom mortgage on playing the market and the economy against there word. Even with associates admitting to screwing up on this agreement. Please let me know what you need. Thank you.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
In XX/XX/2021 XXXX XXXX XXXX with account number XXXX was taken off my credit report and now has been put back on it. This company does not have this loan as it states on the credit report that it has been Transferred. The Account Status is reporting it as derogatory and this account does not even have a balance reporting on it.

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 2020-06-17
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.

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 2016-12-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I initiated voluntary repossession on XXXX vehicle loans with USAA. On Friday, XXXX XXXX I received my first notice that the sales had been conducted. The notices included the balance of the loans not paid by the sales. The notices ( XXXX notice for each vehicle ) told me to contact USAA by XXXX XXXX and XXXX to setup payment plans. I called on XXXX XXXX to do this. Again on XXXX XXXX, XXXX, XXXX and XXXX. However, USAA had already referred my account to collections! I 'm being contacted by phone and mail by their collection company, XXXX XXXX as of Friday, XXXX XXXX! 
I have made every effort to cooperate with USAA throughout the voluntary repossession process and just want to set up my payment plans. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: I.C. System, Inc.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from XXXX at XXXX on XXXX/XXXX/2015. The man on the phone kept asking for personal information, but when I asked him any questions he would only state that it was a personal business matter and could not provide any information until I verified my identity. I hung up on him without getting his name unfortunately. Today ( XXXX/XXXX/2015 ) I got another call from the same number. This time I made sure to get the woman 's name : " XXXX ''. She kept asking me to verify my information, and I kept refusing to verify any information until she told me the name of her company. She said it was " IC Systems ''. I asked for the company 's mailing address and she refused to provide it ( like actually refused! ) unless I would verify my identity. I could n't believe it and incredulously asked if she was really refusing to give me their address so I could send a cease and desist letter. At that point she said she was terminating the call and hung up.

Company response to consumer: Closed with explanation