BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2015-10-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I filed an complaint with Chase on XXXX, I advised Chase that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Chase are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Chase company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Chase are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Chase fail to respond in writing, signed by hand, in a timely manner, I will assume that Chase are in error and this matter will be challenged. As Chase further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Chase claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPBXXXX. 
As of today XXXX, Chase have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have requested my annual credit report using XXXX. fromXXXX, XXXX, and Experian. I received XXXX 's report without issue. I have made mutiple request to XXXX and Experian multiple times. XXXX and Experian never cooperate. When free a free credit report is requested XXXX and Experian continually refuse request with error submissions. I have read multiple complaints expressing the same issues over and over. It appears to be an online tactic by Experian and XXXX to discourage the consumer from seeking free report to the point we will just pay for the report. 
XXXX has no online problems furnishing the annual credit report thru XXXX or correcting any incorrect information on consumer 's credit report when requested so I ask " If XXXX can comply with furnishing Annual Credit Reports without issues, XXXX and Experian should do the same ''.

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 2016-05-17
Company: FORD MOTOR CREDIT CO.
State: ID
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I went into XXXX XXXX of XXXX 3 years ago to buy a car. I told them I did n't want a leased car I did n't need XXXX my credit was exceptional. I am elderly and can not see very well out of XXXX eye and I did not see that the contract was for a leased car and the salesman kept covering up the paperwork. So I tried for 3 years to get out of the contract and I went to another car dealer XXXX XXXX and they said they could get me out the lease and before I knew it they stuck me in another car. They told me that they could n't bring the leased car on their lot and I had to sell it in XXXX 's parking lot in XXXX, Idaho or in my driveway. The salesman said he could sell it in XXXX 's parking or in my driveway and could get me some extra money then he said he would take it back. His name was XXXX and he was a floater ( whatever that means ). Then he said he was bringing people to my house to look at the car and then he later told me the people bought a car at XXXX XXXX instead. Then I found out I was being charged insurance for XXXX cars because they were XXXX in my name. I took the car back to XXXX XXXX in XXXX 2015 and returned it and I did not make the last XXXX payments because they had the car. The car was in excellent shape when I returned the car with XXXX miles on it and now Ford Credit says I owe {$870.00} for repairs to the car mats and damage to the car. I am a XXXX living on a fixed income and was not able to pay it. They started sending me threatening letters and said they would zero out my credit. I feel that I was taken advantage of from the beginning I told them I did not want a leased car. My daughter had to pay the money because they were threatening to put a lien on my house and I have a reverse mortgage and I can not have liens on it or I will loose my house. I am finding out from other elderly people they have been treated the same way by these car dealerships and we have no voice. I have complained to the XXXX and they could n't do anything. I also filled out paperwork and sent it to the Idaho XXXX about XXXX weeks ago and have not received a reply yet. I called them and they did n't seem to care about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Have received phone calls stating that I owe money. Case pending against me. Wanting to meet me in person to serve papers. Calling family and work stating there is a case pending against me. Not disclosing who I owe or how much. Threatening me in messages if I do n't return their call i will be sued. I have never received written papers declaring any of this.. XXXX different phone numbers working together and wanting me to make payment immediately. 

Also said they dealt with a XXXX at XXXX and said I needed to call him for immediate payment or I will be served papers. XXXX and XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX, XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00}

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 2022-02-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? 
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. 
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a XXXX  Regions, I have proof and I have attached

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: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac has violated the terms of my home mortgage by charging additional interest, applying payments first to fees rather than interest and refusing to provide an accounting even after a written RESPA request. They have made promises to provide an accounting, but have n't after a year. They have lied to me about how my payments have been applied and made false XXXX statements. I have contacted them in writing, by phone and by email over 50 times over the last year and they refuse to account for how my payments were applied to my loan. There is an estimate {$68000.00} in payments missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding LLC sent false debt collection information to XXXX XXXX XXXX Attorneys. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the Attorneys office and they are suppose to remove this false claim from my name. What upsets me the most is that Midland Funding LLC assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: Finance of America Holdings LLC
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Date : XXXX XXXX, XXXX Subject : XXXX Quit Claim Deed for XXXX XXXX XXXX XXXX, IL XXXX is Fraudulent Complainant : XXXX XXXX XXXX Defendants : XXXX /Urban Financial America LLC/Notary Public - XXXX XXXX In XX/XX/XXXX my parents, XXXX and XXXX ( XXXX ) XXXX purchased the property at XXXX XXXX XXXX XXXX XXXX , IL XXXX. In XX/XX/XXXX my Father XXXX XXXX passed away at which time the said property at XXXX XXXX XXXX was Quit Deeded to XXXX ( XXXX ) XXXX ( Death Certificate and Obituary of XXXX XXXX, XX/XX/XXXX Quit Deed enclosed ). XX/XX/1994 after the passing of our Mother XXXX XXXX the property was quit deeded to myself XXXX XXXX XXXX and my sister XXXX XXXX ( death certificate and obituary of XXXX XXXX, XX/XX/XXXX Quit Deed enclosed ). 

After the death of my sister XX/XX/2014, when packing up her belongings we found a mortgage statement for the property at XXXX XXXX XXXX in XXXX, IL XXXX from XXXX ( XX/XX/XXXX ). Once I found the statement I inquired at the XXXX county office of deeds to pull all deeds to the property in XXXX, IL. I pulled XXXX quit claim deeds ( XX/XX/XXXX & XX/XX/XXXX deeds ) from the XXXX County Office of Deeds in XXXX, IL. The original deed was pulled from the XXXX county office of deeds from XXXX, IL. Unaware a Quit Claim Deed was issued in XXXX XXXX to XXXX XXXX, in which I XXXX XXXX was taken off of the property. My signature was forged on the documentation and registered at the XXXX County Deeds Office. From that time on we were receiving monthly statements showing she took a mortgage out on the property with a fraudulent signature. 

Upon request, I would like this quit deed and loan ( account number XXXX/loan XXXX XXXX/investor - Urban Financial of America ) investigated by the Illinois Department of Professional Regulations Banking Division. 

Sincerely Yours, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, TransUnion, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.

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 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this with XXXX, XXXX and Trans Union several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2017, I did my banking at the XXXX Huntington Bank of the University of XXXX, at XXXX, my transaction was exactly at XXXX, it consisted of me giving out my name, address, city, state and ID number from one of my debit cards. At XXXX, another debit card of my from a different banking institution was closed out. The bank employees females were XXXX and XXXX. I found out later in the evening from my other banking institution that someone from a bank called and had my account closed. Since XXXX has been working at Huntington Bank she has harassed me and a month ago I had to report her. I know she had something to do with my account being closing she also on several occasions would ask if wanted to deposit my money into my debit account so that she would have access to it. Both of these employees have committed fraud, violated confidentiality laws and violated my FERPA as that this involved my school account at the University of XXXX Huntington Bank in XXXX, both of these employees have been watching me and my accounts for several months. They also did an unauthorized credit check to find out what accounts I had in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
i can not get any one to speak with at bank of america i was charged a {$60.00} fee for statement copy it will only let me do a partial statement online

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 monetary relief
Consumer complaint received 2017-04-05
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XX/XX/2017 I received a call from NCB Management ( XXXX ) regarding an account I have with XXXX. At no point during the call did she advise me this was an attempt to collect a debt and that any information obtained would be used for that purpose. This is a blatant violation of the FDCPA and I 'm requesting the debt to be erased or restitution made to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX XXXX XXXX XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. XXXX XXXX XXXX XXXX/XXXX/2015 I would like to see a signed agreement to confirm my signature as I do not remember authorizing this inquiry.

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 2016-11-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I responded to an offer I received from 5/3 bank back in XXXX of 2016, stating that new bank customers that opened new checking accounts would receive {$200.00}. I opened the account online and visited the local branch with the offer code and to finalize the account with a signature and deposit. The terms of the offer explained that in order to receive the {$200.00} I would have to have direct deposit from my employer and complete XXXX online bill payments. I have satisfied all conditions of this offer as of XXXX/XXXX/2016. I have not ever received the {$200.00} for this offer. I have called more than 20 times and I keep being given the run around. I even corresponded through their face book and social media group which finally did call me back and left me a message stating they would honor the offer and wanted me to call them back. This was more than 2 weeks ago and they have still not honored it. I have left more than XXXX voicemails and never get anyone to answer when I call the number they provided. They claimed that they spoke to me on XXXX and that the issue was resolved, but I never spoke to anyone and the issue is not resolved because they have still not honored the offer. I think this is extremely deceptive and coerced me into utilizing account features that I would not normally use to only not have them honor the {$200.00} bonus for completing the stipulations. I think this offer should be honored unless they can show that I have not completed the conditions and they should immediately deposit the {$200.00} into the account as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to make a payment on-line and got an error message. I called and was on hold for over 16 minutes. When the representative answered, she refused to assist me stating that I was not an authorized third party on the account. I explained that I was authorized as I was on the Deed, techinally and legally, that makes me authorized. She then proceeded to put me on hold again, and transferred me to another representative who could not help me the issue of making a payment and again stated that I was not authorized on the account. I am and you are in the wrong by refusing to note the account as such. I asked to speak to your legal department and was not allowed so I then stated that I would be filing a complaint and your representative did not care. She said she had done her job. I beg to differ. I suggest you check your answers and legality of them and authorize me o the account. Your previous representative did after I say on hold for twenty minutes, is this what I should expect each time I call in?

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 2021-10-07
Company: MS SERVICES LLC
State: CA
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 do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported. Please provide the information or take this account off of my credit report.

Company response to consumer: Closed with explanation