BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America and the over drafts fees were at totaling over {$500.00}, I was out and had some bills on autopay.

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
credit freeze

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 2015-10-20
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Me and my wife have owned a house at XXXX XXXX XXXX XXXX XXXX, New Jersey for many years and about four years ago dropped down to 15 year mortgage. We were very happy until I got a letter from Freedom Mortgage and they pushing to cash out for a promotion. After speaking to my wife we said lets look into. Well that is when Freedom uncovered their mistake of not taking enough out for escrow. This is their job and not mine, why they are called XXXX XXXX. I then called Freedom back on XXXX XXXX to see what XXXX XXXX mortgage payment would be, they said it would change in XX/XX/XXXX and not to worry about it XX/XX/XXXX Well my usual payment is about {$1600.00} and when I woke up XXXX XXXX my new payment was XXXX. I went nuts and me and my wife and family barely survived. This is just wrong, after I had called, and told it would n't be going up this month. I under stand it has to go up, but give us some notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank did not notify us that they were the new loan service for our mortgage note within the required 15 days prior to the effective date ( XXXX/XXXX/16 when payment is due ). Failure to notify us in in that time frame is non-compliance under RESPA as the following items were not disclosed to the consumer : 1. The effective date of the transfer, the date your current servicer will stop accepting payments and the date the new servicer will begin accepting them. 2. A statement that the transfer of servicing does not affect any term or condition of your mortgage documents other than the terms directly related to the servicing of the loan.

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to remove my fraud alerts

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 2021-11-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account status and balances inaccurate for XXXX XXXX - XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  and has not been corrected after numerous attempts.

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 2022-05-05
Company: AmerAssist A/R Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: SHARP COLLECTIONS, INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged with a collection involving taxs for a specific county in PA for XX/XX/XXXX/XX/XX/XXXX All information presented by Sharpe collections was incorrect, false, misleading and not adequately vetted. Supporting documents proving the Tax 's where indeed paid where presented to Sharpe via mail. I have been repeatedly harassed by Sharpe for at least the last XXXX yrs. I have sent letters requesting them to stop harassing me and they continue to send out collection letters. Frankly I am writing this as a last attempt to have them stop harassing me or I will take this to an attorney. I DO NOT OWE ANY COUNTY TAXS. I like other people am sick and tired of being provoked by Sharpe collections with false and misleading information. I want them out of my LIFE ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company sent my account into collections. I contacted thr collections company and paid the balance in full for the amount owed. I never moved or changed services. I never obtained any other accounts with this company. A couple weeks later I received a Bill for {$30.00}. I called XXXX to inquire about the bill. They told me that lt was for a return check charge. I let them know that when I paid them the money owed it was with a card and not a check and it cleared. They told me they see a note that credited the {$30.00} back to my account. They told me My account was closed and I do n't owe any other balance. Today I received a call, stating I owed the entire balance again of XXXX. A different creditor. I again called XXXX to inquire, they stated they dont know what got mixed up but I no longer owe anything for this account. Debt collectors stated they just received the account Today, and that they ca n't delete it until I pay. XXXX says I do n't owe the debt, yet they are n't helping me to resolve the debt in collections nor are they able to verify the debt or pull up the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Continue to call daily, to XXXX and XXXX I have asked for verification of the debt by email and by mail. Demanded they dont call again until I can verify this is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I deserved in XX/XX/XXXX that I had two accounts on my credit report from the same collection agency with two different accounts with different amounts. When I called the company I paid off one that I knew was mine and asked the company to provide documents on the second account so that I could verify if the account belongs to me, because I knew for fact it was not mine account.The company never sent me any documents but continue to report this debt to my file .This account was deleted on XX/XX/XXXX off my credit file. On XX/XX/XXXX this company turned around and reported this same collection as a new account, when in fact it's not new and the account is not mines. I understand that I have the right to validated information that is being reported on my file and I have did that, and I ask that you step in on this matter and figure out why they are reporting false information and have them provide poof of documentations for the account they reported. Also on the day of contact with this company they guy was very rude, they had my cell phone number programmed in their phone directory. I asked for documents again and the guy refused to send them to me. By law if this company can not provide documents for debts they place on people '' the collection is to be removed '', which was done. How is this company able to keep reporting collections that are removed due to their lack of documents be placed back on? This company is causing a disturbance to my credit file.

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 2020-04-09
Company: EQUIFAX, INC.
State: NV
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:
Equifax insist on reinserting credit inquiries on my credit report that is not authorized. I have inquiries that were reinserted without notice. These are inquires that I did not authorize. Inquiries in question are : XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  card services XX/XX/XXXX and XX/XX/XXXX. I never signed nor agreed to any of these inquiries. Remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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:
Early XX/XX/2020, I received an alert from XXXX  about an account that had been added to my credit report. When I signed in to view my report, there was an account that I did not recognize ( XXXX  XXXX XXXX  ), but there was no contact information for them. So I log into XXXX XXXX and I notice that it was a collection account owned by XXXX XXXX XXXX. So I reach out to XXXX XXXX XXXX and explain that I did not own that account, they had the wrong person. The account was then removed from my credit report as a result of the investigation. Two days later, I received a notification that an account was removed from my credit report from both XXXX  and XXXX, but nothing from Equifax. So I give it some time thinking they needed time to official remove the account. After a month passed and the item was still on my Equifax  credit report, I reach out to Equifax and they have no record of a request from XXXX XXXX XXXX to remove the item from my credit report. So I conference call XXXX XXXX XXXX ( with Equifax  customer service on the line ) and was transferred to XXXX XXXX, the Director of Operations for XXXX XXXX XXXX. XXXX XXXX informed Equifax that an e-OSCAR had been submitted to all 3 credit bureaus on XX/XX/2020 to request the account be removed from my credit file. The Equifax customer service representative continued to say they have not received any such request. XXXX XXXX proceeds to give verbal authorization to remove the account from my credit file and Equifax still refused to do so. Equifax is now making me go through another 30 day process to get an account removed that has already been requested for removal from the reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Chase Card Services, closed my account for a subjective reason. I've had the account for about 2 weeks when this happened. I followed the rules and I was led to believe that I would get points for making an account with them. So, I was using the card for about 2 weeks and my credit was pulled before I was approved. I received a letter stating that they are closing my account for a misleading reason. I do not believe that Chase can discriminate against its own customers. I've written to their executive office and had calls. The executive sovereign department is so unreachable to its " discriminated '' customers. I would like to request for my account to be open and credit restored. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
traded my car in on XXXX XXXX, XXXX to XXXX XXXX XXXX, In exchange for a XXXX XXXX XXXX. Have paid for the monthly car note for the month of XXXX. Dealer at XXXX XXXX did not send the check to XXXX XXXX until XXXX XXXX, XXXX. Now XXXX XXXX is saying that I owe for the month of XXXX. I had signed documents to release ownership of traded in car to XXXX XXXX on the XXXX of XXXX. Also signed documents to release ownership and registration of car to XXXX on the XXXX of XXXX. Release trade in car to XXXX XXXX on XXXX XXXX, XXXX. This was completed before the month of may when the next payment was due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The fraudulent seller XXXX  *never* sent me my ticket after I paid the {$77.00} through PayPal. Due to Paypal 's consistent lack of intention to resolve the case of a fraud. PayPal explained that this was money sent to a friend, so I could not refund this even though I didn't receive the ticket. But, this transaction through the phone app at the time I was told by the scammer XXXX  - on the PayPal app, it was the only option I could- to check the box to send it the way the seller instructed verbatim. Even after wards, I felt uncomfortable and immediately called PayPal within the same minute, which PayPal has on file. PayPal never considered that this was fraud even though I explained the entire situation and text, numerous times. I called twice within the hour, and after called PayPal to at least 4-5 different times plus sent two letters sent to PayPal headquarters. 
I contacted them about on XX/XX/2019 but they didn't follow up on my response and promise that I would get my refund. Instead, they never refunded me. On the PayPal Resolution Center, the case was deemed closed. 
My PayPal account is under email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting a debt that is not mine. They have failed to provide any documented proof of identity. They have also failed to show any payments made by me to XXXX XXXX. They have repeatedly reported this item on my credit without providing any documentation showing proof of the debt or proof of identity. This item is not mine and your company is in violation of the FCRA by reporting information that does not belong to me. Again I am requesting documentation that proves XXXX can confirm that they verified identy prior to reporting a debt and proof of payments. XXXX has not been able to provide this to myself or any other entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is not mine. Trying to bill me for an apartment lease.

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 2020-04-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX to XXXX due to a bankruptcy sale. I received my 1098 from XXXX and it is not correct. It does not include payments made to XXXX or property tax payments. I spoke with XXXX and they asked me to call XXXX. I called XXXX at XXXX per their instruction and determined XXXX is closed and not taking calls ( you can hear this yourself when you call ). XXXX does not have a way to provide me this information as the loan servicer and only can refer me to XXXX. I need this issue to be resolved and need to have accurate tax 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 2016-02-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
01 XXXX XXXX XXXX Chase fail to submit my property to the Michigan XXXX Unclaimed Property Division XXXX under my name. The result is the the XXXX is unable ti identify the account they hold my property under or if they have it at all. As fiduciary it is J.P. Morgan Chase duty to ascertain my name is listed along side my property in XXXX website as Michigan law requires. The property is a result of investments called. The investments were registered to me but made through my ex-spouse XXXX XXXX account in the period of XXXX. They were called XX/XX/XXXX 
02. I would like for XXXX XXXX Chase to identify the XXXX account my property is being held under whereby I might file claim to such account. On the basis of deductive reasoning I judge XXXX account number XXXX having name as XXXX XXXX. I recently filed claim to such account. 
03. My name is XXXX XXXX XXXX XXXX plus my ex-spouse name is XXXX XXXX. My present day address is XXXX XXXX, XXXX, Michigan XXXX plus my telephone number is XXXX XXXX XXXX XXXX. My email address is XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage started with XXXX in XX/XX/XXXX and was bought out in XX/XX/XXXX from Planet Home Lending. This company has declined my bill pay payment repeatedly which in turn caused late fee 's and possible foreclosure. I had to send a wire to make up for everything and this still continues to happen. The mitigation department has not helped in getting this payment paid to my mortgage and there for has caused more fee 's and possible foreclosure again. They have ruined my credit. There business practice are damaging to hard working people. They do not provide me with any proper instruction to make and payment and there bank are having major delays in returning my funds so I can have them debit my bank account to make the payment on time. I want fee 's reimbursed and the company to move my account back to XXXX, a company with respect.

Company response to consumer: Closed
Consumer complaint received 2022-05-05
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation