BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$960.00} JXXXX XXXX XXXX XXXX XXXX Balance {$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 explanation
Consumer complaint received 2023-01-06
Company: B9, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
B9 is charging a XXXX XXXX for an " XXXX XXXX XXXX '' for using my b9 debit card to add money to XXXX  or XXXX XXXX. This has cost me nearly {$200.00} in " external wallet fees '' since I opened my account them. 


XX/XX/XXXX - {$8.00} XXXX XXXX- {$16.00} XX/XX/XXXX - {$19.00} XXXX XXXX {$6.00} XX/XX/XXXX {$10.00} XX/XX/XXXX, {$2.00} XX/XX/XXXX. {$1.00} XX/XX/XXXX, {$19.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$0.00} XX/XX/XXXX, {$9.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} ( not a duplicate ) XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$6.00} This totals to {$180.00} in EXTERNAL fees for adding a balance to my apple wallet/cashapp. 

In my cardholder agreement it stated the effective date was XX/XX/XXXX, but the external wallet fees started for me in XX/XX/XXXX. 

XXXX also charges a monthly fee of $ XXXX. I am being charged $ XXXX mo since XXXX. Before that, it was {$10.00}. Since opening an account with them, I have paid {$200.00} to use their service.Year to date, my fees have been almost {$400.00}. 

I feel like this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a credit card from Lowe 's ( XXXX CA ) to avail of the 6 months interest free program. I received my first statement ( XXXX ) through the mail and immedidately sent payment for almost 10 times more than the minimum amount required ( {$420.00} vs {$44.00} ) by mail. However, due to XXXX issues causing delays in the post office, I assume that the company received the payment later than the required due date. Also, unbeknownst to me, they changed my statements electronically from the paper statements that I was expecting to receive on a monthly basis. I called the company to correct this error since I never received the second statement ( XXXX ). Afterwards, I immediately sent the second payment for {$420.00} to cover the amount for the second statement, which I assume is also {$44.00}. Upon receipt of the third statement ( XXXX ) by mail, I noticed that the balance owed was more than the amount I expected to still owe the company. It turns out that they charged me {$29.00} late fee for XXXX and {$40.00} late fee for XXXX including {$0.00} for interest fee. I called the company to dispute the fees and they agreed to refund me the {$40.00}. However, the other fees are still enforced. I just want to report that the business practices of this company regarding the fees are unconscionable.

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 2019-02-20
Company: CONTRACT CALLERS INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got alert from credit reports this about this collections company. I've never owed had XXXX account. I contacted XXXX customer service I was given very little information as they couldn't verify my info on file I was giving them and told me this is most likely fraud account. I opened dispute on XXXX and this collections is coming back as accurate. I've never owned had XXXX services. I have same company for over 20 yrs. They have Wrong person in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: 21ST MORTGAGE CORP.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
21st Mortgage Corporation 1 ) refused to provide statements during term of mortgage. Said coupon book was the only thing we needed and my mortgage " did not qualify '' for statements.

2 ) processed payments randomly after receipt. ACH payments not applied on date of reciept, but could be many days after. Checks sent exact same day every month direct from my bank were applied a variety of different days. ( see attached payment history ) 3 ) refused to accept any electronic form of signature from refinancing corporation, and made the process of refinancing harder by refusing to give a payoff amount to the new mortgage company 4 ) refusing to allow the mobile home financed to be affixed to the land while 21st had a loan on it, which would make any form of refinance or sale impossible. Insisted that the mortgage had to be paid off to them before any affixation could occur. New refinancing mortgage company had to work with title company to come up with a solution so new mortgage could be processed. Otherwise any sale or refinance would have been blocked.

5 ) if payment applied and did not clear my bank ( could be any random day up to weeks after payment was made ACH ) 21st locked out all forms of payment except for bill pay through a bank or calling and making a payment with the loan officer over the phone. All onine access or automated phone payments to make a payment was blocked for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX C/O MITCHELL D. BLUM & ASSOC. LLC I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXXXXXXfailed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: IL
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:
Hello, To whom it may concern, I was a victim of identify theft and I found out in March XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the XXXX XXXX to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX XXXX XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX in particular was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to XXXX to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.

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 2021-02-06
Company: JPMORGAN CHASE & CO.
State: TX
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: Information is incorrect

Complaint:
I had an issue with opening my account with XXXX. Created a CFPB complaint and come to know that it was due to Chase. As per XXXX XXXX XXXX response : When an account is opened online, a third party vendor is used to authenticate applicants. I found at the time you applied, your profile with the vendor had been suspended, which caused an automatic decline. 
The suspension was placed in 2008 by Chase Bank, however, weve reviewed and were able to unsuspended the profile. You can now apply online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX   Charge off opened XX/XX/XXXX, XXXX  XXXX  XXXX  which are in Charge Off Status all of which are on XXXX, I have two fraudulent collections on XXXX  which are XXXX for XXXX $ and XXXX which is for 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 2018-04-27
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my husband, XXXX XXXX, Was laid off due to XXXX going out of business. He was out of work for a year. He applied for unemployment and called the mortgage company as soon as he got home. He explained to them it would take up to a month to receive the first check. They told him to send the payments when it starts. 
When he got the first full check 5 weeks later we started sending the payments. This was in XX/XX/XXXX. In XX/XX/XXXXwe received a check and a letter stating we were XXXX dollars short of the full 3 month payment. In anger XXXX tore up the letter. 
We were immediately put into foreclosure. In the next 6 years we did 13 modification packets, got a lawyer, went to every hearing, did a mediation that lasted a year. In the end we filed chapter XXXX to save the house. We were not able to do so. In XX/XX/XXXX the house was sold and we now are residing with our daughter and her husband.

During the mediation we were told that there were count of fraudulent act with in our mortgage. We were never able to prove it. 

We would like this to go on record against XXXX as we did everything in good faith and got screwed.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting late payments on my XXXX and Transunion consumer reports when I was never late! These late payments have been incorrectly being reported by XXXX XXXX XXXX for XXXX  years and XXXX  months. This has negatively affected my credit score and opportunities for new credit for years now. 
I have disputed this account with XXXX and Transunion and have been waiting for the removal of these late payments for TOO long. 
XXXX reported XXXX days late, XXXX days late, and XXXX days late payments. There should be penalties for this type of behavior and this happens wat too often.

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 2021-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Person said he was law official ready to pick me up tomorrow, papers have been filed with XXXX county and will be arrested at my work place. I called back the number and asked why the phone calls to my parents, my work and myself today. Person on phone was rude and put me on hold, I waited 5 minutes and no one return. It looks to be a scam for debt collections, if so I was willing to pay as for I am in process of clearing all my debt and have 2 left on my account. I am not sure if its the account, but they would not even give me a choice to ask why they are calling me. They threaten my dad that if I don't call by XXXX today, all prosecution will take place. I have the recording they sent to my work too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, 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 am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX In lieu of speaking with my Loan officer, he made me aware that one o accounts on my credit report was not updated. This has made my home purchasing situation more diffucult than it should be. I have made several attempts to get this revolved but I have not recevided the corrective actions necessary to my accounts as of yet. I have the credit card statement attached and requesting an immediate update to my credit card balance for XXXX bank. Currently it is should I owe more then 50 % of the credit limit. The documentation provided will show a better reflection of the balance than the update from XX/XX/2022. 

I have the credit statement directly from XXXX sent from a representative to update my credit card balance for XXXX. 

Account Name : XXXX XXXX : Account balance not updated. 
Resolve : Update to XXXX credit card statement balance ( attached ) Please investigate this matter and contact the nationwide credit bureaus to have them update the disputed item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was fraudulently charged for {$1300.00} on XX/XX/2021. I received a notification that my card had been charged when the charge occurred, and reported it immediately. The sole card that is authorized for this account was in my pocket and not in use. I reported to Bank of America and Bank of America 's investigation determined that a card chip was used and denied this request. 

My card was previously lost/ stolen, but when I requested a new card, the new card had the same number as the lost / stolen card. Bank of America confirmed this over the phone. Bank of America re-evaluated the claim and continued to deny the fraud claim despite this fact pattern has not provided any new reason for denial besides the usage of the card chip.

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 2018-08-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First my mortgage was sold 3 times in the past year. It went from XXXX XXXX to XXXX XXXX   to XXXX XXXX to finally the worst of them all, New Penn financial. Starting XX/XX/2018 the first letter I got from XXXX XXXX XXXX was that they were going to default my mortgage due to non payment. I was very upset, called them, and setup auto pay. I get another email ( not mail ) on XX/XX/XXXX, saying that if I dont resolve by tomorrow they will default my loan. No one ever called, or left any messages, called them on the phone, they said I didn't pay, and now they want to tack on a {$92.00} late fee. They also said its okay to not pay the late fee, but just to keep the late fee floating on there, then they continued to say that it was I that put a stop on the auto pay ( which I did not ). 

I have strong beliefs that they are trying to default my loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CITIBANK, N.A.
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: Information is missing that should be on the report

Complaint:
I have a credit card with Citibank since XXXX on XX/XX/XXXX I noticed my card had disappeared from reports of the XXXX credit reporting bureaus ( XXXX XXXX, XXXX XXXX. I communicated with Citibank credit card department many times via phone, mails, and fax and they promised to solve the problem. Their last response was a letter on XX/XX/XXXX - see attached- saying that they have sent instructions to the three credit reporting bureaus to update my files however nothing happened and no redress has been done. 
I also disputed this missing information of my credit card with XXXX, XXXX, and XXXX and also nothing happened - see attached a letter. Missing this credit card info from my profile is deeply plunging my credit score and screwed my ability to apply for any loans since it is the oldest card i have.

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 2021-12-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer report.

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