BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have requested on multiple occasions to request validation of this alleged debt that XXXX claims I owe and still there is none provided Certified Mailing # XXXX XXXX XXXX XXXX XXXX letter dated XX/XX/20XXXX 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: AMERIS BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, you do not seem to comprehend or appreciate the frustration that my issues have not been resolved in a timely manner. Why does it take 6 months and a complaint to CPFB to resolve these issues? I also have some minor issues that need to be resolved but it doesn't seem to be worth the effort given the service I have received so far. 

There seems to be a systemic issue with Ameris bank in that the responses from Customer service do not address my issues. This is true in this response, or when I talk to customer service representatives either on the phone or through email. Ameris bank also presents the image that it is not really interested in responding to issues and only does so when the time period required by Federal Regulations for a response is close to expiring. 

You did not explain why a mistake was made in paying my real estate tax or what steps were implemented to ensure this does not happen in the future. What assurances do I have this will not occur in XXXX, XXXX, and beyond? I will just be in the same situation waiting six months or more and then having to submit a compliant to the CFPB. 
Based on the fact that my escrow account was not managed correctly, I would once again request that my escrow account be closed and any monies be refunded to me. Please do not delay in acting on this. It seems the least Ameris bank can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to the mortgage on my personal home. On XX/XX/XXXX I filed Chapter XXXX Bankruptcy to protect my home and other assets. I completed the case on XX/XX/XXXX after paying XXXX to XXXX and other debtors ( Please see PDF titled XXXX RESPA Response XXXX ). During my bankruptcy, my payments were increased several times and to prevent dismissal I was required to pay over XXXX in three months see image ( XX/XX/XXXX XXXX XXXX ). Upon completion of the bankruptcy case, my mortgage was sold to Rushmore and I was instructed to continue my payments. Rushmore would not allow me to set up auto-draft and when I called to make my payment in XX/XX/XXXX, they refused to take and told me my account had been turned over to the foreclosure department. At that time my bankruptcy attorney XXXX XXXX informed that he had done all he could do and referred me to the XXXX XXXX XXXX XXXX Attorney XXXX XXXX. I have worked with one of Mr. XXXX associates but my home has been placed in the paper for foreclosure twice and is scheduled to be placed in the paper again tomorrow. As an XXXX and community leader, this has caused much humiliation to me and my family. I thought we were on track see ( XXXX and XXXX images XXXX ) to get this matter resolved and I have been saving the payments. I simply want to continue to pay for home ; however, it seems everyone is giving me the runaround. And now, my home is scheduled to run in the paper again tomorrow and a sale date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: UT
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:
I have disputed accounts with the bureaus and have heard nothing. I filed disputes and saw no changes to credit, I got no letters and no correspondence. There are negative items on my account that need to be fixed. Please fix immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
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 is missing that should be on the report

Complaint:
Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Tulsa Adjustment Bureau
State: OK
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 XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also + states a consumer reporting agency can not furnish a account without my written instructions.

45.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for an purpose. 
XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management has been reporting an alleged debt on my consumer reports illegally. I have never done business with them, so I don't know how they ever received consent to my personal information. This is identity fraud. I have never legally given written consent/permissible purpose to furnish this alleged debt on my reports. Midland is a 3rd party debt collector attempting to collect an alleged debt. Midland has not provided any validation or verification legally required showing ownership of this debt. This includes the original contract with my wet signature. Their negative and illegal reporting is tarnishing my credit worthiness and hindering me from acquiring affordable living and transportation to provide for my family. This is causing undue hardship to all of us!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a loan from XXXX XXXX XXXX in XX/XX/XXXX and there were no escrow payments set up on the loan. This was an oversight on my part and ever since XX/XX/XXXX I've been trying to get this set up for my account, which is serviced by XXXX XXXX XXXX. 

Initially TMS asked me to write a letter of intent and mail it in XX/XX/XXXX, for which I never heard back. In XXXX I was told the letter was received and my request was being processed. In XXXX there was no change. I called to complain and nothing was done to further the status of my claim other than to disable and reenable my autopay and wait until XXXX. I waited until XXXX when I checked my account and saw that my autopay never set up and I was charged with a late fee of {$120.00}. I spoke to an agent and they told me that the late fee wouldn't be refunded I wouldn't be able to have escrow payments set up until XX/XX/XXXX. I was furious and told my story that I had been trying many months to do this and this was the first that I was hearing this. After being escalated to an agent, it was settled that it would be XX/XX/XXXX. Since, I was told that autopay wouldn't work until XX/XX/XXXX as well, and have accidentally made late payments ( I'm used to autopay ). Now that we're here in XXXX. I'm not even sure if it's been set up at all. They don't respond to my emails, or return my phone calls after leaving voicemails. I've made the decision at this point to refinance again and distance myself from the TMS service. To date, I've paid {$11000.00} in interest and {$220.00} in late fees. I'm extremely unhappy with the service and problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my balance in full on XX/XX/XXXX -- I selected pay balance in full and believed that I no longer owed any money on this account. I did not receive a statement in XXXX or XXXX, which I thought nothing about since the balance was paid. 

On XX/XX/XXXX I received a call from the collection agency stating my account was delinquent and past due. I questioned the balance and asked for the last purchase since my last payment. I was told I was billed a past due bill and the prior to that a past due bill. I explained that I paid my balance in full online and didn't understand. I was transferred several times and told my payment was due on XX/XX/XXXX and I paid XXXX which incurred a past due fee. I then explained that I had no idea and that I hadn't received a statement in XXXX or XXXX. If I had known I would have called immediately and paid -- I explained that I paid online and opted to pay my full balance. 

I also explained that I would not have allowed a bill to go past due if I had known about it. I asked them to look at my history and explained that this was clearly an error. The rep empathized and explained there was nothing she could do and that I could write in. 

Again I explained- does it make sense that I would pay {$3200.00} on a XXXX XXXX  credit card to then turn around get charged interest and past due fees on a past due fee. I told the rep I don't know why, but I did not receive the bill. She said her system shows it was sent so that proved they did their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
My account was charged a numerous amount of different transactions without my authorization. I filed a police report after being denied claims from my bank ( santander ). They told me i was denied because the person who took the transactions out of my account gave them documentation that they had my email address and mobile number. They took all of my funds and left my account on XXXX which is starting to add up because of overdrafted fees. I have never gave anyone permission to take a consecutive number of transactions out of my bank account ten transactions all different amounts. I have been banking with this bank for three years I trusted they would get to the bottom of this and they simply told me was not their problem, that it is my responsibility to protect my own account. I am a single mother of twins Ive had to borrow money from family members co workers in order to pay my bills. I was working a 9 hour shift when the transactions started to take place. I didnt notice until it was too late for the bank to stop this person from stealing from me. I filed a police report and the officer told me filing a report wouldnt help much. Im unsure of my next step Santander bank has the worst customer service each representative told me it was my fault.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Mortgage company says my payments are 30 days late and also say that Im bankruptcy. Keep on getting letters.

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 2023-01-26
Company: EQUIFAX, INC.
State: CA
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:
late payment IN XX/XX/2022 that XXXX  XXXX XXXX  account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

XXXX XXXX XXXX XXXX XXXX XXXX 
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I authorized a charge to my Capital One Credit Card ( ending in XXXX ) of {$4900.00} by XXXX XXXX XXXX in XXXX, XXXX. The merchant claimed that this charge was for capital gains taxes for sale of my timeshares. In fact, this claim was a lie and I received absolutely nothing for my expenditure. I disputed this charge with Capital One ( XXXX XXXX XXXX ). On XX/XX/XXXX, I received a letter from Capital One stating that they credited the charge back to my account, but they needed more information from me. I supplied the requested information as best I could. On XX/XX/XXXX, I received another letter from Capital One stating that my dispute was rejected based on information supplied by the merchant and the charges were being reapplied to my account. They also said that I could continue my dispute by responding to the merchant 's documentation. I received this documentation XX/XX/XXXX. I provided a detailed response to Capital One which is included here as a series of attachments. These attachments detail the facts that the merchants documentation includes fabricated documents, one document includes a forgery of my signature and the hotel where the merchant claimed that I stayed has no record of me. My case was again rejected by Capital one even though my response clearly demonstrates that the merchants claims are fraudulent and without merit. All of the documents that I attached here have been provided to Capital One except for the document titled " Summary of Discussions With XXXX Supervisors '' dated XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: MD
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 LJ accordance with the Fair Credit Reporting act XXXX  Account : XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose *Please remove all late payments associated with this account and turn them current. 
The dates of the late payments I need removed are : XXXX late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I need you to look at the attached documents to understand what happened to me and my credit 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
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: CO
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 have sent two letters to Experian, one in XX/XX/2022 and the other in XX/XX/2022 regarding an account that they are completely reporting inaccurately. 

They have listed the account as " verified consumer disagrees ''. However I believe this to be false, due to the fact that if they actually investigated it, they'd see how THEIR reporting is NOT ACCURATE. 

1 ) The account is CLOSED- they have it listed as OPEN. 
2 ) They have a balance reporting, it should be XXXX. 
3 ) The Payment status is reporting " current was past due 180 days or more '' which is INACCURATE- look at the two year history there is not a late payment on there at all. Secondly, a payment status is supposed to be THE CURRENT PAYMENT STATUS - which would be " Paid as agreed ".

4 ) They do not have a last payment date, last active date is incorrect This is ALL WRONG and it is NOT the furnishers error- it is EXPERIANS MISREPORTING of information. 

Ive attached BOTH letters I send via certified mail, as well as a copy of my credit report supplied by Experian highlighting the inaccurate 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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America blocked my business checking accounts with them. I've attempted to contact them on several occasions. Bank of America never notified me in writing, and or by phone. After sitting on hold for several hours I spoke with an unidentified male, who would not provide any more details on my account closure, but that I needed to visit a local Bank of America branch. I have previously done this on several occasions prior when I first opened the account. Bank of America required I go show two forms of ID and that the manager update the information. I have about {$400.00} that Bank of America is holding in the account and is refusing to reimburse the money to me. 

Bank of America has not been honest and transparent with their banking practices with their clients.

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