BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
They Call me multiple times a day even when I told them the date I get paid. When I talk to them they disrespect me with things like pay your bills even when I explained I got XXXX  they didnt want to help me, then I lost my job they didnt want to help me. A Supervisor took the call because I was due for two months and they didnt want to take more than just a regular payment until I had all two months of mortgage, they are rude and I dont even want to answer the phone because they call to argue or downgrade me, I told them if they didnt take the payment i was going to file a complaint against them. I told them the next payment I will make it on the XX/XX/26 and they called me twice today that I had agreed to make payment today. When I asked for a supervisor name they denied giving it instead I was told to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
[ 15 U.S.C. 1681 ] ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system on these days my credit was fraudulently used. 
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 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 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 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I received multiple emails stating that I had opened an account at Bank of America and I needed to confirm my updated email address. I did not authorize the opening of any accounts and do I bank at Bank of America. I did contact the company 's fraud department and they did confirm that an account was opened in my name, and did close the account. I was advised to file a complaint with Consumer Finance and put a freeze on my credit. I also subscribe to a credit monitoring services. This company had all of my personal information and has created some fear.

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 2022-10-18
Company: Mercedes Benz Financial Services
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2021 I came into the Mercedes-Benz XXXX XXXX XXXX XXXX XXXX personally finance a vehicle on a credit transaction and was denied and was not given a written notice per the requirements of the ECOA pertaining to the specific determining factor of why I was denied. Also, they shared my private information with third party companies without permissible purpose. The FTC says that this is credit discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$11000.00} ; ( XXXX : XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$41000.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
applied for unemployment on XXXX but never received us bank reliacard in the mail .I have called multiple times & told my card is on the way. 1st call I was told to wait to see if they get the card returned by mail to call back 7 to 10 days. 2nd time told address was updated & they will send new card. 3rd time address was never updated & card was never sent was told to call back in 5 days to verify my address. 4th time i called to find out a replacement card still has not been sent. been told 3 times a new card will be issued & sent out to find out that it was not ever sent at all.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to file a formal complaint concerning my multiple and unsuccessful attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite my persistent efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The specific issues I am disputing are as follows which needs to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XX/XX/2023. 

I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to addresses, collections, and inquiry. 

Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Unfortunately, despite my diligent efforts, the inaccurate addresses, collections, and inquiries persist on my credit report, causing undue financial harm. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies.

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: OR
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 owe money to XXXX, XXXX or XXXX XXXX there is no contract between me and them and I have asked experian, XXXX and XXXX to produce proof of contract and they have not

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 2023-06-08
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have just received information from CFPB about a dispute I filed with the collection agency XXXX XXXX XXXX '. The response to my dispute is that the collection agency removed the erronious collections report BUT only from XXXX Credit Bureau, XXXX. The XXXX other Credit Bureau 's have not been contacted by this collection agency to remove these errors, XXXX and TransUnion - even after I acquainted this information on MY credit report to them XXXX times, which they agreed they reported in error. 
This has been an ongoing issue since XXXX/XXXX/2015 with many hours of work that I have done ( more than XXXX hours daily since XXXX/XXXX/2015 ) to correct this abusive and now malicious, incompetent reporting that has caused me a great deal of distress! ( XXXX credit Bureau informed me that my credit score dropped more than XXXX points because of this collection report! ). The collection agency XXXX XXXX XXXX ' have always agreed, each time that I have called and spoken with the secretary thru the manager, that it was a mistake and that they would correct it or have it removed from MY credit reports. This has NOT been done except the correction with XXXX and that was changed only because of myself filing my dispute. 
I have gone thru, in detail, the information with the FCRA and have found several discrepancies in the steps that are legally required for the collection agency XXXX XXXX XXXX ' should have adhered to with MY situation. They have illegally ignored or are very inept with any knowledge of the steps for credit reporting, removing the incorrect information, and many more innumerable legal required practices. I have discerned any and all steps I can legally attain because of their incompetent actions. I have the data that I acquired if needed. 
This is a very disconcerting situation with this collection agency XXXX XXXX XXXX ' and I am asking what steps, if possible, that you are capable of taking with their illegal practices of the FRCA?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been charged over a XXXX dollars in two months interest. They refused to help and the methods used by the company were atrocious. I was offered this card while my pet was on his deathbed. I thought the card was like any other, but it is not. They say they have the legal rights to charge me as much interest as they want. The card is care credit

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 2021-05-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced my home in late XXXX through XXXX XXXX, and generally had a very positive experience. My previous mortgage was being paid via electronic transfer every two weeks. We asked for this same protocol of biweekly automatic payments from XXXX, and that was agreed to, at no additional charge. 

In XX/XX/XXXX, XXXX wrote to inform us that that they had sold or re-assigned our loan to " Mr. Cooper ''. We were prepared for this, as it was a condition of the XXXX refinance and we have experienced it before with other refinancing transactions. 

What we were NOT prepared for, and what we are seeking assistance on from the CFPB, is that Mr. Cooper is seeking to charge us a fee in order to continue biweekly payments on the mortgage, which we estimate will cost nearly {$900.00} over the life of the loan. By continuing to pay biweekly ( rather than monthly, the default with Mr. Cooper ), we expect to save over {$5100.00}. 

On the FAQ from XXXX, it says the following : " Can the new servicer change my loan terms, due dates, or grace period? Your loan terms will remain the same. 

Both XXXX and Mr. Cooper say that biweekly is a " payment option '', not a term for the loan. But how can the " same loan '' originated at XXXX cost me nearly {$6000.00} more if I opt for the no fee payment option? And how can the biweekly payment option that was foundational to my XXXX XXXX cost me extra to continue. 

Stated differently, Mr. Cooper is charging me nearly 20 % ( ~ {$900.00} ) of the savings ( ~ {$5100.00} ) that I rightfully expected, based on my original deal with XXXX to accept payments on a biweekly rather than a monthly basis. 

Surely I am not the only consumer facing this unfair and predatory treatment. If CFPB is not working on this issue, it should be. If you have the power to make Mr. Cooper drop their {$65.00} annual fee to make bimonthly payments, you should apply that power NOW, in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Arbor Residential Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my mortgage monthly payment increased dramatically, causing me a hardship which led to eventually not being able to afford a mortgage payment. XX/XX/XXXX, XXXX XXXX started a foreclosure process against me. Months later a different bank XXXX started to send me collection letters. Now, a company Seneca is requesting payment from me for my mortgage. In XXXX, I tried to do a loan modification with XXXX but it was denied. Then, in XX/XX/XXXX submitted XXXX other loan modifications which were denied without specific reason with XXXX. In XXXX XXXX, I submitted another application with Seneca but it was, again, denied for no reason, just day after the application was sent out. There is something wrong with the legality of this loan. Something tells me that this is a fraudulent loan.

Company response to consumer: Closed
Consumer complaint received 2023-02-22
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to XXXX back in XXXX of 2022 to become a customer with them. XXXX was advertising free phone with new service, so I went in to pick out a phone and they told me I had 14 days to try it out. Well I called them a couple days latter to tell them the phone was getting hot and 11 days later I took it back and told them I didn't want it. It cost me XXXX to get out of the store with supposedly a free phone. They never told me about all the hidden charges. Now I've got a debt collector months latter for a bill that XXXX can't provide me with a brake down on how this bill occurred 5 months later and they tell me the account has been closed since XX/XX/2022. I'm wondering how I can get a bill from a closed account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I have two Capital One credit cards, at issue is my XXXX XXXX card. 
I have used this card with XXXX to purchase goods and services, also make a charitable donation as follows : XX/XX/XXXX {$240.00} services XX/XX/XXXX {$160.00} services XX/XX/XXXX {$50.00} refund for a computer purchase sent to client XX/XX/XXXX {$100.00} charitable donation to XXXX XXXX XXXX XXXX, an organization that supports families of fallen police officers. 
CapOne NEVER disclosed that XXXX transactions were considered cash advance, and in addition to the 29+ % interest they charge on my balance, CapOne also charges more than 29 % interest on the cash advances. 
I contacted CapOne by phone on XX/XX/XXXX. This is when I first learned that XXXX was considered a cash advance ( even though it's not ) and was told that cash advances can not be paid off separately. Furthermore, I was told CapOne will continue to charge 29 % on the card balance plus an additional +29 % on the cash advances until the ENTIRE CARD Balance is paid off. 
By virtue of their failure to disclose this predatory lending scam, their failure to disclose XXXX was considered a cash advance, their failure to disclose that the actual interest rate is MUCH HIGHER than the already crazy 29 % CapOne is knowingly taking advantage of their customers many of whom are not able to pay off these gigantic balances that mysteriously grow every month even though customers are religiously making payments to knock down the balance. I am unable to log in to CapOne to obtain a copy of my most recent statement, as they have locked my sign in credentials for some unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector removed reporting from 2 out of 3 Credit bureaus I want it to be removed from XXXX as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: TX
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:
In touch credit union damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had in touch credit union on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true

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