BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: ARVEST BANK GROUP, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was able to pay off my mortgage earlier this year. I'd been saving up to finish with 3 extra large payments of XXXX each. My mortgage belongs to Arvest Mortgage. 

I set up my bank to pay my mortgage company 3 checks of XXXX each, each 2 weeks apart. I bank with XXXX, an online bank. 

My bank had issues and sent 6 checks before I caught it. By their own admission ( in writing ), the " send x checks '' feature was broken. Since the payment was made by wire transfer, my bank says they can't do anything about it. 

Of the last 3 checks, 2 were rejected and credited back to my account by the mortgage company. The last one never was. So now I'm 3k short. 

I have tried contacting the mortgage company only to have the customer service person tell me " they are looking into it '' for the past 3 months. I tried sending an email and still no response ( it's been 1 month ). All calls and emails have been documented on my end. 

I feel stonewalled by both institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Complaint Title/Subject : Fraudulent cashing at BNY MELLON in XXXX, MA on XX/XX/2022 of XXXX Charitable Check # XXXX, pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX. 

I'm the grantor of the said XXXX Charitable Account. I requested XXXX XXXX to mail a {$500.00} donation check to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX The XXXX XXXXXXXX XXXX XXXX XXXX  never got the check. 

A scammer or fraudster stole the above-mentioned check, endorsed it and deposited it to BNY MELLON in XXXX, MA as evidenced by the fake endorsement on the back of the check that XXXX Investments showed me as proof of encashment. 

BNY MELLON in XXXX, MA should have never encashed the check and should return to my account at XXXX Charitable the {$500.00}. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$720.00} XXXX XXXXXXXX Balance : {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to apply for bi-weekly payments. I completed the form and returned it to the servicer XXXX Dovenmuhele ) and they did not process it. When I called them they said it was put in a " suspense '' folder but that there wasn't a reason for it to be in a suspense folder. Then she said I needed to submit the form a second time. This is very common with this servicer. They do not do what they are supposed to do the first time. They take no ownership of problems and then they want the customer to do something again because they can't do their job correctly the first XXXX second or third time ). Then they suggested that I email it to them using a method which is not secure which does not protect my non-public information. Because of their error, enrollment in this program will be delayed another month. I asked for some sort of expedited processing, however they refuse and say I just need to re-submit the form and it will sit at the bottom of the line until they decided to look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I opened a personal checking account online with First National Bank. It's been 3 weeks and I still didn't receive the debit card. Because of that, I'm not able to create an online account, access my funds, sign up for e-statements to waive the monthly fee... etc. I contacted customer service by phone on XX/XX/2023 and by email on XX/XX/2023 without a solution. The physical branches of this bank are all closed on Saturday and Sunday. It's not an option for me to stop by and get a temporary debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX There are some inquiries too that are not mine : 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 explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-29
Company: Affirm Holdings, Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
i applied for loan and cancelled loan less than 24 hours. i never reviewed any money or product from transactions. i filed notice of cancellation and refund with company XXXX XXXX and XXXX   XXXX since XXXX they have reported the account late and only updated every month sonce XXXX indicating they are still investigating. they are holding my credit hostage and blocking me from any other credit line opportunity. violation of FCRA If the debt collector has not supplied the demanded proof of the alleged debt within 30 days you may presume, under the doctrine of estoppel by silence, that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
See : Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Account information incorrect

Complaint:
To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : SYNCH-******************* Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX allowed someone to add me as an authorized user on their credit and I reported it and removed it and soon after they opened credit in my name and I let XXXX  XXXX XXXX  know it wasnt me and they still put it on my credit after they said it would be sent to their fraud department, I was never called!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: ALLY FINANCIAL INC.
State: GA
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:
XX/XX/XXXX I had an amount of XXXX come out of my account ( XXXX XXXX XXXX, CA ). I received a fraud call from Ally Bank and I disputed it with Ally Bank and they sent me a new card. I never authorized this to come out of my account. Ally Bank says it's XXXX, but there is nothing in XXXX that is connected to the Checking account AND there is no record on XXXX of that amount or that seller. Ally Bank is refusing to refund my amount of XXXX and blaming XXXX. This issue has been going on since XX/XX/XXXX. No one would talk to me at Ally Bank and say I had to wait for a letter. I just received a letter about the dispute and Ally Bank said they closed my dispute and I am stuck with missing 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 monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is reporting three late payments they claim were verified by creditor XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I find this hard to believe that a thorough investigation was conducted. Did they interview family members, my neighbors? What is the method used validate this information. Please show my written consent to share my consumer information. Do they have names, addresses, visited to validate this information? If this was completed please provide full details. 

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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-10
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX credit card was fraudulently charged and they determined that it was fraud, issued me a refund check in the amount of XXXX which I had paid off because we were in the middle of a home purchase and could not wait for their fraud investigation to finish. They finally determined it was fraud then they added the amount back to my card that was fraudulent and started calling me over 20 times within 20 to 30 times within 2 hours. This almost cost me my job and caused me to be sent home cost me XXXX XXXX XXXX in pay. Now they want me to pay XXXX thats including the past due on charges that they deemed fraudulent themselves.This account should be a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I ( XXXX XXXX XXXX was involved in a XXXX case along with my girlfriend ( XXXX XXXX ) and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. I notified XXXX about the bills and she said not to worry about them, she wanted me to take pictures of the bills and send them to her because she stated that she will handle it. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. I contacted XXXX about the collections, she has been little to no help what so ever. We both filed and submitted a dispute late XXXX with XXXX and Equifax with mixed results. XXXX removed the collections from my credit score account on XX/XX/XXXX however, Equifax has not when it is the same dispute. I filed a dispute XXXX times with Equifax and yet, results come back the same that it is accurate and that I am liable for the collections. I do not understand why XXXX removed the collections from my credit account within a week but not Equifax. I have screenshots of text messages with XXXX for supporting evidence to back up my complaint. Side note ; on XX/XX/XXXX, I spoke with XXXX XXXX XXXX himself and he said that he will be of assistance and write a letter stating that we are not at fault and shouldn't have been sent to collections. My XXXX XXXX is also having similar problems but she will submit her own complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I are looking into purchasing our first home and the credit company helping us brought it to my attention that there is still a kohl 's charge card that was opened in my name : KOHLS/CAPONE with a balance of {$1200.00} last updated on XX/XX/XXXX. I have never once opened an account with them and was informed to inquire about them violating FACRA because I have tried disputing this before back in XXXX and nothing ever came of it I guess since it is still on my list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE LATE PAYMENTS : 1 ) XXXX XXXXF 2/ XXXX XXXXXXXX 3 ) XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX CLOSED WITHOUT KNOWLEDGE )

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 2022-01-04
Company: BANK OF THE WEST
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. BANK OF THE WEST item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BANK OF THE WEST 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 2019-10-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 My cell phone ( XXXX ) was ported over to a different carrier and many of my accounts were hijacked in an attempt to steal my identity. 

My XXXX account ( XXXX ) which was a recovery email was also hijacked. I am unable to recover my XXXX account. I have made several attempts to recover this, but am unable to speak to a human being to solve my issue. It's amazing that someone could steal my account that I've had for almost 30 years, and I can't prove that it's mine. 

I am unable to recover my EquiFax account. I have made several, unsuccessful attempts to recover both. Security questions that are asked for recovery have items that I can't answer because they're not mine.

Company response to consumer: Closed with explanation