BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: Flagstar Bank, N.A.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank, XXXX XXXX XXXX XXXX, MI XXXX is engaged in an unfair and deceptive practice with regards to making mortgage loan payments. 
Our mortgage was recently transferred to Flagstar so I called to set up recurring payments. I was asked if I would like to set up bi-monthly payments that would save on interest costs over the life of the loan. 

I know the difference between bi-monthly and bi-weekly. I specifically asked the specialist if the payments would be taken twice per month, reducing the outstanding principal with each payment, thereby reducing the interest paid monthly to reduce the term of the loan. She responded yes that was the case. I asked the question again, just to be sure of what was being offered and again she answered in the affirmative. 

I agreed to have the paperwork sent to me, but upon reading it, realized the agreement did not match what I had been told on the phone. The agreement would take the normal monthly payment ( e.g. {$1000.00} ), divide it in half ( {$500.00} ) and deduct that amount from my checking account every 14 days ( 2 weeks ), not  twice per month. So there would be months where three payments would be made instead of two. These payments would be taken and held in advance of the due date, so even though I have lost the use of the funds, it would not count towards principal reduction. Additionally, the {$500.00} example payment would be held and unapplied until a full {$1000.00} payment is deducted. So, the 'benefit ' of the program would only be realized at the end of the year. 

I understand that the paperwork states bi-weekly but that is not how it is described on the phone and sold to the consumer. Furthermore, the consumer should get immediate credit against the principal balance, for the deducted funds taken every two weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: NC
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 contacted all 3 credit bureaus regarding wrong information in my credit file. I even submitted a copy of my identity theft affidavit 40 days ago and these companies are still refusing to remove negative and inaccurate information from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NC
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 incorrect, and they are adversely affecting me livelihood. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: National Credit Adjusters, LLC
State: TX
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:
NCA has paid the Credit reporting agencies to report a collection on my consumer report. I was never sent any information to challenge the validity of the alleged debt. This has damaged my credit and has caused me to be denied extensions of my credit and caused me to pay higher interest rates and fees. I did not consent to contract with this company nor do they have permissible purpose to have my information which could be considered fraud and identity theft. This account is showing as an open collection and has XXXX XXXX as the original creditor which I also have no contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I find that the Bank of America online banking website for my   XXXX   XXXX   XXXX   card lacks enough basic information in obvious locations to educate consumers on their processes. This practice seems predatory. The statement balance amount and due date are n't automatically populated when you go from Account Overview to the Bill Pay Center tab of the site, which creates an extra step prone to human error while transferring the information from one place to another. The Bill Pay Center tab also does n't provide sufficient information, anywhere, that explains the different between  e-Bill  and  Recurring  Payments. When you try to establish an automatic payment, the website warns you that it takes a complete billing cycle to go into effect. My  XXXX  balance was paid twice (  XXXX / XXXX /  XXXX   &  XXXX / XXXX /  XXXX   ) and the latter was my e-bill initiated payment, which I was led to believe would NOT go into effect until it was time to pay my  XXXX    XXXX   statement. The website should provide a warning that my e-bill initiation would cover a specific statement. Consider elderly people, people living paycheck to paycheck, or young credit card holders that can not afford the mistakes that the BOA website seems designed to lead people to make. The mobile application is not much better! Until recently, your monthly statement balance was not easily located and also required poking around on lots of screens until you discovered useful information like statement balance.

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 2023-10-02
Company: EQUIFAX, INC.
State: CA
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 kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX  XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
on XXXX XXXX, Chase bank issues an updated policy titled " Chase digital service agreement ''. The file is XXXX pages long, and is full of technical jargon and details that are difficult to read and understand. Additionally, Chase is REQUIRING the user to fully accept the agreement, or the user will no longer have access to use any online features. ( Banking, reading statements, etc ). 

This action is extremely restrictive and is forced on the user with no choices to accept or lose use of the app and its functions, which for many people, is their only way to perform most if not all of their banking needs. This action takes any and all choice away from the user, except for " comply or get out ''. This unfair business practice leaves the user handcuffed and unable to do anything to maintain our rights as consumers with regard to policy changes. Chase knows that 99.5 % of people will blindly agree to this, knowing that the XXXX pages of details are WAY TOO MUCH for people to read or understand, and in this way forces whatever policies and requirements on a unknowing consumer just to fit the needs of the bank, and giving nothing but rules and restriction to the people they are supposed to be serving. 

I see this as a strong armed attempt to force the user to follow their demands without any concern for the consumers rights and freedoms. This must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: SANTANDER HOLDINGS USA, 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 information incorrect

Complaint:
I got a car from a dealer which the contract was fraud and I wanted to unwind and I was asked not to make the first payment by their customer representative

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Solar Mosaic LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Mosiac with XXXX XXXX pressured us to buy 115 % of solar on my roof. It does not produce 115 % not even close. I turned in complaint to federal regulator. I would like the solar panels removed from my house or they can pay them off. they are now restricting my selling of my home. 
The panels failed, and misrepresented to me, I have documented proof. Also, the salesman spoke with Mosiac while we were buying them, and he stated that they will come after me if I do not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: M&T BANK CORPORATION
State: NY
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:
On XX/XX/2023, I was discharged after receiving hospital care at XXXX XXXX XXXX in XXXX, XXXX XXXX. As I was checking out, I had to pay my hospital bill, as well as my hospital cafe bill. These were done in two separate transactions. When it came time to pay the food bill, the total amount was XXXX XXXX XXXX ( about XXXX USD ). The hospital instead charged me in USD, charging nearly {$5000.00} in excess of the amount that I was supposed to be charged to my debit card. 

The hospital soon realized the mistake and promised to fix it. I also submitted a claim with my bank, M & T bank, about the fraudulent charge. I submitted the receipt, as well as emails and texts with the doctor in which he acknowledged the problem, and promised to help fix it. Ultimately, M & T bank denied my claim, as they said the hospital was telling them the charge was not fraudulent. This was in direct opposition to what I was told. The food bill for a hospital stay in XXXX being XXXX USD is not a possibility. Menu is attached to show the cost of food items- over a four day hospital stay I had accrued a bill of XXXXXXXX XXXX XXXX, but doing the same in USd would've taken months, as all food options were very inexpensive. 

Despite saying they would help me, XXXX XXXX hospital has kept my nearly XXXX USD, claiming it is not a fraudulent charge. They have committed fraud against me and robbed me of a massive amount of money, and my bank is being no help in recovering the funds. 

M & T is claiming the XXXX USD charge was to pay my hospital bill. This is false, as you will see in my submitted evidence that I paid my hospital bill ( XXXX USD plus 3.5 % credit card fee ). I am also submitting credit card bill to show I paid the hospital medical bill on my credit card, and the debit charge was separate, and fraudulent. 

You will see in attached bill I paid my XXXX USD hospital bill ( XXXX + credit card processing fee ) on XX/XX/2023 via credit card at XXXX XXXX  local time. The fraudulent charge of XXXX occurred later, at XXXX ( XXXX XXXX  ). This was outside of hospital financial office operating hours, so it does not even make sense that this charge could've been for my hospital bill. 

See attached documents for these two separate charges to see why one was for the hospital bill, and the other a fraudulent charge at a not agreed upon amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$49.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lawful Notice of Dispute TO : CREDENCE RM RE : Account Number : XXXX To Agents or Assigns at : CREDENCE RM I am in receipt of a computer-generated letter from your company dated XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and CREDENCE RM. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g.

Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XXXX my account was closed down. I have banked with CHIME for 4 years. I recently this year decided to do my taxes with chime. Once my refund deposit of XXXX $ was deposited chime froze my account. I went through verification over the next 4 days they wanted me to prove that it was me, and my deposit. I had to upload my 1040, DRIVERS LICENSE, social security card, BIRTH CERTIFICATE, irs transcript, irs acceptance letters and more. I provided all documents that were needed and I got a response from multiple supervisors that they were going to issue my closure check for the remaining balance of my account. I have been getting emails from chime now basically telling me that Im there not sending me back the money I work hard for. Chime has taken money from multiple people I no and I will not accept it and willing to fight for what is mine. They even sent me a email telling me to provide how I made my money in the state it was deposited really trying anything to not give me my money, I proved that to the IRS and showed how that is in fact my money. I am reaching out to legal teams and is ready to fight

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I tried signing up multiple tes for my stimulus pandemic relief fund im Renewable rescourse through water wind and need some assistance to complete getting a secure phone and data plan XXXXXXXX XXXX  XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: TX
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as correct the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XX/XX/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

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 2022-09-29
Company: Experian Information Solutions Inc.
State: TX
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$49.00}

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 2019-06-06
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX/XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.

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 2023-09-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been receiving several calls per day ( see attached screenshots ) from Sequium Asset Solutions , LLC ( http : //www.sequium.com/ ) who are using a telephone number spoofing service to appear that they are calling from my area code ( the area code for my phone is XXXX, which is the XXXX area of XXXX XXXX. They are based out of XXXX, and even admitted to this while I was in communication with them. The last individual I spoke to from their call center, likely outsourced to XXXX, had a very thick XXXX accent and claimed his name was " XXXX XXXX ''. They do NOT have prior permission to call my personal phone number, nor have they ever received permission to call my personal phone number. 

While I am from XXXXXXXX XXXX, I currently live in XXXX and have been living here for several years. My current number is a rather new number and I have no contacts ( including family ) from the XXXX area nor anyone from that area who has my number. As you can see from the screenshot provided, the spoofing algorithm from whatever likely illegal service they use for this sort of calling is rather lazy and there is little variation in the spoofed numbers they call from. 

You may contact me for more info.

Company response to consumer: Closed with explanation