BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Discover checking account closed out several months ago, remaining funds in account not received, the amount of {$140.00}, at time of closing. The last four of account ends in 1960 to best of my knowledge. The attached letter shows funds in amount of {$690.00} deducted from account several weeks ago, sent to XXXX XXXX for a fraud claim check, XXXX XXXX has no record of any such payment or any payment for that matter. Discover rep ( s ) claim remaining funds, the amount of {$140.00} sent to XXXX XXXX in addition to amount of {$690.00}, neither payment received as stated prior, confirmed with several reps in XXXX XXXX executive office.. Further, XXXX XXXX does not accept partial payments such as the amount of {$140.00}, would have been rejected back to Discover, as stated by a XXXX XXXX with XXXX XXXX executive office.. I've explained this in prior CFPB complaints in re, nothing resolved to date..Discover has yet to send me remaining funds in amount of {$140.00} or amount of {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: MO
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:
Same thing they are no fixing my account

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 2023-05-30
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing received an insurance renewal from my insurance company XXXX XXXX XXXX ) and never paid the renewal premium. My insurance lapsed and I was charged a {$1200.00} " escrow advance '' fee for temporary homeowners insurance that I should never of had to pay if Fay would have paid my renewal premium. 

On my insurance company 's website portal ( XXXX ), they show that a renewal notice was sent out to Fay servicing to pay prior to the expiration date. When I contacted Fay Servicing at the beginning of XXXX about this issue, they said that they would look into it and that they " upgraded their computer systems and had glitches ''. They told me that there may be no refund for the interim insurance. Nobody from Fay has ever gotten back to me regarding this yet and I've called several times to clear this up. Their phone systems are convoluted and confusing, and their associates are less than helpful and never follow up.

I believe this is a scam that Fay is doing in order to get their " Escrow Advance '' payments. As in, they're letting some of these insurance premiums lapse by not paying them and then the consumer has to pay for inflated interim insurance, they received two notices of payment and still didn't pay ... for me it was {$1200.00} for 3 months of insurance until I was able to get everything squared away. 

What makes things worse is it's very difficult to get off of their escrow services because now my account is in the negative and they want me to pay to get it back to zero, even though it should actually be positive. Somebody please help me, I feel that I'm being scammed here.

I should be owed a refund of {$1200.00} because Fay forgot to pay my insurance company and I should be able to get off of escrow. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Critical Resolution Mediation LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted on XX/XX/2018 By a company that said they were collecting on behalf of XXXX XXXX. I once had an account with XXXX and it had been paid off. Come to find out after looking at XXXX XXXX I owe them {$81.00}. 

This woman XXXX from Critical Resolutions Mediation or XXXX XXXX XXXX as per my bank statement ... she started rattling off my personal information. All the address I have ever lived at, my social security number, my date of birth, my drivers license number. They said they were in the process of suspending my license with the DMV and going to press felony charges against me and also garnish my wages by XXXX XXXX  because of this debt I owed to XXXX. I supposedly owed them {$1600.00} but they would settle for {$800.00} to keep me out of jail. I never had a call like this and believed them because they new all my personal info. Said if I wanted to see my kids again, that I would settle this up before I hung up the phone or they would process all this paperwork. 

After falling for this SCAM, I googled the company XXXX XXXX XXXX out of XXXX GA, and also Critical Resolution Mediation in XXXX NC, and both companies came up as a scam. I didn't know that debt collectors couldn't threaten you, I have never had a debt. I didn't even know this was on my credit until I checked this morning. 
When I checked my credit report XXXX did show up with {$81.00} and the debit collector was XXXX XXXX XXXX out of XXXX KS. Not these con artists ... 

Anyways they took my credit card info and said I had to make 3 payments to pay off the {$800.00}. They took the first payment already and I tried to get my bank to stop it and they can't. 
Please don't fall for this scam as I did. Now I'm out {$270.00} and I hope they find the horrible people that rip people off. 
These are the names, email address, and phone numbers that harassed me. They even called my children on their cell phones at school and told them I was going to go to jail if I didn't call them. 

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX is who initially called me XXXX The lawyer that threatened me and my kids XXXX XXXX XXXX ext XXXX The name listed on the receipt of my payment- XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My personal credit information is not reporting on Trans Union XXXX XXXX and it is not allowing me to obtain 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: FL
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: ASSURANCE FINANCIAL GROUP, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
I contracted with XX/XX/XXXX to build my house for {$700000.00}. I gave him a {$100000.00}. downpayment & financed the balance with Assurance Financial. Although the loan came to {$610000.00}, after he received {$600000.00}. from my finance company he was only due a balance of {$650.00}. based on our contract. Instead XXXX XX/XX/XXXX he requested a {$13000.00}. final draw + {$2400.00}. totaling {$15000.00}. During the build we did 3 Addendums totaling {$16000.00} which equates to him receiving a total of {$720000.00}. of my money. The finance company informed me that he received {$31000.00}. ( in draws ) for items I paid out of pocket. When he requested the initial final draw, I questioned the {$31000.00}. & he ceased communicating with me. Finally, XXXX XX/XX/XXXX he sent notification of a lien placed on my house for {$56000.00}. I've requested to be provided what this money is for but haven't received it. Now, after not holding the builder to a completion date, the finance company has issued a demand letter for the {$600000.00}. they paid the builder to close on the construction loan in 30 days or I'll be in default & lose everything, knowing that someone has offered the builder {$1.00} XXXX for my house & I have no way to pay this money by XXXX XX/XX/XXXX. After all this the builder has vandalized my house & took the 4 AC units so now I have to pay for the repairs & replacement before I can even attempt to get a final inspection. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX  XXXX Balance : {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 BMO HARRIS treated me like I didn't own my own account even though I passed the verification questions. I called days before and never had to deal with getting my money from my own account that they plan on closing anyway. They re making me print out papers, getting the papers notarized just to prove ots my account. They won't let me access my own money. The are keeping me from withdrawing my money from my account by using the excuse that I'm not verified even though I verified myself by entering my social and phone code along wit answering 3 questions

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 2023-09-21
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: ENOVA INTERNATIONAL, 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:
I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, NET CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: LA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 




there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Majority USA, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/15 - I was unable to log into the Majority online app to access my account. I requested online support to resolve the login issue. I received the following message : " XXXX XXXX, The trust and security of our members and their accounts are of the utmost importance to us. For this reason, we routinely review accounts to ensure there is no potential risk. During a recent review, we discovered unusual activity on your account, which is why we have decided to close it. 

No further action is required from you at this time. 

Thank you, The MAJORITY team '' I replied 3 times with messages over phone and email asking for more information. I have not received any additional information. 

Additionally, Majority has not provided me any documents after my account was applied for and opened, or since its closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I previously received a loan modification of my mortgage with Mr. Cooper in XX/XX/XXXX. That same year in XX/XX/XXXX I was having financial difficulties and could not pay my mortgage. I was working with Mr. Cooper to try to reinstate my loan when the pandemic hit. I applied for and was granted forbearance for my payments. They let me renew my forbearance for a year. In XX/XX/XXXX I contacted Mr. Cooper and asked for a loan modification on my mortgage. I am able now to resume paying my mortgage but unable to reinstate the loan with a lump sum payment of {$53000.00}. They say I am not eligible for a loan modification because it has been modified before also I defaulted in the first 12 months of the modification but YET they let me have forbearance for a year! There was NOTHING in the loan modification stating these investor regulations. When I asked them they said the investors go by XXXX XXXX guidelines. I had no way of knowing this! They NEVER have contacted me after my forbearance was over, I have had to contact them every time. Mr. Cooper is NOT helping save my home their only options are to fully reinstate the loan or sell the house. They have not even offered a repayment program for my past due payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This complaint involves my Apple Card Mastercard that is managed by Goldman Sachs. 

On XX/XX/2021, a charge of {$240.00} was added to my account from a merchant in the State of Georgia for food and beverages ( see Attachment A ). I was not physically present in Georgia on that day and I did not authorize the charge. On XX/XX/2021, I disputed the charge and a provisional credit was added to my account in the same amount, {$240.00} ( see Attachment 2 ). On XX/XX/2021 the provisional credit was reversed on my account thus resulting in the {$240.00} being added back to my account ( see Attachment 3 ). On XX/XX/2021, I received an email from Goldman Sachs stating that the dispute was resolved in my favor, and that the provisional credit would be permanent ( see Attachment 4 ). The root of the problem is that the provisional credit that I received on XX/XX/XXXX was taken away thus resulting in the {$240.00} staying on my account. The charge was the result of fraud and I should not be held responsible for this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RE : Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

My XXXX XXXX Number XXXX XXXX Name, City, and XXXX is and only is XXXX XXXX XXXX XXXX, Texas XXXX My current Legally acquired lawful Social Security Number last four is and only is XXXX My Date of Birth is and only is XXXX ***ABOVE listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete correct METRO 2 Formatted compliance of reporting standard ( s ). These are REQUISITES of REPORTING, NOT OPTIONS of lawful reporting so PRODUCE undeniable DOCUMENT certified PROOF of claims and the claims reporting processes and format ( s ) compliant nature or else ERADICATE said claim, be it true or not. DO SO NOW!

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) | XXXX - {$7700.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) | XXXX - {$7300.00} XXXX  | XXXX - {$7700.00} XXXX  | XXXX - {$7300.00} XXXX  XXXX | XXXX - {$5600.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief