BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: HW Holding, Inc
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved into the XXXX XXXX apartment complex in the summer of XXXX. I began noticing inconsistencies in their contracts, verbal agreements and even in respecting our privacy. Many times the maintenance man brought people over to tour the apartment without giving us 24 hour notice or asking if we were comfortable. This individual has been accused of certain behaviors by my previous roommates, other tenants in the complex and myself. There were times things would be moved throughout the apartment that were not moved before, lights turned on that weren't before, etc. These would take place when no one would have been in the apartment for days at a time. During the summer of XXXX, XXXX was making it impossible for most of the world to be employed. Instead of understanding how I was one of the individuals that was unemployed and had paid my rent in advance, I wouldn't need to owe them any more money when it comes to my stay there. Many tenants had reported and still continue to report racial discrimmination issues with XXXX XXXX. I personally was charged double the rent of white tenants who had the same living situation as I did at the time. There were many false fees that they tried to charge me and my parents such as not having the apartment cleaned when I vacated the residents. I provided the company with detailed pictures of everything scrubbed and cleaned before moving out, I was then informed that I was lying about cleaning. This company NEVER takes responsibility for any of their actions especially when it comes to racial discrimminationn. The amount of times I have brought to their attention about the way they had made me feel or that their claims of owing them more money are completely false. There is a reason more people are coming forward about XXXX XXXX XXXX issues -- its a bunch of he says they say. There are more of them than he says. My credit is ruined because of the manipulation, violation of privacy and racial discrimmination that XXXX XXXX has placed on me and for that this complaint needed to be filed. They also took it upon themselves to forge my signature onto a new contract just to match what scam they were saying in the moment.

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 2021-02-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX an item was purchased from Home Depot on the Citibank Home Depot Card for approx {$2700.00}. The product breached warranty and XX/XX/XXXX, Home Depot picked up product from my home, without the ability to replace the faulty item and refunded the approx. {$2700.00}. Citibank never adjusted the interest based upon the significant return and balance adjustment. Citibank is still attempting to collect the interest on the old balance without adjusting for the credit of {$2700.00} to the account. I have brought this to their attention numerous times and they refuse to recalculate the interest charged since atleast the date of the return/credit to the account. In addition, my account reflect my payment is not due until XXXX XXXX, but charging a late fee and harassing me with with daily phone calls and shutting off my card, despite never being late on payments before this valid dispute and a payment having been made based upon the adjusted 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 monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Ive noticed this on several occasions any time I know I did some thing specifically to increase my credit scores. The same amount of points disappear. ( ( ( I know my for a fact that my Credit mix Is going to jump from a B rating To a A ) ) ) ) a Credit advisor at XXXX XXXX XXXX XXXX helped me to take the action that would, Help me. But just like clockwork. If I make a change that would impact my scores positively As shown in the simulator. That Would increase my points by 30 points If the information is supposed to be calculated on the 5 ( in cycle ) on the 2 ( out of cycle ) I would illegally Lose. Whatever. My increase was projected to be. 30 points. So Im stuck between XXXX .... This happens to anyone who is XXXX and has Achieved XXXX plus + this is proof of systematical XXXX  And if CFPD. LOOK AT MY HISTORY OF CREDIT. you will find. Proof of this ( XX/XX/2022 ) ( Will copy this report for the White House ). And if yall dont do anything your actions show that.

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 2019-09-20
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with Shellpoint for eight months trying to reconcile my loan payment history. I finally hired a person who owes and operated a loan servicing company to correct the loan history that I received from Shellpoint which costs {$3700.00}! In XXXX of XXXX I sent XXXX a letter requesting that they send me monthly mortgage statements. They refused because my loan was not reaffirmed after or during my bankruptcy. XXXX missed logged my payment on XX/XX/XXXX which cause all my future payments to be late. XXXX applied {$2500.00} to future interest in violation of Title 15 of the US code 1615 prohibition on use of Rule of 78 's. 
My loan servicing was transferred from XXXX to Shellpoint Mortgage Servicing in XX/XX/XXXX. XXXX received and cashed my XXXX & XX/XX/XXXX loan payments and did NOT transfer those two payments to XXXX. My loan was sent to Shellpoint 's collection department. I sent front and back copies of both these checks to Shellpoint by fax and email on XX/XX/XXXX and again on XX/XX/XXXX and it still took them over 60 days to apply them to my account. Shellpoint began their servicing with inaccurate records including due dates, loan balance and escrow account balance. They made errors in their accounting with my XX/XX/XXXX and XX/XX/XXXX payments. 
After having my loan history reviewed it shows Shellpoint has been over paid and already has funds to pay my XX/XX/XXXX payment. I am also due a refund of approximately {$1800.00}! I am a licensed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I have no idea how a individual with limited experience in mortgage loans or servicing could remedy their loan history with a servicer like Shellpoint. I feel I have been lied to, cheated and violated by Shellpoint 's servicing agents. They violated several laws and caused undo stress in my life! I will attach the corrected loan history and letter explain all the inaccuracies in XXXX 's and Shellpoint 's servicing of my loan!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Somebody has all my personal information and he keeps unlocking my credit file after I told Transunion 3 days ago to put an EXTENDED fraud alert on my file for 7 years. They are also monitoring all my communications phone, internet, mail. Everything. I have XXXX privacy. After I asked for help with a credit card my bank calls me closed my account and takes my debit card. It has always been this way. My small business are being used by someone else and my credit is being used by someone else to.

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 2021-02-13
Company: CFS Holdings, Inc
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I tried to contact the company, they stated that they no longer have the debt and they couldnt verify it. They stated they have no paper work on the alleged debt. I called and wrote multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2023-07-29
Company: EQUIFAX, INC.
State: TN
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:
CFPB closed my complaint XXXX and the response received was generic response which didnt address any issues after waiting over 45 days for a response. 
I provided all the specific information they requested and still they did not resolve any of my issues. Equifax is violating my rights under the FCRA and I ask for this issue and the fraudulent accounts to be removed from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX XXXX on XXXX XXXX reported that Bank of America had turned over credit card transactions to federal authorities without warrants or even suspicion of a crime in connection with the rally at the capitol building on XX/XX/XXXX. I was in Washington DC on XX/XX/XXXX for the rally and did so peacefully and patriotically. 

I called Bank of America to see if they had illegally turned over my transaction data to authorities and BOA said they handled this the same as any other request from authorities and that a warrant would be required. I questioned why XXXX XXXX would have made a story of this if it was all standard procedure and the BOA representative was unsure. 

I would like you to look into the circumstances of this to see if my information was illegally shared. And if they did illegally give my information away, BOA needs to be held accountable for this. 

Please get back to me with what you find out after looking into this. 

Thank you for serving the need for justice for all Iowans.

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 2019-05-01
Company: EQUIFAX, INC.
State: OK
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 has been the worst mortgage company by far that I have ever worked with. They have given me nothing but problems and false reporting throughout the entire relationship. I am so glad that they sold the load to XXXX. 

Back in the XXXX, XXXX, XX/XX/XXXX time frame that had a totally random faulty reporting of late or missed payment on my credit report. When I saw it ( only because I was closing on another property and the lending company saw it ) I called XXXX and they sent the attached letter apologizing for their mistake and promising to remove it. As you can see from my current report.. .they NEVER actually removed it. A late payment from spring of XXXX is STILL on my credit report. 

In XXXX there was a hurricane in XXXX Florida which is where this property is located. XXXX mortgage pro-actively reached out to me to suggest a disaster relief plan that would have me defer three months payments. They told me to skip three months payments and then on the 4th month they gave me a new amount that I would be required to pay for 6 months. ( this amount represented my normal monthly amount plus an additional amount to make up for the XXXX months by spreading it out over 6 months ). I did everything that XXXX told me to do. I skipped the XXXX payments and I set up by automatic bill pay with the bank to pay a higher amount for 6 months and then resume with my normal monthly payments. 

I was never any days late. 

I heard that sometimes when they set up deferred payment deals that they plan on marking you as 30 days late, even though in my conversations with them before agreeing to do this.. They assured me that there would be NO negative reporting on my credit report. 

They did report me as late.. .however, I never missed nor was late on any payments with XXXX mortgage. 

Very predatory lending practices by XXXX. I hope to never have to do business with them again. 

Their predatory practices prevented me from closing on a new home which was to be my first home owned primary residence since XXXX. 

Please help. Thank you so much. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent Request : Addressing FCRA Violations in My Credit Report Dear [ Recipient 's Name ], I hope this message finds you well. I am writing urgently to address significant discrepancies recently discovered in my credit report that are in violation of the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises substantial concerns about compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations found in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after XXXX or XXXX years, contingent upon bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I anticipate prompt action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will regrettably compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I started noticing charges for experian credit in XXXX of 2023. In the amount of {$27.00} for general services on my XXXX  card. I get this service for free through my credit card. So i called XXXX  and canceled my card and was sent a new one. I was reassured that this was the end of it and whatever i was being charged for would be canceled. I was in a XXXX XXXX XXXX earlier this year and have been really sick XXXX XXXX XXXX XXXX XXXX XXXX. Counting pennies because i can barely work.my new card was hit again in XX/XX/2023 for the same amount to experian. I noticed this when my phone bill was declined because there wasn't enough money to pay at the time I was XXXX XXXX XXXX again so when I got out I contacted Experian directly I was given a phone number to call back I talked to the man for 2 days he guaranteed me I would get a refund on both charges he then had me file or download an app on my phone called quick support and give him a number that was in the file he remotely took {$250.00} draws off of my time card explaining to me that he was doing this so that he could replace it in an hour and up my spot me overdraft protection fee that I would get my money back that I would get my the Experian charges back and that the service that I never applied for would be canceled for sure well they hit my account again on XX/XX/XXXX of 2023 for another {$27.00} for a service that I never applied for and I've never gotten any money back

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 2021-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2018, Bank Of America made two ( 2 ) payments without my authorization. 
1. XX/XX/18 Withdraw in the amount of {$700.00} 2. XX/XX/18 Service fee in the amount of {$120.00} Both of these charges were only labeledLegal order When I contacted Bank Of America regarding these charges, they refuse to give me information. The the customer service representative asked me to contact the Bank Of America Legal Department. I have done that and its been several months without a response. 

Bank Of America never gave me notice that they were going to dispersed these funds. Essentially, Bank Of America withdrew money without my permission.

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 2021-02-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
USAA engaged in a deceptive act or practice by taking the wrong amount due for my auto insurance payment. I signed up for minimum amount due ( $ XXXX monthly ) to be deducted on the XXXX of each month ( see attached docs dated XX/XX/XXXX and XXXX ). Instead USAA deducted the whole statement amount ( {$800.00} ) on XX/XX/XXXX. 

I called USAA to resolve this issue and was told by the backend office that the new payment will take effect in XXXX since I already paid the whole statement balance. USAA representative stated during the phone call that she saw notes where I changed the payment to minimum amount due. She received an answer from the back end office that they will change it in XXXX. 

USAA engaged in a bait and switch tactic by taking the whole amount due instead of minimum amount I signed up for ( see attached docs ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: AZ
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:
about 2 months ago i requested my credit report and i haven't received anything.

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