BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: Selene Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job and my mortgage lender sold my account to a debt collection company specializing in foreclosure. This debt collector got my account when I was five payments behind on my mortgage. From that moment forth they have told me they wan na help me modify my mortgage and do whatever is possible to keep me in my home. For the past 30 months I have sent them all my financial documents every time I gained employment, I have showed them several different ways that I am capable of paying my mortgage and an additional monthly determination to pay back the default amount. Each time I give them supporting docs They dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past three months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dropping me as they have many thousands of people.they dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past 30 months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dumping me as they have many thousands of people They are forcing my foreclosure and I was told to ask somebody for help. I have recently filed another appeal with Selene finance. They have told me from day one they were going to sell my house and I think Im at my wits end with them and Im not sure what to do. I can afford my mortgage but my credit is low and I can not get refinance. With this bank is doing to me is wrong, Im not sure if its a legal. I dont think they ever wanted to help me, I genuinely believe their intent was to sell my house when they knew the value was greater than the loan amount. I dont think it is fair of them as a debt collection company to not except payments from me besides the final amount which they kept increasing monthly. I have lived in this house for almost 20 years, and before this happened I had only missed a couple payments. These people are unfairly taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a business checking account with a promotion offer of {$500.00} for meeting certain requirements. I met all the requirements say for one due to a banking error. The one requirement BMO claims I did not meet was that I did not make 10 electronic transactions. However I did attempt to make 10 electronic transactions by using the account to pay utility bills online. For whatever reason BMO decided to send the vendor ( peoples gas ) separate physical checks instead of electronic checks or payments. They also charged me for sending people 's gas those checks but have since refunded me after speaking with a rep. I never authorized the sending of physical checks. Since I did send online bill payments to this vendor which were always considered electronic payments with other banks I am requesting that BMO honor this promotion and pay me the {$500.00} they owe.

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 2019-01-09
Company: GENTRY FINANCE CORPORATION
State: NV
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 have recently been a victim of identity theft and as I went over my credit report I came across this account Gentry Fin that I noticed does not belong to me. Identity theft has drastically effected my lively hood and life and im asking that this account that I have no knowledge of or did not open to please be removed and deleted as it has been reported as Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was a victim of identity theft and fraud and reported there were unauthorized transactions on my XXXX XXXX credit card. The experience with XXXX XXXX to resolve the issue has been unnecessarily confusing, the website reporting one card closed and another card open. I am not able to access the website as it failing to open pages including other issues. XXXX XXXX has failed to readjust the balance properly and failed to modify the minimum payments as I have overpaid minimum payments for the last several months. They have my account in past due status and I was told they would readjust the balance and change the minimum due amount since I overpaid due to fraudulent charges on my account. The website login page is preventing me from doing anything on it as well. Customer service seems to not understand any of my request and at this point I am left to filing a complaint with the CFPB. Additionally, I was sent out 2 cards and do not know which is valid or not valid. This process has been sloppy and not being handled in good faith.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EMCC Holdings, LLC
State: IN
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've never done business with Equiant Financial service I've been disputing this account several times attempting to remove this fradulant item from my experian credit report and they refuse to remove the item. I've repeatedly informed Equiant Financial service and XXXX that I've been a victim of identity theft and I've never done business with them and none of these entities has tooken action to resolve this issue which is affecting my life and my families life. They've broken the law and has caused me to lose opportunities to access funding for my business and credit cards for personal use

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 was added to my husband XXXX XXXX XXXX 's account at Kohls department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at Kohls in which it does not show up yet. But i want my husbands account balance off my credit report - please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On Sunday XX/XX/23, I contacted my financial institution ( Associated Bank ) which whom I bank with, to report fraudulent activity on my debit card which occurred on Saturday XX/XX/23 in XXXX, MN. An unknown individual ( XXXX ) was in possession of my debit card and fraudulently withdrew {$2400.00} from my bank account and also used the debit card at a gas station to make a purchase of {$36.00}. 

On XX/XX/23, I went to the Associated Bank branch on XXXX XXXX in XXXX, WI to file a dispute. The Banker informed me Associated Bank would initiate an investigation and try and get back to me with a decision whether my dispute was accepted or denied within 10 business days. I did not hear from Associated Bank so I called them on XX/XX/23 to inquire if a decision had been made. Associated Bank informed me that the dispute had been denied and they would not be crediting my account with no further explanation. Since this was clearly fraudulent activity, I 100 % feel that Associated Bank needs to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: MS
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 sent letters to all 3 credit bureaus and they refused to investigate. I paid XXXX XXXX XXXX XXXX  which is a medical bill. I paid him which is the doctor for the medical bill in XX/XX/XXXX. I have the bill attached below with XXXX with the receipt that states its paid. The bill went to XXXX accounts collection agency and they have refused to remove it since XX/XX/XXXX. XXXX XXXX is doing the exact same thing. According to the Fair Debt Collection Practices Act, 15 USC 1692g, I did not make a agreement with these collection agencies so there can not be a balance. I have sent letters and they have refused to remove them. The dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX closed my account as a charge off, I sent them a letter according to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, they refuse to send me a 1099-c to fill out because i have to file it on my taxes and they are delaying it. XXXX XXXX are in violation and refuse to delete it. According to the IRS Publication a company who writes off a debt is suppose to send you a 1099-C form to fill out because a loss for them is considered income for me. In essence, it is their responsibility to furnish accurate information. Charge offs on my credit report is illegal. 

After i had notified them all of these companies, they refuse to remove it. According to 15 U.S. Code 1681 says if they are still reporting it after being notified that its {$1000.00} per violation. They have cause damage to my consumer report and according to 15 U.S. Code 15 says actual damage or injuries caused by them shall recover triple the amount. They have been reporting inaccurate information for a year and according to 15 U.S. Code 1681s-2, they are prohibited from reporting if they know or suspect its inaccurate. They have to report accurate information according to 15 U.S. Code 1681e ( b ) says they have to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-03-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am complaining about Shellpoint Mortgage Servicing. I consistently pay them, and they consistently send me certified mail threatening to foreclose. I continue to pay them every month. My payments are late due to financial difficulties, but I pay them every single month. When I speak to the collections department, I am told that the threatening letters are a " formality '' and that as long as I pay, they will not foreclose. These letters cause me significant amounts of stress. I have made regular calls and explained my situation to the company, and have continued to pay. These contradictory business practices have caused me duress and pain. Shellpoint is too aggressive. I do not believe the company when its staff says there will be no foreclosure, yet the letters indicate that this is the overall plan. The company says that it does not want my home. I do not believe them. This company is acting in bad faith and doing harm to its customers. I will also be writing to my Member of Congress to address these concerns. The company 's recent conduct also makes no mention, nor even offers any supportive words, concerning the Federal Government 's recent moratorium on foreclosures.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: MO
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  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions

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 2023-01-12
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an deposit of {$12000.00} from the XXXX government agency on XX/XX/2023 to my PNC Checking account and on the next day on XX/XX/2023 they revoked my online access to my account and froze my account. They said it was fraud when I only had the account for XXXX weeks. I called PNC customer service 4 times on XX/XX/2023 and no one could give me an answer on why my account was locked and my funds was on hold. So I went into the local branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX and she didn't provide me any answer about my account but told me to come back later or she will call me. I provide her with my bank card, driver license, loan documents from the XXXX agency showing her this is not fraud but she just said we will call you. I still haven't heard anything from them regarding my account or funds. I have XXXX kids and I have no money to pay my bills and the result of this will have us homeless with no where to go. I need this issue resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 
I belief that Portfolio Recovery did NOT do a proper investigation. 
If they did, all 3 credit bureaus would be reporting the same Date Last Active. 

XXXX reports XXXX XXXX. reports XXXX XXXX. reports XXXX I have disputed this account with portfolio recovery for over a year now. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was looking to buy 2 poppies. I found this wedsite online with 2 beautiful puppies at a very good price. The person that I was on contact provided me with flight tickets. I transfer an amount of  {$1400.00} on XX/XX/XXXX. I was told they were going to be deliver the next day at XXXX. Instead I received a new email from the shipping company asking for more money. I used XXXX from my bank account Bank of America I was really disappointed when I call them and the answer I got was there was nothing they could do for me I started searching online and there was a lot of people with bad reviews about the same person I transfer the money to. Its unbelievable that some many people complained about the same person XXXX XXXX with the same bank information and that person still have a bank account access. 

I save for a long time with so many sacrifices to get my daughter a puppy and its really sad that someone took an advantage of that. And that the bank that I been customer for years couldnt do anything about it. 

Thank you

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 2022-04-09
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: Personal information incorrect

Complaint:
On XX/XX/2022, A request was sent to Experian to verify all addresses located on my credit report. 
They received this request via certified letter. 
As on XX/XX/2022 I have not received any information or correspondence. 
The receipt for delivery

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 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One is reporting false information to my credit report with error also on my credit report with different information on all XXXX credit reports. XXXX XXXX offered me a settlement on my platinum credit card in 3 installment payments in the amount of {$93.00} for a total of {$280.00} starting on XX/XX/2023 XXXXXXXX. Two payments have been paid on XX/XX/2023, XXXX/XXXX/XXXX and I can't get them to send me an update on the payment status history. 

The information on all three credit reports is wrong and by law under the fair credit act it must be removed for errors reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please have this removed from my consumer report. ( XXXX, TransUnion, And XXXX etc. ) 15 usc 1681 b ( 2 ) ( a ) ( i ) XXXX XXXX 590 % credit card utilization {$6400.00} 5 hard inquiries

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