BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: AMERICAN INTERNET MORTGAGE
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Delaware governor declared a State of Emergency and banned landlords from collecting late fees from tenants, and lenders from collecting late fees on mortgages in turn : " With respect to any missed payment on a residential mortgage occurring during the state of emergency, no late fee or excess interest may be charged or accrue on the account for such residential mortgage during the state of emergency. '' My mortgage payment deadline was XX/XX/XXXX, I made the payments on XX/XX/XXXX and was immediately charged late fees on all 3 accounts. Called the company to inform them that this is in violation of the Emergency declaration, and they asked that I send a link to it ( which I did XX/XX/XXXX ). Followed up a week later and was asked to send the email again, even though the rep was able to find the original one - this time with loan numbers in the subject line. On XX/XX/XXXX followed up again and was transferred to a supervisor who said he'd get back to me on Monday, XXXX. Didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: NC
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:
Hello again, i am distressed to inform you of the willful noncompliance of federal law by Experian. Their inaccurate and misleading reporting has played a vital role in my ability to obtain credit. Here are some laws being being violated in my situation. I am trying to stay away from the process of litigation but if thats what i have to do to be treated fairly i guess thats where i will have to take this matter ...

-15 USC 1681 Accuracy & fairness of credit reporting -15 USC 1681 ( a ) ( 4 ) Invasion of consumer privacy -15 USC 6802 A financial institution may not disclose no public personal information to a non-affiliated third party -15 USC 1681 ( b ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it relates Please help me in this situation

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 2023-11-15
Company: DISCOVER BANK
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a new first card with Discover only to have them restrict my ability to pay my balance. Its a prepaid SECURED card with a {$500.00} deposit and credit limit. The current balance owed to me is {$500.00} minus {$310.00} which is {$180.00}. My earned cash back bonus is {$31.00}. 

Discover revoked my personal bank account as a payment option and did not explain why. 

They blamed 'issues with the website ' but that can not be taken at face value. 

I decided to close my account because of the hassle and they are making me wait on hold inexplicably in order to do so, they dont provide an option to close the account online, they limit the number of payments you can make within an arbitrary timeframe through various means, and they tired to get me out of an additional entire " balance '' payment over the phone. 

There is no option to close the account online and the wait time in total was over XXXX minutes. 

I am requesting the CFPB monitor this corporation very closely and forward this complaint to them, Discover, in case I need to take a trip to Maryland where they are based and speak to them in person, so you can update this complaint in the future. 

These excuses Discover gave me could easily be a customer harassments technique but if Discover does not close my account with them, assess no fees, and does not live up the exact words of their phone conversation I will be paying them a special visit in court or in their face. Ive been meaning to travel to the DC area. 

XXXX. No confirmation number provided for account closure of phone call made today at XXXX XXXX. Rep says they 'dont give them ' XXXX. Representative said they would send letter out with confirmation of account closure XXXX. The representative said there are XXXX people who handle account closures so I asked why their Interactive voice system forwarded my call to him in particular when he said he would have to forward my call to another department after waiting on hold, then he revealed that he could indeed close the account himself. 

XXXX. The company said XXXX calls are recorded ' 7 days to get balance of {$180.00} is what the rep said. this is by mail. 

XXXX billing cycles XXXX days to get {$31.00} 'cashback ' by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Greetings! I hope this message finds you well. I am submitting this complaint once more as a follow up to reiterate my earnest request for the XXXX, Equifax, and XXXX Credit Bureaus to take immediate action in removing and blocking the listed fraudulent inquiries from reporting in my credit file during the next update. The specific inquiries I require to be removed are as follows : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX. As FCRA Section 605B mandates credit bureaus to investigate and respond to consumer disputes within 30 days. It has now been a while now since I initiated these disputes, and this delay is unacceptable. I expect the immediate attention and resolution that this matter warrants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: AMERICAN EXPRESS COMPANY
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Around XX/XX/XXXX, I logged on to make a payment to my Amex account. I was experiencing financial turmoil at the time, so I assumed the balance was maxed out, or closed to being maxed out, and that my minimum payment would only tread water. It had a {$2000.00} limit, so I was surprised when my current balance showed over {$4000.00}, and that my minimum payment was almost {$300.00}. My statement showed that multiple cash advances were made from ATMs, and that payments were subsequently made to continue doing so. These payments were made from bank accounts added to my account without my knowledge, as they did not belong to me. Then, these payments were returned. Amex conveniently updates its balance before it receives the actual payment, assuming the customer has it. Multiple were from XXXX  XXXX XXXX, a place Ive never banked at, the other was a bulk payment from XXXX, apparently a bank based out of Texas. Ive lived in Michigan my entire life ; Ive never even traveled to Texas. Needless to say, I called Amexs fraud dept. They assured me they would open an investigation and I wouldnt be held responsible for these charges. They relayed that they would call me back the following day so they can go over what they discovered. The following day they confirmed these were in fact fraud, and that Ill slowly see the charges fall off. And they started to. However, my payment was due and that I needed to make the minimum. I explained to them that money was tight, and that I only had enough to make the minimum payment ( before these charges, that is, which was {$62.00} ). Amex, however, wasnt satisfied with that. They said I needed to make the full {$300.00} minimum payment now. Since I couldnt, they closed the fraud investigation and closed my account the next day. It now shows as a serious delinquency on my credit report. Ive since asked Amex in XXXX of XXXX to send me an entire copy of my statements, including payments, transactions, and returns, to which they reiterated that it would be emailed in XXXX. It never came. I have attempted to dispute this twice through XXXX, which they claim the information is accurate. Amex has since charged off the debt and is unwilling to help me in any capacity, as they claim they no longer have the information pertinent to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XXXX XXXX XXXX  I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXXXXXX XXXX XXXX, Balance : {$15000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$2800.00} ), XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX, Balance : {$1000.00} ), XXXXXXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$9100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-04-04
Company: Finance System of Green Bay, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent me a letter claiming I owe XXXX to XXXX XXXX XXXX. Does not include any other information in the letter besides name and address of debt collector. Letter recieved XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: LEXISNEXIS
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:
I am aggrieved and damaged due to the fact it is well over 90 days since I have notified XXXX to please investigate my credit report. Account # XXXX showing credit limit {$3000.00} past due {$80.00} is disputed ; On my XX/XX/2022 credit report lists account as : " Dispute Resolved '' I do not consent and I DISPUTE this account in its entirety! There was no thorough investigation, and XXXX is violating my Texas consumer rights and federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # 51780593*** is violating my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 rebelliousness 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD bank holds account deposits for an long time, they do not allow the money to be available to you according to their policy, their policy states that the first XXXX would be available and the rest of the amount up to XXXX will be available the next business day. This isn't case, they do not deposit checks in a timely manner, they will then clear a check and post it to the account to reflect the same date as deposit while adding additional fees. Our accounts have suffered numerous over draft fees because of them holding checks on an existing account through them for over a year. The deny cash with drawls on the accounts along with Not processing checks- I have had to call in a panic because the funds have taken an extensive amount of time and i was unable to get my medications. I have tried to reach for a resolution with them and i have not gotten anywhere they refuse to change any of this and consistantly blame this on the " Back Office '' stating they dont have control- They have also Made " Authorized phone transfers from one account to another with out speaking with my husband or i they jsut removed money from an account with out our permission. ) we never authorized a phone transfer to clear account from being negative as i was waiting in your company to release my funds. MY ACCOUNT wouldn't have been in a negative state because of your " polices '' THIS IS FOR ALL 3 accounts that are listed on this complaint. I want all accounts to be combed though and all fees returned. as your poor business has cost us a lot of hard ship.

I would like this investigated ( this bank TD bank has had numerous Class action lawsuits against them for excessive fees ) I believe what they're doing is illegal and i would like a proper resolution fees and penalties and money returned. 

An example would be deposit on XX/XX/XXXX XXXX XXXX not available- on XX/XX/XXXX XXXX was added for over draft. but the account wasn't over drawn. once the check cleared it reflected the XX/XX/2019 date. 
statements and notices are attached. this has been going on for a year. you will be that the fees are not for out fault but for the company as these charges were cleared. 


they decide what to pay and when to pay it on their terms so see how much they can make off of a fee. they will deny a XXXX transaction but they will approve 5 small transactions so they can assess more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
PHH decided, without asking me or receiving a request from me, to take over my homeowner insurance policy payment. I had a valid policy for homeowner 's insurance through XXXX XXXX, and PHH decided that PHH would to pay it. That is a problem for me, because PHH will charge me more money than XXXX XXXX did if I paid it on my own. Now, the insurance company says that they can't talk to me, that I have to talk to the mortgage company. The mortgage company says that I need to call my XXXX XXXXXXXX Trustee, who has nothing to do with the issue of the mortgage company taking over my homeowner 's insurance policy without my request, and without talking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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. The following accounts listed as inquiries on my report were not made by me. 

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 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 2023-08-21
Company: EQUIFAX, 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief