BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: SC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, 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:
I have disputed the late payments for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today is XXXX, I will begin this is not the first time this has been done to me by a XXXX XXXX Credit Card for a Store. Today it was XXXX XXXX. What they do is on the website after you receive the card they advertise to set up auto payments so you are never charged and late fee and do not miss any payments. What THEY don't tell you is that the auto payments take up to 30 days to be active and work properly. So the consumer feels they have set up the payment and things are fine. Well then the auto payment doesn't work and they charge you a late fee. I have inquired both times this has happened to me the other card I believe was for XXXX XXXX. I am wondering just how many people blindly pay the fees and the kind of revenue that generates for misaddressing for XXXX XXXX. Many stores use this credit card and I am in the process of paying off my cards with Synchrony and will never get another card for a store if I find they use Synchrony it is always just a hassle with this company.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 79 MONTH AUTO LOAN Date Opened XX/XX/XXXX High Balance {$22000.00} Closed on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed a charge on my credit card almost 5 years and since then they have constantly called and harassed me on a daily basis at least 6 times a day and threatened to sue me. They call everything day harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2021-06-11
Company: EdFinancial Services
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-10-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been a banking customer with XXXX XXXX XXXX XXXX for over 30 years. XXXX months ago, I initiated a request for their secured ( with my funds ) credit card XXXX with a {$25.00} application fee. XXXX XXXX XXXX XXXX was in a transition to Bank of Montreal ( XXXX ) at the time I paid the {$25.00} annual fee to open the XXXX account. I paid the account as agreed. After XXXX months, the now XXXX wanted me to pay {$25.00} annual fee after only having use of the card for XXXX months, or they stated I could cancel the card. On Thursday, XX/XX/2023, I telephoned the XXXX customer service number on my banking statement per the instructions on how to cancel the secured card. After being disconnected while talking to one customer service rep ( XXXX ) I called again and after XXXX minutes talking to customer service rep ( XXXX ) I could not get any email or text verification that I cancelled the card and would avoid the {$25.00} fee again. Furthermore, XXXX would hold my funds ( over {$10000.00} ) for at least XXXX days even though I had no pending charges and my balance was {$0.00}.

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 non-monetary relief
Consumer complaint received 2021-06-11
Company: Shellpoint Partners, LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
3 or more calls a day claiming that my payment is past due. Shellpoint acquired my mortgage and the contract I signed with my original mortgage company states that my payment is not late until the 15th of the month and the calls started on the 8th. I repeatedly told them to stop calling me, I repeatedly told them that I do not give them permission to record me, all ignored and the recorded calls just keep flooding in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved here mold in wall rats the floors filled with water everday from my head to the floor in wall in bedrooms the standard was not meet I was tould to move by state & city requirements an the owner was informed no rent will be paid there where supposed to make repairs they gave them time they housing office showed up to my home once a week an it failed every-time. I put in work tickets had to send that to housing They never wanted to come to fix I was sent to a hotel room in XXXX paid by city after formal meeting for the volitions I was not responsible for it was the owner when city did inspection city of XXXXwith my children This is only only XXXX I call theprocollect the office in XXXX for help they tell me i can only speak to XXXX XXXX he doesnt answer me anymore after talking to him an we went over this well i did he send send my doc i did an he doesn reply he doesn send documents he He said in a message he doesnt even know what im talking bout with the account number as header please help onky on XXXX no other reports accept this in lawfull 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 explanation
Consumer complaint received 2022-01-21
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC XXXX XXXX XXXX XXXX, Florida XXXX This company mailed me a bill claiming if I paid XXXX my debt would be paid for ATM & XXXX so I paid them and the emailed me paid! But they keep calling constantly and more bills for the same debt I payed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: ResidentCollect, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX at approximately XXXX, a male representative from Innovative Recovery Inc with a foreign accent decided to use only my birthday to verify it was actually " me '' he was talking to, stating my balance owed, the original balance, and whatever else that was listed on my account, not knowing it was actually my friend who had called to make a payment. After the male representative learned that it was not me who he was talking to, he stated he had to end the call immediately. So basically, this company isn't teaching their employees how to properly verify their consumer 's information. It's obvious that this company is teaching their employees to use only one piece of information to verify the rightful account owner. I have since disputed this account to be deleted for violation of the FCRA. Ever since XXXX, when I first made a payment, I have asked to be sent a copy of my contract with my wet signature upon it, displaying my balance and confirmation of payments. I have also requested proof of their license to collect debt and XXXX stated they don't provide copies of licenses to the consumer. I also asked to be sent an official letter with their letterhead attached, stating they would delete this account if I paid it off. XXXX insisted they only send letters once the balance is paid in full. It is XXXX and I have not received anything yet. This company is a straight scam and I would like a refund of my payments. I am not allowing this violation of my consumer rights and privacy to slip away. Thus company is too focused on receiving payments, they don't care who calls in to actually make the payment. Something needs to be done immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Click n' Close, Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have filed complaints previously, the Attorney Generals ' office suggested I file with your company since they are unable to resolve. This company does not apply extra payments to principal, notes my next payment is not due until XX/XX/2024, yet charges me late fees. There have been MANY late fees although I have no payment due! The additional payments are CLEARLY outlined to be applied to the principle. I have documentation of checks indicating " apply to principal '' I have downloaded statements from their website, I have screenshots of their information indicating the next payment isn't due until 2024. I have contacted them MANY times and no one can seem to answer why I get late fees, why the additional payments are not applied to the principal, and even after calling they are not corrected to apply to the principal. Additionally, there is a " prepayment penalty amount '' listed on my mortgage statements. When I obtained this mortgage I SPECIFICALLY shopped and obtained a mortgage that does NOT have prepayment penalties as I intended to pay it off early. It has been literally YEARS of trying to resolve these issues. But now I have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: PLAZA HOME MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX of XXXX, I closed on my home. During the closing the figures were not correct according to the closing attorney. She advised me to continue with the closing, pay the monthly amount plus additional to complete the total amount that the mortgage was supposed to be. In doing so for several months, and also contacting Plaza Home Mortgage on several occasions. I was informed by a few representatives to cease sending in additional payments as my monthly obligation was enough and correct. Fast forward a year a some months later I received a letter stating that my monthly mortgage would be increasing to XXXX monthly. I was not in a financial position to pay this huge increase, so i was advised to apply for a loan modification. After applying for a second time ( since the first time I was denied because the mortgage company said I had to be behind in order to get approved ), I was approved and was given a 90 day trial to pay The amount required. After the 90 days I received a final mortgage approval packet to have signed/dated/notarized after reading. I took care of getting that done and was required to send it back certified mail. After sending back the signed documents I eventually received the packet back. No where in this packet or in HUDs packet was this undisclosed amount. I hired an attorney in which it took the attorney two years exactly to find this undisclosed lien/second loan. Also in finding this amount with a third party of HUD were my supposed signatures on a promissory note that I have never seen until Friday XX/XX/XXXX. I spoke with a second attorney whom had thoroughly explained where this undisclosed amount have possibly come from, but the attorneys also agreed that something was missing from my documents ( The disclosures of what I was supposed to be financially responsible for due to the loan modification ). I was unable to refinance in XXXX, which is when I found out about this undisclosed amount of money that was being held against my property. The mortgage company and or third party XXXX XXXX XXXX failed to include in my documents the promissory note and the second packet of which this undisclosed lien Ian being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a small business account with Bank of America. I have had this account for 22 years. I weekly balance this account and match my ledger balance with what the bank has on record. It has always been within {$18.00} ( I have chalked this up to a 'margin of error ' over the many years and have not thought much of this ). 
Three weeks ago, as I had balanced the under 10 weekly transactions- this is not advanced molecular science- it is simple math ( my business sees very little volume now, as it is very part time ), the Bank and I did not balance - they said I had {$260.00} less than I had balanced out with. Despite multiple people checking multiple times, using multiple methods, we all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) came up with the same result - the bank was down {$260.00}. I waited another week to see what would happen. The next week, the same conclusion, with less than 10 transactions.

I made an appointment with Bank personal ; we spent 2 hours reviewing the math and he could find no error. He assured me he would work on it over the week and we made a follow up appointment with me for this past Tuesday at XXXX XXXX ( XX/XX/17 ). We sat down again - he had no answers. I asked then to file a complaint with the bank- it was unacceptable that {$260.00} just 'vanish '. He called someone and they affirmed that " nothing could be done '', because they could not " prove '' anything. 
I am appalled that after a 22 year relationship where I have upwards of {$200000.00} in this institution, they can literally " lose '' {$260.00} and offer no recourse ; it is not even difficult math/calculations to understand. To date, there is 1 outstanding check, so there is minimal " complicated math '' to appreciate - no missing checks from the ledger and yet less money than I have calculated. And I described a time in XXXX when I used XXXX to pay a friend and her bank recorded this account paying her twice, yet Bank of America has never noted that to be true. So, 'weird things ' can happen in this 'electronic money ' age - why is it so inconceivable that, in looking at these XXXX or so numbers, plain as day, there is {$260.00} of my earned money, Bank of America has someone lost/taken that out of my account? This is not a far reach for my imagination. 
Not only am I out that cash ; but they have lost a customer - but, that is seemingly not of concern to them. 
I write today, in hopes of actually having some resolve around the {$260.00} - that is not chump change to me ; as it may be to them. 
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 2022-09-16
Company: Comerica
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to pay off the Mortgage in Full since the beginning of this year. I was given a loan pay off balance & quote thru the mail in XXXX. This included directions to pay to Comerica Bank with Routing+Account #. ( XXXXXXXX XXXX  ) I first sent a wire from my bank to XXXX bank & it was returned. The bank said the account dont exist. ( XXXX ) Wire payment was suspended in XXXX. ( XXXX ) I filed a complaint to address this problem. I was again given the same bank information. In XXXX my bank said that the Comerica Account was CLOSED. I called Comerica bank ( XXXX ) and they also said that the account given was CLOSED. 

I called XXXX Wednesday XX/XX/2022 at around XXXX EST to check the bank account information. A XXXX Rep lady center agent who didnt give her name was very rude about the situation, she said the following : 1. No payoff quote was given, because my email address XXXX was rejected. This is untrue because I got a copy thru email & postal mail 2. Claimed we owe {$200.00} extra because the loan is in default, which shouldn't matter considering we was trying since the begging of XXXX to pay off the mortgage. 
3. Refused to give a new quote & confirm the bank account info I was given by saying " we never had this problem before '' 4. Hung up while trying to fix " online logging account '' issues. For some reason XXXX has a online account for XXXX XXXX yet we never created an account & cant get access to this online account. 

I tried to pay XXXX in full but their Comerica Bank Acct is closed. They are charging excess fees & interest because of this. 

XXXX was the original lending company and the current lien holder listed for the property. XXXX XXXX XXXX is stating they are not the correct current company with this property for the mortgage. I am needing to know where to send my payments and who currently actually is the lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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