BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: ARVEST BANK GROUP, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I paid off my Mortgage on XXXX. On the day that I wired the final payment, I received an email from Arvest Bank that stated the taxes are next due XXXX and insurance is next due XXXX. On XX/XX/2023, I received a letter from the countXXXX treasurer stating that my real estate taxes were overdue. I immediately called Arvest Bank and voiced my concerns about their mistake. They told me they can't do anything over the phone and I would have to email them and make a formal complaint. I proceeded to email them on that same day and explained their mistake. I told them about the letter they sent me and how it states everything was paid. I also reminded them that interest is accrued daily on overdue property taxes so I would like this handled quickly. They responded to my email the next day stating they would have to forward this to their tax team. I never heard back from them, so I emailed them again on XX/XX/2023 reiterating that I have not heard back from them and to remind them again that interest is accrued daily on this overdue payment. Finally, on XX/XX/2023 they email me back and state it is not their responsibility to pay the taxes and that it is my responsibility to not only pay the taxes but also the interest accrued. What I would like to know is where did that money go from where they specifically stated that my taxes were paid until XXXX and also why am I responsible for paying not only the taxes but also the accrued interest due to their slow response time?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
on XXXX i sent in a dispute to Equifax and have been ignored by the company in regards to my dispute. They have yet to respond and based on my receipt i can see that the letter did arrive to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to lift freeze on my account. Called them over 10 times and automated verification does not succeed, stating that I need to mail and or fax documents to prove identity. I have done this twice only to receive notice that I must do it again as I did not send required documents. I have been very careful to send exactly what they want as I need to refinance my home and they are being difficult with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: IL
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: FL
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:
I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following addresses inaccurate and not my current or correct addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX. The following inquiries areon my report that were not applied for by me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: Zions Debt Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Zion Debt Holdings was told not to contact me and they started texting me about a Debt that is not mine. I have told them on neuromas occasions.not to contact me. This is not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, The collection agency Waypoint Resource Group located at XXXX XXXX XXXX XXXX XXXX, TX XXXX reported a {$470.00} debt on my credit XX/XX/22. I never received any correspondence from this collection agency prior to the debt being reported on my credit. On XX/XX/22 I sent a certified mail debt validation request letter to the collection agency. The letter was delivered and given to an individual at the collection agency XX/XX/22 per XXXX tracking number. It has been almost XXXX months since I have not received a response back from the collection agency in regards to my debt validation request letter.

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 2018-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX, I initiated a " bill pay '' transfer from Bank of America checking account to another financial institution. I requested that the funds reach the second institution by a certain date but it wasn't received by the second financial institution. Yet, the funds were taken out of my account. On XX/XX/XXXX, I called Bank of America to inquire, and their customer representative suggested I stop payment on the " bill pay '' transfer, which I did. Bank of America has NOT returned the funds to my account. The second institution does not have the funds, and the funds have not been returned to my Bank of America account. 

I called Bank of America again ( two days later ) to ask why the funds have not been returned to my account. The person I spoke with said that their customer representative did not process it correctly. 

It's been 24 hours since my second conversation with the bank about this issue and more than a week since they removed funds from my account for a " bill pay '' that was not delivered. I currently do not have possession or access to those funds because they have not been returned to my checking account, and I decided to file this complaint. 

I received two identical email messages ( one attached ) from the bank - two days apart - regarding the incomplete " bill transfer '' and the stop payment. [ Online Bill Pay Message : Case ID 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 monetary relief
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
There's a XXXX XXXX and XXXX XXXX account on my credit report that I have no clue about. I contacted the Credit Bureau and the Collection Agency for these accounts in XXXX. I haven't received any information regarding these accounts, I only noticed on my credit report " Account Disputed By Consumer '' I followed up with the Credit Bureaus and the companies, as I haven't received any information regarding these accounts and I still haven't received any information, only stating that I owe this account and it's verified from the past. None of the account information listed on the Credit Reports align and I don't know how this account would be verified and I haven't got any information from XXXX XXXX and I don't recall service with a XXXX XXXX ever.

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 2023-06-11
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I applied for credit with American Express. The letter of denial stated that one of the reasons for denial was too many credit inquiries. American Express pulled my credit from XXXX. After checking my XXXX credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : 1. AMEX  on XX/XX/XXXX 2. AMEX on XX/XX/XXXX 3. AMEX  on XX/XX/XXXX The only authorized AMEX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by XXXX XXXX XXXX on XXXXXX/XX/XXXX. Here, I was signed into my existing XXXX XXXX credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled XXXX XXXX XXXX on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my XXXX file online and XXXX said I needed to call them to dispute inquiries. When I called XXXX on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called AMEX, they told me to call XXXX because they are the credit reporting company and they need to remove it. When I called XXXX XXXX XXXX  they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
Unauthorized inquiries are showing on my credit report and have not been removed yet. According to the FCRA, they should be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
To Whom It May Concern, I am writing to formally file a complaint regarding an issue I have encountered with a credit card provided by Synchrony Bank, specifically in relation to my purchase at PC Richard store. I believe that there has been a significant error and overcharging on my account. 

In XXXX XXXX XXXX, I made a purchase of a refrigerator at PC Richard store for a total amount of {$630.00}. I diligently made my payments, ensuring that the entire amount was paid off within XXXX  months from the date of purchase, as per the terms and conditions of the credit card agreement. 

However, upon reviewing my recent bank statements for the month of XX/XX/XXXX, I was shocked to discover that Synchrony Bank had imposed fees and interest charges that amounted to over {$450.00} for one interest category and an additional {$250.00} for another interest category. This was in direct contradiction to the terms of our agreement, as I had fulfilled my payment obligations within the stipulated XXXX period. 

Immediately upon discovering this discrepancy, I contacted Synchrony Bank 's customer service to rectify the issue. I provided them with a detailed explanation of the situation and requested that they review my account and remove the unwarranted fees and interest charges. However, to my dismay, the bank representatives declined my request and were unwilling to thoroughly investigate the matter. 

I believe that Synchrony Bank 's actions in imposing these fees and interest charges are not only unwarranted but also in direct violation of the agreed-upon terms. I have adhered to the terms of the credit agreement, and I am entitled to a refund for the overcharges, which total over {$500.00} in interest alone.

I kindly request that the Financial Consumer Bureau investigate this matter promptly and thoroughly. I seek resolution in the form of a refund for the erroneous fees and interest charges imposed on my account. I have attached relevant documents, including bank statements and payment records, to support my case. 

I appreciate your attention to this matter and your assistance in resolving this issue. Please do not hesitate to contact me if further information is required. 

Sincerely, DJ

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 2023-08-31
Company: EQUIFAX, INC.
State: WA
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 XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Diverse Funding Associates LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX in regards to a past due debt owed to DNF Associates on XX/XX/XXXX. 

To my knowledge, I have no contractual obligations or have never had a business relationship with DNF Associates. My wife, XXXX XXXX, called XXXX on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who XXXX and DNF is and why they would be suing me, she asked them to provide validation of this debt. 
Shortly thereafter, I received the documentation showing I owe a balance to DNF who purchased a charged off debt from XXXX  XXXX  on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute. 

When XXXX XXXX charged off this debt, they sent me a 1099 - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX is no longer pursuing this item for collection. 

DNF Associates did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to DNF was from their servicer, XXXX who is now threatening litigation on the past due balance. 

The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to DNF Associates.

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 2023-09-21
Company: Upgrade, Inc.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been trying to update the address on my account with upgrade for over a year. The asinine list of required actions I must take in order to change my address is absolutely ridiculous. This cumbersome process to simply update my address on my account is unnecessary. I have provided them with a copy of a utility bill copies of my photo identification a picture of myself holding my two credit cards that they have with me. Pictures of me holding my photo identification to prove who I am. I've spoken with multiple agents who have confirmed my identity using my personal information including my social email address, date of birth, full name, and yet they still want me to hand right? A note that includes all of my credit card information on it and a photograph of me holding said note. I am done jumping through hoops. There is no logical reason to need me to handwrite a note that includes my account information for which I've already provided a photograph of me holding the card ( front and back ) and I've provided the card numbers verbally. I've also provided my social security number in writing, via email and they refuse to update my address. Also had me send a photo of myself holding my own state ID. I didn't even need to go to this extent when I change my name after getting married. I feel that I'm being discriminated against and treated unfairly. As a person that works for one of the largest banks, within a risk, compliance and regulatory review role, there is no reason to go to this extent of leg work and jokester requirements to change an address. And of course, they get to force you to abide by their ridiculous requirements because otherwise you can't use your account. Quit being a bully. Don't you realize that by refusing to update my address you are then sending all my mail ( including updated cards ) to an old address and exposing my account to risk by releasing my confidential information to the new person at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting XXXX account incorrect. The credit acceptance account is not my account and she be removed asap. The other account which is XXXX XXXX she be reporting charge off. They have already repossessed car and sold it.

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 2021-04-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
************Not a Duplicate complaint************** New evidence included since the company wants to act like they dont know ... 


In XX/XX/2017, I was given a loan which was deemed a predatory loan by the attorney general of oregon and was included in a law suit against santander and which was settled. I am entitled to the settlement which was already agreed upon. 

settlement can be seen on this website : XXXX XXXX XXXX

Company response to consumer: Closed with explanation