BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: NV
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 opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NE
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with 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 2023-06-26
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was furloughed from my employer during Covid, due to the fact that I could not find child care for my XXXX child, and Im a single  parent. I was unable to make my regular mortgage payments, due to the indefinite loss of income. Literally the day I was able to return to work, my house burned down due to a faulty wire on an electric meter that was installed 2 weeks prior. 

I have been displaced w my daughter, even since. I continued to make my house payments at this time, made an arrangement to have a minimal second mortgage, and then emptied my savings into the mortgage company to bring my loan up to date. 

Paramount residential mortgage, and XXXX, refused to apply my lump sum payments to the mortgage, and then took control over the home that was being repaired w a contractor that I had hired. 

Ever since, Ive continued to make my monthly payments, Prmg still hasnt applied the lump sums, and me and my daughter are still homeless, living in shelters rather than the home I sacrificed my savings for and continue to pay. 

Ive been in contact w them for over a year to rectify this issue, but their main goal is to ultimately to sell my home. 

Now Im broke, still homeless, and have absolutely no where to go. Ive even begged them for my lump sums back, just so me and my daughter can actually go pay for rent somewhere, however they refuse to issue me the payments that they never applied, and they refuse to let me return to my home. In fact, they have been invoicing me for work being done by a non licensed maintenance man that they hired to literally break into the home to change the locks. 

I highly recommend people to stay away from this company.its legitimately evil and will leave you homeless, broke, and devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid the {$500.00} deposit to refinance my home to XXXX on XX/XX/XXXX. I was told the process would take approx. 6-8 weeks. I agreed to a 2.5 % rate with total closing points at {$3600.00}. I received notification that the loan was closing on XX/XX/XXXX and that I needed to review the closing disclosure. I did so but heard nothing for weeks about signing with the title co. I called my loan officer several times and was told they were working on a few items but that this would close soon. I called the title company and they said they were all set to close, waiting on the lender Amerisave. I received another closing disclosure on XX/XX/XXXX from Amerisave which increased the closing costs to {$13000.00}. I was told they continued to work on closing but for some unexplained reason they were unable to close. I complained about the change in closing costs and they ( XXXX XXXX and his boss XXXX XXXX XXXX said they were working on a {$4000.00} credit for me. I asked for daily updates which I received occasionally saying they were still working on it and it would close within a day or two. So here I am on XX/XX/XXXX ; they ( XXXX and XXXX XXXX claim they have not received a payout amount from my current mortgage company XXXX. I called XXXX and they assured me the payoff amount was sent to the requested fax # on XX/XX/XXXX. After a conversation with XXXX XXXX who claimed they have not recieved this information I called XXXX back and asked them to send the payoff quote to XXXX XXXX directly. Best scenario would be to close the loan I originally agreed with- disclosure XX/XX/2021.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: BARCLAYS BANK DELAWARE
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 I noticed 2 charges on my credit card that I did not purchase. Both charges state it was coming from XXXX. One charge is for {$460.00} on XX/XX/2020 and the other charge is for {$750.00} on XX/XX/2020. I initially thought XXXX made a mistake so I called XXXX first and the rep told me that they do not even see charges for these 2 amounts in my XXXX account. I also checked my XXXX account online and no charges of {$460.00} and {$750.00} were ever made. I called my credit card XXXX on that same day XX/XX/2020 and spoke with a rep named XXXX ( or XXXX ) and he was somewhat helpful. XXXX reported the two charges to their fraud department and he refunded me interest for the month of XX/XX/XXXX since  I should not be charged interest for purchases I did not make. Then, on XX/XX/2020 I received a letter in the mail from Barclays fraud department stating there was " not enough information provided to create a case ''. So my issue is not resolved and they just decided to close the case. Barclays never even asked me for my XXXX account statements. The Barclays rep XXXX did not even mention to me to send my XXXX account statements. I kept asking the rep XXXX, how the fraud department will handle my case and he said " just wait until we contact you for the next steps ''. But, they just closed the case without asking me for the next steps. I could have provided them with my XXXX account statement clearly showing there were no purchases with the amounts of {$460.00} on XX/XX/2020 and {$750.00} on XX/XX/2020. I called Barclay on XX/XX/2020 to try to resolve this issue but the rep this time told me she can follow up with the fraud department and I will hear back from them. The rep sounded very uninterested in helping me, so I wasn't sure if she was going to be diligent about my follow up. So, I called Barclay again today XX/XX/2020 and this time I was on hold for 3.5 hours and could not get through to anybody. It is extremely hard to get through to Barclay it  takes me 45 mins to 2 hours to get a hold of someone, but today I was on hold for 3.5 hours and could not get a hold of anybody. This is a horrible way to conduct business. They have no email. I have tried their live chat but the live chat says I have to call customer service to report fraud. How can I get my issue resolved when Barclay has horrible customer service! I have a feeling they are avoiding me. Also there is a huge language barrier because the customer service reps aren't very clear when they speak English which makes it very difficult.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXX Owed : {$25000.00}.

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 2020-08-12
Company: Experian Information Solutions 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 and did not make the charge. I ask that the items be blocked to correct my credit report.

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 2019-08-06
Company: Scott Fetzer Financial Group 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: Account information incorrect

Complaint:
I contacted United Consumer Finance Service when I noticed that they were reporting that we owed a balance of XXXX on an account that was never late and paid off in 2017. I was able to speak with a representative ( XXXX ext XXXX ) and she stated that they never ran the final payment, however no one notified us. I paid the XXXX and was advised that they would submit the documentation to remove from the credit report. That was over a month ago and every time I call to follow-up she is either not at work or not available. I spoke with a yound man 2 weeks ago that advised me that XXXX did submit to the credit bureaus to have the account removed but it is still reflecting on my credit report as a delinquient account. 

I even opened a dispute with the credit bureaus and the account is still there.

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 2022-03-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Jefferson Capital debt collector XXXX XXXX in regards to a debt from XXXX. It wasnt even addressed to the correct name. It was addressed with my maiden name and I've been married since XXXX. I called and disputed the debt because I don't remember owing the original creditor. I received a letter XXXX XXXX stating they would not be notifing the credit bureaus about the debt. Even if this is a legitimate debt it is way past statue of limitations. Isn't this illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: OneMain Finance Corporation
State: MD
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, these creditors XXXX XXXX XXXX XXXX, One Main Financial Corporation, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
My check card was used out of state at XXXX XXXX restaurant in the amount of XXXX and XXXX back to back on the same day. I disputed the changes through Bank of America and received a temporary credit in those amounts and the credit was reverse stating that a chip was used. 

The amounts are almost exactly the same.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Unfair. Not respecting laws See attachements

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 2020-06-09
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage lender ( XXXX XXXX XXXX ) that I was using sold my mortgage to another institution who currently is Union Bank XXXX XXXX XXXX XXXX, WA XXXX. I was having both taxes and insurance being placed in escrow so the mortgage company can pay these on my behalf. I found out through my insurance agent at XXXX XXXX that my homeowners policy was lapsed and I did not have coverage from XX/XX/XXXX to XX/XX/XXXX due to non-payment. I then called the service center of Union Bank in XX/XX/XXXXto explain that this was to be paid by Union Bank and that they were the new service owner of my mortgage and had an obligation to make this payment. They told me that they were going to look into this issue and that they were to pay XXXX XXXX. I was later told by my XXXX agent that due to the length of time of the lapse that they had to write a new policy for my home. I explained to Union Bank after calling them a second time that it was their fault that my insurance lapse as they were trying to have me pay lender placed hazard insurance. I spoke to a supervisor named XXXX ( Direct phone number XXXX ) in XX/XX/XXXX and she stated that she would be sending this issue to support research and I would get a call from Union Bank in a week. This never happened and I received a bill in the mail from them dated XX/XX/XXXX. I have attached this recent Bill.

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 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
The folllowing account is being reported inaccurately ... .... 
Capital One XXXX Balance {$120.00} The Balance on this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: DISCOVER BANK
State: MD
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, these creditors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The XXXX XXXX, and Discover Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX my husband and XXXX Veterans started the process of refinancing with our current mortgage company Planet Home Lending. We have already completed the entire process of credit check, loan approval, house appraisal, termite inspection etc. During this entire process the Loan Processor seem unprofessional and would never answer her emails or voice mail in a timely manner. Although we were in the midst of COVID 19 we submitted all information and was given several closing dates original dates was XX/XX/12020, then XX/XX/2020 then again XX/XX/2020. At the last minute the Loan Processor needed to verify additional information for the underwriter which she had done weeks ago? 

She requested pay stubs, job verification etc which we submitted promtly, I made several complaints about the processor and spoke to her supervisor and I was assured that these issues will be resolved and closing will happen on XX/XX/2020. Unfortunately due to COVID 19 my husband was laid off his job on XX/XX/2020, I then left a voice message and send an email for the loan processor and her supervisor to see what steps we can now take to continue the closing of this loan, to date no one has return our phone call. 

We have also seek the assistant of a family friend who is also a Loan Officer and he contacted Planet Home lending about a week ago and he was told that the loan is in completion in the final stages and now they will not respond to him or us. We are frustrated and angry this company lack of professionalism has us at wit 's end and we can not get any answers. 

Please assist as quickly as you can we have no idea what to do and/or if our closing will truly happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: IL
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:
It's been over 30 days and the creditor never updated information or provided proof or documentation in regards to the late payment marked on my account. According to federal law if they fail to provide this information and complete the investigation in 30 days this information should be deleted from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act 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 2023-09-08
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I was notified VIA email through the XXXX XXXX - XXXX XXXX XXXX XXXX  that a collection agency placed a collection charge on my Social Security number. 

I looked into the company name, Transworld Systems, and found it was a debt collections agency. I spoke with a representative there who let me know that a XXXX XXXXXXXX XXXX, XXXX XXXX, had six different accounts opened using my name and Social Security number ( I live in New Jersey, I have never visited Texas, nor do I have friends/family that live there ). I asked for the account numbers and balances at that time. I, then, submitted a fraud report with their customer support team. They let me know that they will investigate on their end and send me paperwork to process on my side. 

I went to my local police station and filed a police report which will be available for me to pick up XX/XX/XXXX or XX/XX/XXXX. I was also directed to file a fraud/identity theft report with the FTC. The next steps were to send a copy of the police report along with the FTC report to the electric company to process the dispute on their end. 

I called the collections agency again ( today, XXXX ) to confirm the information and they also provided me with the dates of end of service as well as the addresses for each account, XXXXhree of which were opened on the same day. I learned that the accounts were opened under two different companies, XXXX XXXX and XXXX XXXX, both of which are under the bigger company, XXXX XXXX XXXX. A fraud report is submitted on their side to help prevent additional accounts from being opened with my name and social security number.

Company response to consumer: Closed with explanation