BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
Company: M&T BANK CORPORATION
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: Problem with personal statement of dispute

Complaint:
M & T bank have been with them since XXXX, never been late on a payment for any creditors. thought I made a payment which I didnt. So when I tried to make my XXXX payment I noticed I was past due. Contacted M & T right away they waived the late fees, and made my payments. They never contacted me. They had wrong phone numbers. They could have emailed me to notify me so I can pay it ASAP. Please remove from my credit score. If you go through my credit history I never miss payments. Please remove it. It was an accident! I asked M & T to remove it and they stated they couldnt remove it anymore since it was 30 days.they could of emailed me or something! This is not right. From someone who is always paying on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am unable to access my account or money. Simple banking has transferred their accounts to BBVA. They would not allow people to transfer the accounts earlier. They only allowed this transition XX/XX/XXXX, conveniently a XXXX. Now trying to transfer the account results in a system error online. And attempting to contact them by phone results in our system is overloaded and automatically disconnects you. In this day and age this is ridiculous. I can't tell if this is outright fraud or a run on the bank 's money, but basically all Simple/BBVA customers are not able to access their money/accounts/or talk to a company representative. Please fine them, this is a huge class action waiting to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold to CMC Funding, held by Specialized Loan Servicing Holdings LLC. No paperwork has been sent to me even identifying my new loan number, let alone what my monthly payment amount is. In the first month, I was able to connect by phone after 15 days, during which the company was simply unavailable via phone or web. I made my mortgage payment via phone, and was promised paperwork. Still with no paperwork other than a legal boilerplate document stating the name of the new loan processor ( still no loan number or amount ). I have now tried via both web ( where I must have my loan number to set up an account ) and phone ( where I have been placed in a queue and told that I would receive a callback within 24 hours ) for days, and can not get through to this company. I can not pay my mortgage, don't know my loan number and have no recourse whatsoever. This is intolerable.

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 2023-03-16
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Security Credit Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The accounts listed are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: MO
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:
These credit reporting agencies are constantly reporting unknown accounts on my credit files, but still relaying on electronic Verification for these accounts inwhich by law does not constitute as proof. In addition these agencies are also using outdated technology that's contributing to the spread of misinformation being passed on and its harmful to consumers and their credit worthiness. My identity has been compromised a few times but the 3 major credit reporting agencies makes it no better. I'm hereby demanding that the credit reporting agencies XXXX  and XXXX remove and block these unauthorized accounts immediately. [ 1 ] XXXX XXXX, [ 2 ] XXXX {$940.00}, [ 3 ] XXXX XXXX XXXX {$1000.00}

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 explanation
Consumer complaint received 2021-05-08
Company: AmeriHome Mortgage Company, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our refinanced mortgage was issued by a local lender and then resold to AmericaHome Mortgage ( NJ, USA ). The refinance overestimated our annual property taxes by over 25 % ( over {$1000.00} ) and this extra money accumulated in the escrow account. AmericaHome withdrew the overestimated amount but then paid our actual tax, leaving over {$1000.00} in extra cash. On the escrow statement ( datedXX/XX/2021), this extra money disappeared entirely and did not reappear after the correct amount was paid to the city taxing authorities ( shown on the loan statement dated XX/XX/2021 ). Only when we repeatedly called AmeriHome did they find the leftover money that had gone missing and issue a refund check for the difference between the estimated property taxes and the actual property taxes. Similarly, only at our insistence did AmeriHome update the escrow account going forward to change the amount set aside for property taxes to the correct amount and reduce our monthly payments to the correct amount. I fear that customers who are less scrupulous about reading the fine print of their escrow statements and loan statements are at risk of being ripped off by this company since over {$1000.00} went suspiciously missing on their paperwork. Unchecked, this could have gone on every year for the 30 years of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NC
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:
After reviewing the results of my dispute I am not confident that the bureaus investigation was accurate and complete in accordance with Metro 2 data field formatted reporting standard. Along with not being in accordance with FCRA 623. As well as multiple violations under 15 USC 1681 ( 15 U.S.C. 1681 Section 602, 15 U.S.C. 1681 Section 604 A Section 2, 15 U.S.C. 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights under the statutes listed above. 

The creditor has received payment for the accounts as a charged off and is now reporting my earned income. Please remove these accounts immediately as the information being reported is in accurate and violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it May Concern : My name is XXXX XXXX, and Ive been a victim of Identity Theft. I reside in XXXX, IL, and have lived here for XXXX years. Im originally from XXXX California and have not left Illinois to live anywhere else in the last XXXX years. At the beginning of the year, I received a credit notification that there was a {$1000.00} collection for a utility company in Texas! I started frantically calling the credit bureaus, and filed a police report in XXXX ( I will send a copy with this letter ). It turns out there are numerous accounts this criminal opened for electricity in the following cities ( XXXX, TX, XXXX, TX & XXXX, TX ). I now need a report to ensure there are no other accounts opened in my name outside of Illinois or California. 

Account # XXXX : XXXX XXXX Services XXXX Owed {$990.00} for Utility Services at the address : XXXX XXXX XXXX # XXXX XXXX Texas using the name XXXX XXXX Opened on : XX/XX/12 Closed on XXXX with a balance of {$990.00} Account # XXXX : XXXX XXXX XXXX balance of {$130.00} for Utility services at the address : XXXXXXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX I'm tired of fighting with companies all over Texas because criminals are opening up utility accounts and not paying by using my social security number which has ruined my financial wellbeing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
These credit reporting agencies are constantly reporting unknown accounts on my credit files, but still relaying on electronic Verification for these accounts inwhich by law does not constitute as proof. In addition these agencies are also using outdated technology that's contributing to the spread of misinformation being passed on and its harmful to consumers and their credit worthiness. My identity has been compromised a few times but the 3 major credit reporting agencies makes it no better. I'm hereby demanding that the credit reporting agencies XXXX and Transunion remove and block these unauthorized accounts immediately. [ 1 ] XXXX XXXX, [ 2 ] XXXX {$940.00}, [ 3 ] XXXX XXXX XXXX {$1000.00}

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 explanation
Consumer complaint received 2017-12-07
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.

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 2020-04-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per my last letter, XX/XX/2020, I asked your company to provide me with legal and validated evidence in which your customer service agent, XXXX, claimed was provided to your company by the creditors in this complaint, that warranted the resubmission of such accounts to my credit profile despite the fact that they were accounts legally identified as identity theft. 

My letter simply exercised my rights under FCRA rule section 11 ( a ) ( 6 ) and ( 7 ), the consumer has the right to request method of verification and that the bureau has 15 days to furnish their evidence. As of today 's date, XX/XX/2020, I have not received such evidence and it is 70 days past the allowed response time. 

I have been told my police report was invalid and that my FTC report was a fraud, I was lying, accounts couldn't be removed, everything possible to keep from proving to me why these accounts were reporting on my report. Both documents were notarized and on proper and legal letterhead/paper from their individual agencies per all legal policies and advise. I have sent in ID, proof of address, etc ( all of this is already on file with your company ) yet your company will not remove or prove these accounts belong to me. Your company is refusing to provide me with the proof, I am legally obligated to obtain by law that proves the accounts belong to me.

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 2019-10-22
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Denied loan based on excessive obligations in relation to income. What is the formula on debt to income, and if you are looking for bill consolidation loan, whats the drawbacks to that to lower obligations?

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 2023-11-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved.

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect.

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error.

Thank you for your attention to this matter. I am looking forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent certified letters to Transunion, XXXX and XXXX about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked transunion and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from Transunion or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.

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 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2020 I mailed out a letter to Transunion Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Transunion since my initial dispute. My dispute included accounts XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Transunion has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Transunion must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Westlake Services, LLC
State: LA
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 have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 


Account Balance 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 2022-04-14
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did a Balance Transfer, was charged a fee, to receive a zero percent APR on that balance transfer. 
I continued making purchases on that card but always made on time payments in excess of purchases to take down that balance transfer. 
As per the credit card agreement, for purchases I am supposed to receive a 24 to 30 day grace on interest on purchases. The way the credit card allocated the payments, they would allocate my payments against my balance transfer so that I wouldn't pay my purchases for the month in full, and as such allowed the credit card company to continue charging me interest. My understanding is that payments should be made against the higher rate balances first, which would be my monthly purchases, and then apply any additional payment against the 0 % balance transfer. When that wasn't being done, I asked the credit card company to explain how my payments was being allocated and so I can avoid the interest. They would not furnish this information to me on my request. As a result, I have been assessed hundreds of dollars in interest charges over the 0 % APR promotional period. I think the bank is not acting in good faith and given they wouldn't disclose how my payments were being allocated, that is a deceptive tactic. I should be compensated for the interest charges I have been assessed.

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 2023-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Re : Chase acct. XXXX, cashiers check XXXX I have been a client of Chase Bank for over twenty years. In XXXX and XX/XX/2023, my accounts were hacked three successive times. Chase Bank then closed my accounts and issued cashiers checks for the remaining balances. All three checks arrived at my house in open, unsealed envelopes. 
The above-referenced check, for {$2000.00}, issued XXXXXXXX XXXX XXXX was returned unpaid. I spoke with a banker who said the check would be re-issued. 
On XX/XX/XXXX I visited the branch and spoke with a banker. After a phone conversation with a Chase office, he assured me that the check had been re-issued and was being mailed that very same day. He said that when I received the check I should not deposit it in another bank but rather cash it as quickly as possible. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I visited the branch and spoke with a banker. She said she could not confirm the status of the check but would submit a new request that it be re-issued. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me they would make a new request that the check be re-issued, since it has not been re-issued or mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They declined to make a new request to re-issue the check and stated the check has not been mailed out. 
It has now been approximately two months since the original check was issued and I have not received a replacement.

Company response to consumer: Closed with explanation