BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Fidelity National Financial, Inc
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The response from the title company is not correct. The lender did NOT instruct them to hold my money for 3.5 years. Additionally, since they are responsible for paying the taxes, they should know after a reasonable amount of time ( 3-5 months ) that the check was not cashed ( show me proof of a check that was generated and mailed to the state treasurer. ) I attached the record and you can see no payment was received when due in XX/XX/XXXX until XXXX of XXXX ( when XXXX my lender made the payment to catch up back taxes ). this caused my escrow to go negative and my monthly payment to go up to replenish my escrow. 


I demand some resolution for damages. There is no excuse to keep my funds that long I would like accounting from the title company that was obviously caught in an audit. There are monthly and annual audits this should have been addressed years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2024-01-04
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
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:
ON THE FOLLOWING DATES XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MULTIPLE INSTITUIONS AND COMPANIES HAVE INQUIRED INTO MY CREDIT FILE REPEATLY WITHOUT MY EXPRESSED PERMISSION I HAVE NOT GIVEN ANY OF THESE FINANCIAL COMPANIES WRITTEN AUTHORIZATION OR PERMISSION TO INQUIRE INTO MY FILE .THESE INQUIRES ARE THE RESUALT OF FRAUD AND ID THEFT PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC SECTION 602 THIS IS A CLAER VIOLATION MY RIGHTS AND THIS COMPANY HAS NOT CORRECTED THESE. ERRORS

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 2023-04-28
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay my PayPal bills with my related Synchrony Bank credit card. The on-line payment information provided by Synchrony Bank shows `` Current Balance '', and " Minimum Payment Due. '' It does not show the balance as of the end of the billing period. So the choices provided fail to show the option with the required amount to be paid without incurring finance charges. 
The " Current Balance '' can include charges incurred after the end of the billing period, so this choice would have the consumer pay more than the amount required to avoid finance charges. And the " Minimum Payment Due '' would usually incur finance charges on the account. 
This is bad disclosure and, I believe, constitutes an unfair business practice. The billing statement should also indicate the balance at the end of the billing period so consumers will know how much they need to pay without incurring a finance charge. 
The Synchrony Bank chat facility ( on XXXX XXXX ) could not, or would not, provide the information of the end-of-period balance, and did not properly identify the government agency information for regulating such practices.

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 2023-05-19
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXXXXX AND XXXX XXXX XXXX XXXX XXXX. ON FORECLOSURE ISSUE., THE SALE DATE IS SCHEDULED FOR THE XXXX OF XX/XX/2023 XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Mr. Cooper Mortgage Service XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX This is to give you an update on our situation with Mr Cooper. You have requested that we keep you informed. The judge ruled in our favor to do a short sale. We have more than two offers on contract to sell the house. Mr. Cooper is refusing the offers, saying that it will take too long to close. The court has a scheduled hearing for the XXXX of XX/XX/2023. The problem is that the title will pass hand on the XXXX of XX/XX/2023. We are writing to request your office to intervene. The sale date we need to be moved. Also, Mr. Cooper should allow the short sale to go thru the process. One of the offers the buyer was already preapproved, while the other offer was from an investor who wants to pay in cash. Please see attached sale agreement. Also, Mr. Cooper has given different information regarding the balance owed on the house. First Mr Cooper said that we owed over one Million balance on the mortgage. Then they said that the loan balance is XXXX Dollars. Again we did an appraisal on the house. Our appraisal came out to {$430000.00}. Mr. Cooper is saying that they did a drive-by appraisal. That the drive-by appraisal is {$330000.00}. Mr. Cooper has done everything to frustrate our effort to work out any resolution. The judge first recommended that Mr. Cooper do a modification. Mr. Cooper never came up with any modification. I know that the notice for you to intervene is short. Please we are applying that your office intervene in our situation. Thank you in anticipation. 
Our house address is XXXX XXXX XXXXXXXX XXXX XXXX Connecticut XXXX. 
Thanks, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
COMPLAINT TO BUREAU OF CONSUMER FINANCE I am an XXXX XXXX XXXX senior citizen. My laptop was hacked on XX/XX/XXXX and I was scammed of {$65000.00} in a wire transfer to XXXX  XXXX XXXX in California through my HSBC bank on XX/XX/XXXX. This amount is the bulk of my retirement savings and is of serious concern. Once the scam was discovered on XX/XX/XXXX a recall of my funds was initiated via HSBC but to no avail. HSBC issued a receipt showing Date Available of my funds as being XX/XX/XXXX, a full 5 days after the wire transfer to XXXX XXXXXXXX XXXX. Unfortunately, HSBC has not been supportive despite my having been a long-standing HSBC Premier customer. I believe that HSBC has a responsibility to me and to the return of my retirement savings. 
Also, I have communicated with the XXXX District Attorney 's Office, the NY Police at XXXX Precinct, and the Federal Trade Commission. 
XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
This is a second complaint to the pending response of complaint : XXXX I paid this credit card off in XXXX and failed to cancel an automatic payment of {$100.00} that was paid in XXXX. I called today XX/XX/28 and they said I owed interest after I paid off the card. It is an unfair and deceptive practice to charge a consumer interest after the account was paid off. BofA refused to refund my {$100.00} and said that I owe them interest in the amount of XXXX. I want BofA to refund my {$100.00} payment and any interest owed from the 1st complaint.

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 2022-09-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As of today I have no idea why JP Morgan Chase Bank , N.A . is taking me to court. 
I do not recall such an account using only my middle name. 
This appears to be fraud or identify theft which I filed several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I recently received a copy of my credit report and found inaccuracies on the XXXX account. This account is closed and is showing late payments.

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 2022-12-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Department of Education Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 2021-10-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was an ATM withdrawal of {$1800.00} on XX/XX/XXXX which I did not make or authorize anyone else to do so. I called the bank to make a claim on XX/XX/XXXX which is when I noticed the transaction and also noticed that I did not have my card on me. The bank issued a temporary credit of {$1800.00} while they investigated. I received a letter dated XX/XX/XXXX saying the claim was resolved and that they had found the the charges were made by me or someone who I authorized to do do. The bank will deduct the {$1800.00} from my account on XX/XX/XXXX. I called the bank to make a complaint about this as I am very frustrated with their conclusion. The card was lost by me, yes, but the bank allowed someone to withdrawal {$1800.00} from the ATM with or without an ID that was not the owner. I am the only authorized person to make any transactions and I did not make this transaction. I am disturbed at how someone was able to withdrawal that amount of money from my account when the withdrawal limit at an ATM is {$1000.00}. The bank has denied my claim and I strongly ask for this to be looked into.

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 2021-10-14
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:
On XX/XX/2021 I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX Negative Accounts : 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 Equifax  Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: Resurgent Capital Services L.P.
State: KS
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:
XXXX XXXX took over my XXXX dollar credit card account from XXXX XXXX XXXX I missed a payment and they started threatening me and harrassing me by countless phone calls and mailings. they even threatened with a law suit. and now its doublled to well over XXXX dollars. I have contacted them telling them my health is declining rapidly and I am on both XXXX and XXXX. I have even sent them doctors statement as well as copies of my income My neck and spine is degenerating and narrowing and i have allready had 1 XXXX   XXXX on it. There is nothing more they can do and I will eventually wind up in a wheel chir. Neither of wich matter to them. They keep increasing the debt owed even though I told them there is no was to pay them back.. They told me communications would cease but yet they increase the amount owed?? My credit is not the greatest XXXX XXXX and XXXX XXXX XXXX and its due in part to this credit account. Any information you may need you can email me at XXXX my private email address. 
Thank you both for your time and attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been unable to set up bi-weekly payments. I had to supply the required documentation 6 times before they agreed that they were received and by then, I had to pay them another full payment before I could set up bi-weekly autopay. Every call to them is 30 minutes ( after hold time ) at minimum and never results in resolution. I feel that they want to keep me from making bi-weekly autopayments as it will save me interest over {$32000.00} over the course of the loan. This company seems less than reputable and I am sad my loan servicing was transferred to them.

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 2023-09-21
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification of a debt that I do not recognize. I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. Additionally, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. According to my credit report, the account in question is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
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:
Equifax ; XXXX and XXXX are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was contacted by phone by XXXX XXXX ( XXXX XXXX, XXXX ), who said I was looking for auto insurance for a XXXX XXXX online. I was not looking for auto insurance information, and I do not own a vehicle corresponding to that information. They stated my information was provided to them by a company called XXXX XXXX, whom I have never contacted or otherwise authorized to distribute my personal information. 

I am concerned, as I have previously been the victim of financial fraud after XXXX breaches. 

I pulled my free annual credit reports, and found that today unauthorized Soft Pulls were made for my information through XXXX ( XX/XX/XXXX ) by the following insurance agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX I have placed freezes on my accounts in the past, and asked all the agencies to put blocks on providing my information for promotional purposes. Despite asking for my information to not be used for promotional purposes, Transunion continues to distribute my personal information to Transunion Interactive on a regular basis.

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