BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is an extra {$40000.00} on my payoff. I have provided them with documentation that this was to be forgiven if I made 12 on time payments. I have disputed this for a month and it is holding up my the sell of my house.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: BARCLAYS BANK DELAWARE
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: Reporting company used your report improperly

Complaint:
I am XXXX XXXX  and have just had a XXXX XXXX XXXX Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

XXXX XXXXXXXX : All accounts, beginning with : XXXX, XXXX, XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and purpose.

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 2019-11-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
BMO Harris has in the past and again is not posting extra principal payments to 3 of my loans. 
Loan 1. Payment made {$1200.00}. Normal payment is {$650.00}. Extra principal XXXX never applied and payment for {$1200.00}. never even shown on statement. Only shows what was due as a payment. Stopped making auto payments as they say their computer system does not recognize the extra payment. Now write a check for each loan and hand deliver it to the bank with the extra principal amount shown on the payment coupon. Still they continue to not post these payments correctly. 

This has happen with 3 loans I have with BMO. 

Earlier this year they started the same practice of not applying extra principal payments and it took 3 months to straighten out.

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 2022-08-12
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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 2023-01-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would advise you that the company 's actions in refusing to correct the violations and inaccuracies on your credit report, and then subsequently changing the information that was reported, may be in violation of several provisions of the Fair Credit Reporting Act ( FCRA ).

First, under section 611 of the FCRA, credit reporting agencies ( CRAs ) have an obligation to investigate disputes submitted by consumers and to correct any inaccurate or incomplete information that is discovered as a result of the investigation. By refusing to correct the inaccuracies on your credit report, the company may be in violation of this provision.

Additionally, under section 616 of the FCRA, CRAs are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. By changing the information on your credit report without conducting an investigation or without providing notice to you, the company may be in violation of this provision.

Furthermore, under section 615 ( a ) of the FCRA, CRAs are required to provide consumers with a notice of their rights under the FCRA upon request, including the right to dispute inaccurate or incomplete information in a credit report and the right to receive a copy of the credit report. By not providing you with such a notice, the company may be in violation of this provision.

refer to the picture that BEFORE and after our conversation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/2020, I apply for a mortgage, while in processing, I was told to call all three credit bureaus, to have them removed the dispute, while going through underwriting. I notified immediately, and was given confirmation numbers, but my lenders states it still showing. This process have been about a month, and the are refusing to remove the dispute, even after they stated that it would only take ( 72 ). But has not been done

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 2018-04-30
Company: Bayside Capital Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX called my mom dont know how they got her number telling her I need to contact them ASAP regarding a legal claim. When I called back XXXX answered and was trying to say I had a bounced check for a loan from XX/XX/2016 from XXXX XXXX XXXX who by the wG is illegal in the state of California, but when I told him I never received a debt validation written notice he said a thats why were giving me a courtesy call then he started to get mad saying I dont pay my debts so I started going off on him questioning the legitimacy of the company asked for his business license he hung up. Then I called again and some supervisor answer and was trying to verify my info I said no until I get that written notice am not verifying XXXX and he said I dont have the license number we dont have to provide it. I said I dont give a XXXX do what you got to do if that means well see each other in court so be it. And he hung up never once did he disclosed my name is XXXX this is an attempt to collect a debt nothing this people are rude and nasty but when you treat them the same they hang up. They think there smarter and can scare you wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-10-08
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My bank account with TD bank was levied for all the money/balance. I was informed that " Midland Funding '' LLC was behing this levy on my account. A sheriff court officer supposedly provided a supeona to my bank. I don't recall ever signing off and acknowledging any debt for the over {$3000.00} I supposedly owe. I would like to know who the origicanal creditor is of this debt. I have read many other complaints online in reference to this Midland Funding. Perhaps I will speak with an attorney about this levy. In the meantime I was told to inform FTC. I assume perhaps you all have received complaints about this company. Please see the following websites where other people have complained. This company needs to be investigated. It seems like they are attempting to collect on very old debts. Please take a look at the following complaints on a few websites that I visited. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-11-24
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX from Key Bank called with no answers-I told her to overnight my card uts been 15 months. She refused. This bank stole {$2000.00} and is refusing to send a working card. I asked for card XX/XX/2020 and XX/XX/2030 and still have no card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that XXXX XXXX XXXXXXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: CITIBANK, N.A.
State: TX
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 credit card was fraudulently used in XXXX of 2022. I alerted Citi bank as soon as I realized the two transactions had occurred. They assured me I would receive a refund for the two transactions. I received a temporary credit but it was withdrawn and my dispute was denied. Supporting documentation was sent from the merchant and I have called several time trying to resolved the matter but I am repeated denied a refund on funds that was stolen from me. I am willing to produce witnesses and affidavits to attest to my whereabouts. Also, the merchant, XXXX XXXX XXXX, confirmed that one of the two purchases can only be made with the park itself, not online.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several accounts are being reported that aren't mine.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Comerica
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I called Direct Express explained that I thought my card had been compromised and wish to get a new card. I explained that I was visiting a relative but wanted the replacement card sent to my home address. I gave them the address. After almost 10 business days I called to find out where my replacement card was. I was told wait 2 more days and then call back. I received the card on the 2nd day of waiting and proceeded to try and activate. That was 3 days ago. I still have not been able to get through to activate. In the mean time I receive a letter telling me they had shut the card down because of activity. How do you have activity with an inactivated card? I have been on the phone for now 4 days and waiting I might add 45 min, 1hr 45 min, 56 min, I hr 13 min, 2hrs 17 mins, and more! I finally get through explain to them that I had received the letter and promptly told that I would have to get an verification code. I explained I had borrowed my cousins phone and couldn't remember the number. I had tried so many times to get them I was panicking that they would hang up and I'd lose my opportunity. Well they asked questions that I might add I find a privacy issue. I couldn't remember one of the answers and told them repeatedly I didn't know and was told its yes or no. Needless to say I picked the wrong one and couldn't even discuss my card. Again 2x today I have tried to call on hold right now as we speak have been on hold for 42 minutes this time. I hate that they have the power without notifying me to shut my card down. I hate that because some person somewhere else tells them I lived somewhere I can't remember that I can't discuss my card but they can shut it down. I hate the fact they will not answer the fricking phone!!!! Here it is XX/XX/XXXX and I have been all week trying to resolve what ever situation they dreamed up and can't get through. My check comes the XXXX. Holiday weekend. Can't get through. What has happened that they have all the say so over my money? This is unacceptable!!! Who the XXXX do they think they are? Please, do something about them this has happened to me numerous times and everyone that has a card I've talked to. I want to switch but told it will take two pay checks, who can wait 2 checks? Please PLEASE! Do something about them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
Hello! 

I pull my credit reports and notice bankruptcies on my credit report. I reach out to all three credit bureaus asking for method of verification. I received notice that their verification came from LexisNexis. I sent LexisNexis 2 letters certified mail asking them where did they get their verification from. They have not sent me letters regrading this matter. I sent one in XXXX and another one in XXXX. It has being well over 15 days without a respond regrading my investigation. 

I have also attached my letter and certified receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to pay my credit card off in the beginning of XX/XX/2023. I had requested a new credit card and they told me they couldnt except my payment because they had closed my previous card and didnt have a new card number to apply the payment to. They gave me a payoff amount and when I received the new card I payed that amount and the same amount was listed on the website. I assumed this was taken care of. I then got a notice in XXXX on XXXX XXXX that I had a late payment reported. I called the credit card company and they said that there was {$8.00} outstanding ( I dont know what this charge was because I paid the card off and made no further purchases ) and late fees. In XXXX there was a dispute issued for the late fees and negative report to the credit bureau. I called numerous times for a follow up and still no resolution. On XX/XX/XXXX I called to find out the status of the dispute. I said can I just pay this to avoid further late charges and more concerning another negative report to the credit bureau. The customer service agent said I could not make a payment because it was in the dispute review. He assured me to just wait until the dispute was completed. I got notice on XXXX XXXX that my credit score was even lower and an additional late fee was added to the credit card. So, I was on the phone for another 1 1/2 hours trying to find out why this was reported again since they refused my payment the previous week and it is all being reviewed. ( My credit score has taken well over XXXX point hit because this. ) The customer service person said he is escalating the case again and I would hear back in 7 - 10 business days. I have heard this at least twice before and still have no resolution. I just want my credit score restored.

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