BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started having problems with this company last year when they couldn't figure out where to put the extra money I paid for my escrow account. so I received a letter stating there was a shortage so I called and was told if I paid the full amount the monthly mortgage wouldn't change so I did. since I was late reading the noticed I paid {$150.00} for XXXX then I paid regular mortgage {$990.00}, I also paid a total amount of {$1000.00} for the escrow shortage and fees. I spoke to a XXXX XX/XX/XXXX to ask why the money wasn't put into the escrow account she said it was but the statement showed otherwise. so after that I kept getting new charges and my mortgage went up double, I called again on XX/XX/XXXX and spoke to XXXX # XXXX, she informed me that that the extra money I sent was put in a 'SUSPENEDED ACCOUNT ' not put in the escrow, and they were taking money to apply to my mortgage which I was told would be {$1000.00} but since they didn't apply the amount to my escrow they were taking it out of this account each month?? so she said she would put it all in the right account and I still had to pay and additional {$170.00} total me paying {$1300.00} and everything was supposed to go back to the {$1000.00}. which I paid over the phone. but the next statement was like I hadn't paid any of the fees and I get a letter stating delinquent and he said I missed a payment I have never missed a payment in the 16 yrs that I had my house. they are making me late with other bills paying extra money, now I can't refinance because of other payments this has dropped my credit score. I am so disappointed with this company. I want it cleared so that I can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called repeatedly about a late payment. I was called at XXXX, XXXX, and XXXX. No message was left on any of the calls. The payment was already made this morning. They stated I can only stop the excessive calls by requesting to be added to the do not call list. If I forget to make a payment I definitely would like to be informed but the only option is repeated calls or do not call at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had a XXXX XXXX membership charged to my business credit card monthly since XXXX. I did not signup for this membership. I have contacted XXXX four times. They say they will investigate but then I dont get a response. Lastly, they said they could the the charge to my card each month but couldnt find an account linked to charge and told me to contact XXXX to credit back and stop future charges. I have called XXXX 5 times and thoroughly explained the fraudulent charges. Two weeks ago they assured me all charges would be removed. But, charges are not credited and I have another monthly charge in this statement. Now XXXX  tells me XXXX has to fix. They each say the other has to fix. BUT NO ONE IS CORRECTING THIS AND IM BEING CHARGED!

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 2023-09-13
Company: ENCORE CAPITAL GROUP INC.
State: LA
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:
wages are being garnished by XXXX XXXX attorneys for a debt that i am unaware of. they said they served me papers that i did not get or sign for. i asked for proof of this debt and that it belonged to me and i did not receive anything. they do not answer the phone or return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2017-11-13
Company: Experian Information Solutions Inc.
State: TX
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 reviewing Free Credit report today XXXX/XXXX/XXXX and saw a description someone tried to apply for XXXX service. 

XXXX XXXX, XXXX I was in XXXX XXXX, Texas. 
I had just arrived from XXXX XXXX. 

Please clear this up. 

XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX Inquiry from 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 2023-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I attempted to close my Citizen 's Bank XXXX account through the phone. I was assured that my account would be closed, and that the remainder of my account would be sent to me as a check in the mail. 

I received the check within a few days, but never received confirmation that the account was closed. On XX/XX/2023 I wrote Citizen 's Bank a letter asking them to send me confirmation that my account was closed. 

On XX/XX/XXXX, I received an email saying that a scheduled transfer from my main XXXX XXXX was going to take place to my ( should now be closed ) Citizen 's Bank account. I called Citizen 's Bank and asked the representative to confirm that my account was closed, and asked to verify that any scheduled transfers were canceled. She confirmed that the account was closed and that the scheduled transfer would not go through. 

I have only had bad experiences with Citizen 's Bank and therefore didn't trust this, and so I paid {$15.00} for a stop payment request from my main bank. As I suspected, I was lied to by Citizen 's Bank and the scheduled transfer was attempted XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: August Real Estate Investments, LLC
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:
My husband and I sold our home in XX/XX/2022, because we found out that we purchased our house with a wrap mortgage ( unbeknownst to us ). A few months later, August Real Estate Investments ( the servicing company ), reported to XXXX that we owed late payments that total {$3800.00} and the balance of the home of {$180000.00}. 

I have spoken with August REI staff, via telephone and email, and was told that the account was reported closed in XX/XX/2022, with a balance of {$0.00}. Because of this, I disputed the discrepancy on XXXXXXXX XXXX website. When I received the results of the dispute, the discrepancy remained on my credit report. Since then, I have disputed this inaccuracy four separate times. The results continue to state, " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY ''. 
Again I made contact with August REI and was told that they would dispute the matter and have it removed. That has not happened. My most recent results were returned on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
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 with the Fair Credit Reporting Act : The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account name : # XXXX XXXX Account number : # 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 states : A consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : 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 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 2023-03-21
Company: Experian Information Solutions Inc.
State: WA
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:
In XXXX of 2020 I had one late payment for my loan through XXXX now Achieve. They agreed through phone calls that they would delete the one late payment because it was in the beginning of covid-19 and I had not had another late payment since on the account. 
Experian has not updated my account it still shows late reporting on my XXXX acct. Please remove the late payment as agreed through phone calls.

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 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 called the company ( Capital One ) on XX/XX/23 in effort to reconcile my past due account. The representative I spoke to offered a fee-depression plan ( that will stop the account from incurring anymore fees. I welcomed the idea and asked to be enrolled in that after explaining that Ive been going thru a hardship after I lost my job, and I also asked to speak the supervisor to work out the monthly payment amount. The representative was eager to transfer me and When I finally got to speak to the supervisor, she told me that I cant have the offer anymore because I declined it. The representative that I spoke to or her supervisor must have declined the offer that was given to me on the account against my will so I can pay more than I should. It is just another way of collecting more money from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Balance {$9500.00}

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 2023-06-27
Company: EQUIFAX, 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:
The XXXX XXXX XXXX XXXX credit card has been paid off sense XXXXXXXX XXXX XXXXXXXX XXXX XXXX has yet to update the credit bureau is accurate information showing the card with a XXXX balance. I have requested a dispute with Equifax. After the dispute was complete in early XX/XX/2023, their results were XXXX XXXX is reporting there is a maxed out balance on the credit card at the time of the dispute. I reopen the dispute. The results for a second time were XXXX XXXX is reporting there is a maxed out balance on the credit card. I called XXXX XXXX to inquire and request a fix about the issue. XXXX XXXX stated they show no balance on the credit card and would report the fix to Equifax. It has now been more than a week, and the issue still has not been resolved. According to XXXX XXXX, the issue would be resolved as of XX/XX/2023. It has not. This issue is impacted my credit as I am in the process of moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal. 

Also you are not reporting Fair and accurate reporting to my consumer report. 

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.

Remove account immediately this account is not in compliance with the FCRA fair and accurate reporting. 
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 2023-07-08
Company: COMMERCE BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been trying to cancel my Commerce Bank XXXX  card for XXXX months, since XX/XX/2023. I do not use the card and have recently been scammed twice and am very concerned about identity theft. I have made it clear to XXXX different Commerce Bank customer service representatives over the phone that I URGENTLY wish to cancel my account, and yet my account is still open. Every time I call, I wait on hold for more than a half hour before I can speak to anyone, then the person says they can't help and transfer me to someone else and I wait for XXXX minutes again. I spent an XXXXXXXX XXXX XXXX XXXX on the phone approximately XX/XX/XXXX and finally someone at least said they'd send me the paperwork even though I was away from home and working in another state and told them I wanted my account closed immediately. I am not home and the paperwork never arrived. My account is still open. I just tried calling again and was on hold for another XXXX minutes but gave up. I've wasted at least XXXX hours trying to cancel this account and have been unsuccessful despite telling people on the rare occasion I actually get through that I urgently need to cancel my account. I see no way to do so online. Very irresponsible and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Fidelity National Information Services, Inc. (FNIS)
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 is missing that should be on the report

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

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 2023-07-08
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Based on American Express nonperformance of fiduciary duties and ignorance of the law : Performance in Good Faith : I expect American Express to fulfill its fiduciary duties by promptly performing all obligations to the PRINCIPAL 'S account ending in XXXX and XXXX in good faith. Principal Account Reinstatement and Opening : American Express must immediately apply the funds to the open the account ending in XXXX and XXXX, which was both wrongly not credited or rendered inaccessible due to American Express fraud department ignorance of the law. I submitted a negotiable instrument in switch American Express did not accept without any detailed explanation. They stated that the payment was non negotiable but did not state what made the payment non negotiable. In a detailed manner I am asking what made the negotiable instrument, non negotiable? If not acceptable my next steps are to sue the company for damages because this is harming me from excelling in life and buying a car and home for myself because of the ignorance of the law. The negotiable instrument had everything that was needed to have the money sent to them. Under UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Company response to consumer: Closed with explanation