BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Southwest Business Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a Chapter. XXXX Bankruptcy and fell behind on my mortgage payments by 3 months. The mortgage company sent for a dismissal of my bankruptcy on XX/XX/XXXX if I didn't pay the three months immediately. So to avoid getting dismissed I paid all three payments at one time on XX/XX/XXXX. They still certified the dismissal of my bankruptcy even tho I paid all three payments within the 30days. When I call to speak to the mortgage company no one can give me a answer on why they did that. My bankruptcy attorney said they should have pulled the dismissal ounce I paid> Every time I call the mortgage company they avoid the issue by putting me on hold until I hang up. On XX/XX/XXXX I was put on hold for a hour and eight minutes with out anyone coming to check in on me or anything before they just hung up on me. I have called and ask to speak to a supervisor to try and get some answers and help and every time they tell me one will call me back within 24 hours and no one ever does. I asked to speak to a supervisor on XX/XX/XXXX and I never got a call back. Now they are sending me demand letters that I bring the account current for XXXX and XXXX payments or else they will foreclose on me> Since I have just made 3 payments in XXXX its hard for me to pay two more payments this month. So I just have one payment set up for the XXXX of this month to pay XXXX and sent in a loss mitigation assistance package with supporting documents like bank statements and they say they wont accept my bank statements because I got them from my bank online. So my main complaints is that they got my Bankruptcy dismissed after I paid the amount I was told to pay and that I cant get a supervisor on the phone and they keep putting me on hold for over a hour and then just hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Have Some Fruad Accounts Appearing On My Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were only XXXX checks. I dont know if I downloaded the pictures properly. A fair resolution would be to release my money immediately so I can start paying my bills. They dont need to hold onto my money one day longer. Its criminal.

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 2023-05-23
Company: EQUIFAX, INC.
State: LA
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
! n accordance with the Fair Credit Reporting act Lvnv Funding, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Lvnv Funding has been sending me collection notices in the amount of {$310.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: AL
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NY
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BSI Financial Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a house through the VA 's foreclosure process and have a VA backed investor mortgage. The company servicing my loan is BSI Financial Services. The loan closed in XXXX. I have not been provided with a mortgage statement now since XXXX. I first called in on XX/XX/2021 to request a mortgage statement as I need one now as I'm in the process of refinancing my primary residence and the mortgage company needs a copy. I've now called BSI 7 times. I also created an online profile and there is no mortgage statement showing. I was told the first time calling to allow 24 hours for the statement to show online. It didn't. I called a second time and was told it would be sent via email in 24 hours it didn't. I've been told it would be expedited and clearly it hasn't. The call line claims another department handles it, but won't transfer me. I've asked for a supervisor, but can't get transferred to one. This has been a horrible experience and I've been lied too numerous times and there still is no resolution.

I have paid on time every billing cycle even though no one has sent me a statement. In fact, I'm even enrolled in auto-pay. I thought it was required to provide a mortgage statement. Now, this is going to cost me the opportunity to refinance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a phone call ( never left a voicemail ), mail, or email regarding this debt collection. I asked for the hospital to send me an itemized list to compare pricing to make sure they were not over charging me. And they never did. I called and let them know I never received the list. And they never called me back.

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 2023-08-07
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX options which involved me making deposits for a total amount of XXXX XXXX ( around XXXX USD ) from my CashApp account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

XXXXDEPARTMENT OF EDUCATION : ACCOUNT # XXXX XXXX/DEPARTMENT OF EDUCATION : ACCOUNT XXXX XXXX XXXX/DEPARTMENT OF EDUCATION : ACCOUNT # XXXX XXXX XXXX EDUCATION : ACCOUNT # XXXX XXXX  XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXXXXXX XXXX XXXX : ACCOUNT # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and 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 2018-05-02
Company: Bread Financial Holdings, Inc.
State: CA
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:
Complaint about XXXX XXXX This bank issues credit cards to XXXX XXXX XXXX   stores customers and handles the credit card purchases. I was late couple of time, one time 2 hours and another time 6 minutes. I pay on line and the cut off time for payment is XXXX XXXX pst, but I thought it was XXXX.   Technically compare to few years back that on line payment was not common, they had to receive payment on due date and it would take 2-3 more days for them to receive the actual payment, but now days with electronic payment system it is instant. 
I asked them if they could waive the late fees and they said no. I said ok, then I'll pay what I owe for items that I purchased - minus the late fees- and asked them to close the account. They closed the account but kept late fees as balance of the account. This was back in XX/XX/XXXX. Since then they keep adding late fees. I paid what I purchased, I thought that was fair. I actually paid them extra {$20.00}, beyond what I purchased. 
Can they keep adding late fees, even after account is closed? 

Can you help on this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I recieved an AMEX prepaid Gift card last year in the XXXX of XXXX as a gift These cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Its taken 2 years and probably 24 full hours of run around from new rez mortgage company to get our PMI removed. 

They sent an unqualified agent to do the appraisal after the value went up almost 34 % in the market here. We added $ XXXX worth of tangible upgrades and she appraised us for less than what the property and home was appraised for at the time of our closing. Were apparently the only new construction property in XXXX  Florida that lost value during Covid? Ha! 

They have no intention of removing the PMI despite valid comps. They wont let us have an independent assessment done- they said it wouldnt count in their decision. 

We signed off on approval to pay for their choice of agent to come out and instead just received a denial letter - the reason being we werent willing to have the appraisal done- despite paperwork on file that they acknowledged receipt of stating otherwise. 

Im ready to give up. This is just theft by New Rez Mortgage Company at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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:
Back in 2018, I found out someone was using my identity.

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 2023-12-08
Company: EQUITY LOANS LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XX/XX/2023 I asked for assistance provided everything they needed and they never provided assistance keep changing my mortgage amount I have a high insurance and they improperly calculate my taxes on my mortgage. 

Harassment continues they keep calling every day asking to speak to my mother when they know I handle all the finances. 

Every month my mortgage is a different amount. Every time I call I get a different person and theyre not educated on mortgages!

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Back in 2018, I found out someone was using my identity.

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 2022-06-17
Company: CITIBANK, N.A.
State: MS
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:
Dear CFPB, XXXX XXXX charged {$10000.00} to the Citibank Visa for attorney fees he sought from Attorney XXXX XXXX. Prior to this XXXX told me that he did not have a citi credit card in my name. Once I saw my statement my attorney alerted XXXX XXXXXXXX XXXX law firm of the charge. It was {$10000.00} for a retainer of which at that date of notice to XXXX XXXXXXXX XXXX firm {$1800.00} had been delivered in services to XXXX XXXX. I also notified Citi bank and also the FTC of identity theft as XXXX XXXX impersonated me on a security website day 's prior to this event. XXXX XXXX did not reverse any charges. Citi Bank also did not reverse any charges. I have copy of the identity theft report as well as the notice sent to XXXX XXXXXXXX XXXX law firm from my attorney.

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 2017-09-17
Company: Experian Information Solutions Inc.
State: FL
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/2017 I sent XXXX XXXX, experian proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX XXXX experian with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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:
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. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, violated my ri

ghts 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 inac
curate.

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