BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My home property taxes were assessed at the wrong percentage of XXXX XXXX instead of XXXX XXXX because the house was not listed with the county correctly. When I saw the issue because of much higher my monthly payment was and my escrow being incorrect, I contacted XXXX, who was then the servicer of my mortgage. They told me I needed to go and fix the issue with the county, but advised me that it was best to go ahead and pay the higher incorrect amount now and to keep my loan current, and that when the county issued the money back to XXXX, I would receive a refund for the overage. This should have been in the amount of {$680.00}. As I was in the process of getting my taxes fixed with the county, I found out my loan was sold and now being serviced by a new lender, M & T Bank. They still have the incorrect amount as my monthly payment that is due. I have had to do A TON of back and forth trying to get this all situated. So on XX/XX/XXXX, a check in the amount of {$2700.00} was sent from XXXX XXXX to XXXX, who handles the billing for both of these lenders, the check initially went to XXXX, then I had to get XXXX to send the check to M & T, and now they are telling me that I am only due an overage of {$54.00}. I spoke with a woman named XXXX from XXXX XXXX on XX/XX/10, then XXXX and XXXX at M & T on XX/XX/10, and then their supervisor XXXX XXXX who told me I would be receiving a check for {$680.00}. A month goes by and nothing, then I receive a new analysis saying that my overage is only {$54.00} because the last analysis was saying I was suppose to pay {$20000.00} in XXXX as well, but I purposefully didn't make a payment to M & T UNTIL we got everything squared away, and now they are taking money back saying I owed them the higher, incorrect, amount. Bottom line is, I paid a higher, incorrect, amount to XXXX in XXXX, they sold my loan to M & T, and now they are telling me too bad, you're not getting the money back, even though that is what I was advised to do. Please help me rectify this, I have jumped through a hundred hoops and thought I had it squared away and it's not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2018-12-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 the senior loan processor handling my refinance contacted Rushmore Loan Management services requesting a payoff quote for XX/XX/2018. Rushmore did not respond. The loan processor then submitted additional requests that were ignored. On XX/XX/2018 I contacted Rushmore by phone to request a payoff for XX/XX/18 and was told that it would be sent by fax to the loan processor and to me by mail ... it was not. XX/XX/2018 I contacted Rushmore again and was told it would take 24 to 48 hours, then told 3 to 5 days. and told a manager would put a rush on the request and it would be faxed within 24 hours ... it was not. On XX/XX/2018 I contacted Rushmore to find out why they had not sent the payoff quote was told it would be faxed within the day ... it was not. I was supposed to close on my refi on XX/XX/2018 and was not able too, it was rescheduled for XX/XX/2018. On XX/XX/2018 I contacted Rushmore and was told again the same lies. The payoff quote was not faxed again to my loan processor. XX/XX/2018 at XXXX XXXX  and XXXX XXXX I was told that the payoff quote would be faxed to my loan processor within an hour by and consumer service person and a manager. It was not sent. During this entire time the loan processor continued to contact Rushmore and had similar results as I had. The processor from the title company handling the closing also attempted to obtain a payoff quote from Rushmore with no success. Today, XX/XX/2018 I am suppose to close for the second time but can not because Rushmore will not send a payoff quote, I am beyond frustrated and concerned that the date on this loan is going to expire and I will have to get a new loan and the interest rate will be higher. Rushmore is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICAN EXPRESS is attempting to dishonor federal law and the truth in lending act regulation Z by attempting to not regulate it like the open-end credit account it is pursuant to 12 cfr 226.2 ( 20 ) .I am only subject to pay a finance charge from time to time, not any transaction made.Also pursuant to regulation Z it is a well known fact that A bank can not extend credit.Due to that I have conducted a private administrative audit by right of action requesting a full file disclosure in pursuant to 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private, I must clarify who funded this account and the amount owed according to the journal and ledger entries from the date of open of the account as described in IRS publication 583 . Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. Pursuant to. 18 USC 8 all debts are the obligations of the United States a federal corporation defined under 28 usc 3002 ( 15 ) .Pursuant to 31 usc 3123 the United States has pledged to pay all public debt and interest.Technically AMERICAN EXPRESS is acting as a 3rd party attempting to collect this debt .Pursuant to 20 CFR 422.103 ( d ) the social security number attached to this account belongs to the social security Administration therefore so does any alleged debts.AMERICAN EXPRESS is in violation of 15 usc 1692e as they are telling me an amount is due on my account that has a positive credit balance which is false and misleading as I can not pay something that is already positive.I have reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over 1 dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error. on June 5,1933 Congress enacted HJR 192 took away our ability to pay with lawful money and gave us legal tender that shall be discharged dollar for dollar. AMERICAN EXPRESS is in possession of a negotiable instrument pursuant to UCC 3-104.even if they dont accept it UCC states they must discharge to the extent of the amount of tender pursuant to UCC 3-603 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-11-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company Equifax, XXXX, And XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that Equifax, XXXX, And XXXX remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of FrauXXXX, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: CT
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:
I have letter from creditor directly and email correspondence, about the mortgage being late and inaccurately reported. The mortgage company also has a mortgage for XXXX XXXX and I've never bought a house for more than {$400000.00}. This negative information needs to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.

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 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 submitted a consumer credit card dispute with Capital One regarding a credit card purchase that I deemed unauthorized because the seller/merchant engaged in fraudulent behavior in its sales marketing. I relied on deliberately false and misleading representations for a {$79.00} purchase, and was deceived to purchase a product that was not similar to what was advertised. When the product received was patently and materially not what it was presented to be, and of significantly less value, I tried to resolve the dispute with the merchant, without success. 

I then filed an unauthorized debit claim, pursuant to Reg E and the Electronic Fund Transfer Act, with Capital One ; the financial institution credit provider. I submitted all correspondence between the merchant and myself to Cap One and communicated my contention that, as the merchant clearly perpetrated a fraud in its " bait and switch '' conduct, the transaction must be viewed as unauthorized under Reg E. As it was timely filed with Cap One, it was stunning to receive notice from the credit card issuer that my dispute had been denied. 

The Cap Oine Case Number is XXXX. If this claim is dishonored, my fear is that Cap One may be engaged in a pattern and practice of actions which are inconsistent with the requirements of the regulation, to the detriment of protected consumers. 

Thank you for your assistance. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30
Company: Professional Recovery Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FOUND OUT TODAY I WAS SENT TO COLLECTIONS OVER A BALANCE THAT I SHOULD NOT HAVE EVEN OWED. I WANT THIS REMOVED IMMEDIATELY. ACCOUNT # XXXX IF THIS IS NOT REMOVED AND WIPED OUT COMPLETELY I WILL BE SEEKING FURTHER ACTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect address on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are both XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-11-19
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-11-19
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: 1ST FINANCIAL, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the middle of applying for a loan during the underwriting stage, the Loan Officer XXXX XXXX  NMLSXXXX emailed me saying that he nor anyone in the office had time to work on my loan and good luck finding another financial institution. I have also asked for a copy of my credit report. At this time I have neither received my report nor has my request been acknowledged XXXX is employed as a loan officer with : 1st Financial XXXX XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Branch Manager :  XXXX XXXX I have also tried to contact the corporate headquarters and speak with the Director of Operations XXXX XXXX and left a message in the general VM box as there was never an opportunity to actually speak with someone each time I called. 
XXXX XXXX NMLS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Director of Operations : 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 2023-05-21
Company: LoanCare, LLC
State: GA
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 XXXX Account # XXXX, has violated, my rights. 

15 USC 1681 Section 604 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any 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 2023-06-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I sent dispute documents to all 3 bureaus in reference to fraudulent items that do not belong to me and should be removed on my credit reports it has been longer than 30 days and I have received no response from either of the bureaus.

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 2021-04-01
Company: Experian Information Solutions Inc.
State: MN
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:
Report multiple credit inquires that were not recognized and still remain on credit report.

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