BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made payments that were not applied to my Mortgage and loan modifications which in turn caused the me to be considered to have defaulted on the agreements I have requested that XXXX XXXX XXXX Such and XXXX and XXXX to show me where the payments went. Not XXXX of the Servicers showed where the payments went and they foreclosed and sold the house and are now trying to evict me. The only verification I have received was a print out of payments received by XXXX which show payments that were received but not applied to the mortgage principal. They claim that the balance was {$120000.00} as of XX/XX/2010. They show payments received after that date yet they did not come off the principal and they show I did not default on the modification. They also don't show an XXXX payment they received. XXXX claims they have repeatedly verified the debt yet they show NO PROOF OF WHERE THE PAYMENTS WERE APPLIED NONE. All they do is claim I have supplied no proof yet i repeatedly supply it. I HAVE ONCE AGAIN ATTACHED PROOF OF THE PAYMENTS RECEIVED WHERE IS PROOF THE MONEY WAS APPLIED TO MY MORTGAGE TO MY MODIFICATION!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just check my credit through experian 's website and i noticed two fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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 2022-08-26
Company: DISCOVER BANK
State: OH
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:
XXXX XXXX XXXX was hired for a deck remodel. There were two payments issued to XXXX XXXX XXXX  for the amount of {$2300.00} on XXXX and {$4300.00} on XXXX. The contract has been uploaded with the terms of the agree upon work. These two transactions were 50 % deposits to have the work completed by end of XX/XX/2021. 

The contracted work was not completed by XX/XX/2021 and we allowed an extension with XXXX XXXXXXXX XXXX for them to finish the deck by XXXX. The deck was not finished and our good will extension was abused by the contractor. On XXXX as the deck construction had not started, disputes were opened with Discover card as we had used the card to pay the deposit. 

Discover card did not reach out until XXXX when they reached out to state that the dispute had been closed and decided in the contractor 's favor. When asked what documentation had been uploaded by the contractor, only a sales receipt has been provided. We had uploaded a timeline, the contracts, pictures of the uncompleted work, and screenshot of the agreement with XXXX XXXX XXXX  who agreed to refund XXXX back to the card as they have not completed the work. 

XXXX XXXX XXXX did not refund the XXXX and we again reached out to Discover with an uploaded copy of the signed agreement on XXXX after giving XXXX XXXX XXXX an additional 4 weeks to refund the deposit. 

Despite photographic evidence, a screenshot of the signed refund agreement, and contracts outlined the agree to work, Discover has refused to process a refund and requires a signed letter from XXXX XXXX XXXX on their letterhead authorizing them to process the refund. This is an unrealistic and undue burden on the cardholder and represents an effort on Discover 's part to skirt the work and effort required to protect the cardholder to small claims court. 

Based on our experience, Discover 's dispute center does not protect the cardholder and we are unsure as to what benefit it can provide for a cardholder. We uploaded a picture of our unfished deck and Discover 's response was that a picture is not proof. When asked what they require for proof of unfinished labor, they were unable to provide an example and refused an offer to have an agent drive to our home and view the unfinished work for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Now I am providing the documentation/proof that XXXX  XXXX XXXX and the reporting companies are complicit in reporting grossly incorrect information on my credit report. I've disputed it, filed complaints but both XXXX  and the reporting agencies have refused to investigate and correct the problem. XXXX should have this exact documentation OR, the documentation they do have is incorrect and not only do they need to correct the information but also refund the payments they never accounted for and include interest and penalty amounts for all of the time spent and damages experienced ( declined loan, credit cards cancelled ... ) due to the entry and negative affect to my credit from this over the years. 

The bottom line is they state I was 30 days late with payment in XX/XX/2016 but I was not as the documentation clearly shows. In fact, I made payments to XXXX through XXXX of that year and only in XXXX did they refund the money. Also and in reality, at the time I was trying furiously to stop these payments and they would not stop them which I should also have all of that documented so this is not an oversight, this is XXXX intentionally trying to harm my credit and thus harm me personally. Not only XXXX but also the credit agencies as well as they were informed of this issue and they chose to side with XXXX 

The attached documentation is bank statements showing the automatic payments to XXXX XXXX XXXX and then only in XXXX did they stop and refund the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: DISCOVER BANK
State: MI
Product: Credit 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 ordered a pair of XXXX XXXX XXXX XXXX XXXX from XXXX back in XXXX for {$240.00}. They were marked as delivered and signed for but I wasn't home and never received them. Weeks later, they finally arrive but I received the wrong sizes. I ordered a size XXXX and received XXXX size XXXX and XXXX size XXXX. I reached out to XXXX and kept getting told I would be sent a return label. I have still not gotten XXXX and it's been XXXX weeks. I disputed the transaction with Discover with documentation showing how I was right but my dispute was denied and I was recharged {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX  XXXX and 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 2021-07-13
Company: EQUIFAX, 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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is I needed the most at the moment. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, BANK OF AMERICA add a hard inquiries on my credit reports per XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-08-26
Company: Southwest Credit Systems, L.P.
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:
IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO 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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX XXXX date opened XX/XX/2020 original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was outside the USA during the pandemic between XX/XX/XXXX and XX/XX/XXXX. 
Upon recieving my monthly statement from BoA I realized my checking account had been emptied despite me beeing away and the debit card always in my posession numerous spends mostly of the same amount XXXX had been withdrawn from my checking account. I have nothing to do with those nor do I know how or have I ever given away my information. I reported a claim with BoA but only got the answer they refused it as everything was technically done correct. So between XX/XX/XXXX and XXXX  XXXX when I blocked the card XXXX $ have been stolen from my account. First time this happend to me so first time Im ever in this situation. Do I need to report to the police? take legal measures? what can I do?

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See Attachments Below. I intend to dispute the following. Account : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX {$4900.00} / XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$400.00} / XX/XX/XXXX XXXX Dept Of Education XXXX XXXX  $ XXXX XX/XX/XXXX, Dept Of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of Education / XXXX  {$2000.00} / XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Inquiry XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX / XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL 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 2019-11-27
Company: Experian Information Solutions 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:
Hello I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court  that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX  XXXX and 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 2018-02-05
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wrote a {$200.00} check on my XXXX XXXX account for deposit in my XXXX XXXX XXXX   checking account. I received notice today from the XXXX XXXX XXXX that it was charging me {$20.00} because I had placed a stop payment on said check. This charge is excessive, unethical, and poor business practice. And unfair as there are excellent reasons for placing a stop on a check. I refuse to pay the said {$20.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: KS
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:
A few months ago, I disputed a collection account on my credit reports from XXXX. XXXX  ( collecting for XXXX XXXX XXXX ) on the XXXX XXXX XXXX  to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT XXXX XXXX XXXX, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with Experian ( who typically is the first to remove trade lines, which shows XXXX XXXX never requested deletion. On XX/XX/2022 I disputed the collection with Experian & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( XXXX XXXX XXXX ) and that the furnished told them the account was in fact reporting accurately. BOTH EXPERIAN XXXX XXXX. XXXX XXXX are both being negligent and in fact are disrupting my financial future by not doing right by what XXXX XXXX has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against Experian XXXX XXXX XXXX. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for XXXX XXXX changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.

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 2023-08-29
Company: AMERICAN EXPRESS COMPANY
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was one day late after thinking that I had scheduled a payment. I made the payment one day past the due date and was charged over $ XXXX in interest. I have filed a compliant with the company ( complaint number below ). 

Complaint number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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 information incorrect

Complaint:
I need you to investigate the following account Accounts : XXXX XXXX XXXX Account Open : XX/XX/2015 I request you provide me with proof of all alleged payments being late From the Following accounts stated Above. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.

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 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One is reporting I'm late on two credit cards on my credit report one month after the cards was closed. 
I've XXXX  for three months so due to that was unable to work for that time frame. 
In XXXX Capital One decided to closed two of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. 

I try to work with them and they are not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CITIBANK, N.A.
State: MI
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 bought two NEW keyboards from a company in XXXX, I received broken and missing item merchandise, merchant wanted for me to pay nearly {$80.00} to ship back to XXXX, so I began a dispute. Citibank without notice, months later, reversed my credit after ruling in my favor without any notification, notice, or reason! 

Why is Citibank ripping me off!??!

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