BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: REMAX
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 when we signed and notarized our closing documents, they had defined commission pay outs of {$9000.00} to RE/MAX professionals and {$12000.00} to XXXX XXXX. On XX/XX/2019 at XXXX I received final closing documents via email, which reflected a commissions change from the closing documents that I signed. The changes reflected {$11000.00} to RE/MAX professionals and {$13000.00} to XXXX XXXX. Changes were made to the commissions without my knowledge, signature, or any type of disclosure. The title company manager stated that she informed my realtor that all documents had been signed and notarized. However, changes were made to the documents regardless. To date, RE/MAX has stated that this was just a " lack of communication ''. I feel that I've been misrepresented by RE/MAX professionals and my realtor did not protect, disclose, or represent me properly throughout this process. To date, RE/MAX professionals has not admitted that they approved these changes without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i had a bad time in XXXX XXXX florida had a hurrican and storm and i was not able to pay so i wrote hsn card synchrony bank a good will latter tellin them why i was late and they send me a latter back sayin they will remove it in XXXX but never did and my credit is still hurting frm this also drop my limit frm XXXX to XXXX to closeing my acct after i been a good loyal cumsmer for 6 year dats how they do me badbad

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 2021-06-12
Company: CITIBANK, N.A.
State: IN
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:
Charges were made to my credit card account ending in XXXX that were not incurred by me. 
I have tried phone calls and a personal letter to the Citibank Security Center with no results. It has now been more than 30 days. It is obvious this charge : XXXX XXXX XXXX CA {$90.00} on XX/XX/2021 should have been to an account ending in XXXX. ( Their own document ). 

It is also obvious this charge : ( charged to my account ) XXXX XXXX XXXX CA {$49.00} on XX/XX/2021 should also be made to the same account ending in XXXX. 

The two charges were made the same day, XX/XX/XXXX by the same person. 
How did my card information get involved? I am an Indiana resident and my card has never left my wallet.

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 2017-12-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I need to bring to attention a problem with a credit card at Chase. They offered a interest free promotional period that ended on XX/XX/XXXX. Their tactic was deceptive and I was mis informed about what amount exactly was due. They have 2 amounts due on the statement.

The interest free promotional period ended on XX/XX/XXXX however my billing cycle ended on XX/XX/XXXX. I even CALLED into Chase to verify exactly how much I needed to pay to avoid an interest fee and they said that if I paid off the balance I would be fine.

My balance owed by XX/XX/XXXX was XXXX. I paid XXXX on XX/XX/XXXX. I called Chase and spoke to XXXX XXXX to remove the finance charge because no where on the statements did it say that I had to pay anything other than XXXX. 

There is a tiny tiny amount on my statement at the VERY END and bottom in very tiny print that says I owe a DIFFERENT amount by XX/XX/XXXX. This practice of having 2 amounts that are due at different times in different locations on the statement in small print at the bottom is deceptive. I even called to verify because it was so confusing. This information should have been at the top of the statement in bold print but the reason why it is n't is because it is conflicting and says two different amounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection Agency XXXX. XXXX, XXXX failed to provide proper validation documents for XXXX cell phone account for the amount of {$1800.00} and it was removed from my credit report XXXX/XXXX XXXX. In XXXX XXXX a new collection agency Diversified has reinserted the same cell phone debt of {$1800.00} in XXXX and I never received ANY notification at all pertaining to this. It just appeared on my reports in XXXX stating that it began in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit burues, sending multiple letters and got no where.

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 2022-04-08
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit burues, sending multiple letters and got no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fist thing I am on fixed income my payment is late every month I have tried to get them to change my payment date they will not they said they change it once but it was a bother company and they change it years ago when I got hurt on job. Now they are always saying I missed a payment when in fact I did not I call in it is always I different date. And then I needed help with my taxes so I got escrow that and hazarded ins that cost XXXX I made a deal with them I would pay XXXX more a month and I have been doing this for two half years and now they are telling me I owe them XXXX and I have to start paying more XXXX and I have been paying XXXX all that money has disappeared they will not help you get different woman every time that looks at my loan and they can not figure it out I messed one pay and I called them next three payment I pay XXXX three times to catch up and I did now I am getting letter they are going to for close on me and I am not missed a payment they bought my note and my life has been living XXXX call none stop home phone and my cell phone Bayview loan servicing XXXX. XXXX XXXX XXXX Florida escrow Department. Bayview servicing XXXX. XXXX XXXX XXXX tx XXXX phone XXXX XXXX XXXX they will not help they say they will and then I always get litter forclose on me I have tried everything XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
sent in final payment to Mr Cooper mortgage company. I had about XXXX dollars still to pay on my loan. I sent in XXXX which was my normal amount and figured they would refund the extra money. The check cleared on XX/XX/XXXX. I finally contacted them on XXXX XXXX after nearly 4 days of trying to get through. At that time explain to them what I was after l told d OK they would br back in touch. I waited for a week then called back and the lady I spoke to told me to send in a disagreement form to an email address. I sent the form and all the information that I had and that was requested. I received a letter from them dated XX/XX/2022 telling mt they would be back to me in 15 days with the information. 15 days goes by with no calls or letters. I call the number they offered me to use and explained the issue again and she told me she would check on it and call me back. Never happened so I tried again and got the same lip from them. 
My loan waws sold to this company with 1 payment left on it, the first company was XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX  and Transunion are reporting incorrectly that I am ( 60 )  days late on the XXXX/XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
On or about XX/XX/19 I received a notice from myfico.com that my Equifax score had dropped 20 pts. the association given was a hard inquiry by XXXX. I do not nor have I have applied for credit with XXXX. I immediately contacted Equifax to file a dispute. Some time later I contacted Equifax by phone after being unable to access my credit file through their site. I was told that XXXX upheld the hard inquiry and that I would have to contact XXXX to have it removed. I did so and XXXX repeatedly gave me the run around stating I had to know how I applied with XXXX to have it removed. Even though I repeatedly told them I had made no inquiry. I was also told by XXXX that I needed to give them all of my addresses and my social security number so they could determine which XXXX location ran my credit. I finally refused and told them they needed to remove the inquiry as I didn't authorize it. I was eventually sent an email from XXXX XXXX stating the inquiry would be removed. However, Equifax continues to state the inquiry was upheld by XXXX and my credit score is still the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: NY
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:
Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance

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 2022-04-08
Company: EQUIFAX, INC.
State: NY
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:
Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NY
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from Equifax, XXXX, and XXXX. Also, XXXX  is taking a long time on their Data Hacking Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
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 accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNTS : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXL XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 received a copy of my credit report were a collection account appears with a outstanding balance the problem is the item doesnt have a outstanding balance. I have disputed the item several times and yet the credit bureaus still report it and havent provided a response to my dispute it has been over 45 days since last dispute. The collection company is XXXX in and out documentations are attached I previously advised that the account was opened as a result of stolen ID and although I paid the account to remove from file it should have never been placed on credit credit report police report attached

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 2021-06-12
Company: SERVICEMAC, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from service Mac that they were renewing a insurance policy they bought on my behalf with money for my mortgage account for a estimated amount of XXXX. After speaking with their rep XXXX XXXX no I'm not spelling that wrong I was informed that I don't know my own address that was changed back in XXXX before they purchased my mortgage in XXXX. Apparently I was responsible to inform them that they hadn't done their dew diligence before signing a contract that the property they purchased actually existed. So even after writing Two checks for the property taxes to the correct address, Two checks for insurance to the proper address Still purchased insurance on my behalf because they have the wrong address listed on the loan. Also they send me an invoice every month to the correct address. Now on XX/XX/XXXX they in fact charged my mortgage account on witch I pay interest XXXX for the fraudulent insurance. After filing complaints with the XXXX and CFPB they finally relented to their mistake but only refunded me the XXXX and put the money into my escrow account, they stole the money from the mortgage account witch charges interest and refunded it to a account meant for property tax and insurance. This little over sight is still costing me money for their incompetence. This is their idea of servicing their clients.

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 2021-06-12
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Discover Card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: BARCLAYS BANK DELAWARE
State: NY
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:
My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my Barclays Frontier credit card. I attempted to reach Barclays by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on XX/XX/2019.

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 2021-06-12
Company: Absolute Resolutions Corp.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi I paid my debt in 2020 to my recollection and I was told that it would be marked as paid and removed from my report on their behalf. However, as I look at my XXXX XXXX XXXX accounts, it still shows up along with either open, unknown or in collections. I would like them to be held accountable for this action.

Company response to consumer: Closed with explanation