BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an auto loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.

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 2020-07-15
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:
XXXX XXXX XXXX is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. XXXX XXXX XXXX is not reporting the correct loan amount on all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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:
There are a few medical collections that my insurance is supposed to pay They are responsible not me I've reached out to all of them but they get rude and demanding. 
I was also involved in the equifax breach!!!! 

XXXX XXXX XXXX XX/XX/1961

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is a new complaint that I put to Prosperity Bank citing a demand I received in the mail and verbal threats that I received that I would be charged a {$35.00} over draft fee for my account going under XXXX balance by slightly more than XXXX cents ... I was told by XXXX XXXX that due to this being an error on the part of Prosperity Bank since I had already opted out of over draft protection to avoid the problem of overdrawing and overdraft fees ... That the overage was an error on the part of Prosperity Bank not my error ... I ask that this also be looked into in terms of ways Prosperity Bank terrorized me treated me like trash by threatening me on numerous occasions with over draft fees putting great pressure on me for mistakes made by Prosperity Bank ... This put their own employee XXXX XXXX in a very terrible and awkward position ... To say that Prosperity Bank acts in an egregious manner towards their own bank account holders and their staff is an understatement ... Also the day I asked for help with faxing my pay stubs to social security I was told by staff including XXXX XXXX that Prosperity Bank does help with small business matters pertaining to funds that are in their bank ... Therefore my request to fax my pay stubs for funds from my job that at the time were deposited into Prosperity Bank falls under that category and is not personal business ... I see fit to set the record straight and to stand up for myself ... I ask that Prosperity Bank Cease and Desist blaming their own employees for their mistakes and to stop putting small individuals like myself in very awkward positions setting ones like me up to fail at every turn ... Instead of de escalating this situation ... Prosperity Bank sees fit to paint me in a bad light as if I am a terrorist and makes a very vile effort to lead me like a lamb to the slaughter in this war of words ... It is awful ... In light of Prosperity Bank 's history of aggression towards me via many threats to charge me with over draft fees including verbal abuse by citing their policies at times that were not necessary and in light of how this bank has chosen to try to pin their mistakes on XXXX and their own employees and in the process also trying to lead me a very small individual bank account holder to the XXXX ... That's enough Prosperity Bank needs to cut this out they are out of control ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
State: LA
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:
When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.

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 2020-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 placed an order to purchase the XXXX XXXX from the online store ( XXXX, one brand of XXXX  ), the date is XX/XX/XXXX. My BOA credit card was charge on XX/XX/XXXX, but I did not get any shipping information from seller. XX/XX/XXXX, I sent email to seller to inquire about the order status. I got a reply from seller on XX/XX/XXXX. They told me the items did no ship out yet, they also did not tell me when the items should be shipped out. I reply them to ask for cancel the order. Because they promised they should send the items within 7days ( not 7 busines days ) from they got order. From that time to now ( XX/XX/XXXX ), I never got any message from seller, they also did not cancel order or shipped out the items. According this status, I want to disput this transaction from my credit card. But when I login my BOA online bank and tried to dispute this transaction, the onlin bank did not allow me to do this process. The online bank appeared I must to call a phone no. XXXX. I did online disput before, I did not understand why BOA did not allow me to do this time. My oral XXXX is not good to call a customer service agent, I think BOA this behavior do bring me too difficult to use credit card. I also do not understand why BOA change the disput method. 

Thank you for your time and attention

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 2020-04-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
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 purchased my car insurance through my XXXX  XXXX XXXX Harris Credit Card. 

My car insurance gave me a refund through the credit card for nearly the full amount. I carried a credit balance on the card for months. 

on XXXX the XXXX of this year I noticed that BMO harris mastercard had posted a " Credit card Balance refund '' for {$340.00} which was the outstanding credit balance I had on the card. 

I called and inquired. I was told they mailed me a check for the amount. I verified they had the correct address. 

i never received the check. Never cashed it. I called back. They said they would mail me an affidavit to complete and return so they could re-issue the check. 

I never received any mail. Called back again. Verified address every time. I repeated this process 3 times, never received any letter. They are not sending me this document to reissue the check. 

I escalated to a VP i knew. He said he would help. I got an email from them today with an " attachment '' asking me to fill it out and return the document " notarized '' to them. The attachment was obviously incorrect and did not have any area for me to fill out. Almost as if they attached random documents they had on their computer. 

This process is ridiculous. This lender has stolen from me and refuses to give me my money back. I keep getting passed around and I refuse to go to a different local bank to notarize a document where I swear I haven't received or cashed their check. A document that they can't even provide. They should know if i had received and cashed their check. The only checking account I have is with this bank as well. I am stuck. They have stolen from me.

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 2019-06-24
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Company responded stating that the prepayment fee structure they imposed on me " is standard for a 5 year business loan ''. 
This statement is not true as I have the paperwork from when we took the first note with Associated bank. Initially we were promised a 5 year note on the first note back in XXXX. On that note it says that the pre-payment penalty is equal to 2 % of the outstanding principal amount. As a consumer we do not know their " practices ''. If I did not have the paper from XXXX I wold have not known that they are misleading me now on their response from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX account back in XXXX it is a closed account and paid in full. The company is paid in full on all credit reports. This company is closed and paid in full and the credit reports reflect this. I tried contacting XXXX XXXX and they are no longer in business and now this company Jefferson Capital Systems LLC shows up on my report. A collection company called Jefferson Capital Systems LLC put on the credit bureaus that we owe money to them. I have documents from credit bureaus that this account is paid in full. Please help as no one at the credit bureaus are even looking into my accounts. This company is trying to collect something that is not owed to them. This company has impacted my credit horribly and they should not be allowed to get away with it. I am sending the credit information showing this company is fraudulently reporting and refuses to remove it. The credit bureaus are not taking the time to investigate the companies actions. Below is the information they are reporting to all three credit agencies. I called the company never heard of me. FRAUD! 
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$6000.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements This is what it states on credit bureaus but it is fraud and does not meet FCRA requirements. It is actually violating FCRA in sections 608 and 611. Please investigate thoroughly as this company is violating FCRA and FDCPA very badly and falsely putting information on my credit reports under collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: NORTHWEST BANCSHARES INC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just received a letter from XXXX XXXX informing me that my loan had been purchased by XXXX from my current loan servicer ( a bank ) and that my existing loan terms, payments, and condition of the mortgage would not be affected and my servicer would remain the same. My servicer offers mortgage customers the opportunity to buy down their mortgage rate and the ability to go from a 30-year to a 15-year note for {$1500.00}. I have been tracking the rate for several months and wanted to lock in when it could be reduced by at least one percentage point from my existing rate. However, I was told by my servicer today that this option is no longer available to me now that XXXX XXXX purchased my loan, as this would be considered a modification. However, they do allow modifications if I were financially unable to make my payments, but they won't allow a modification related to an interest rate buy down. This is directly harmful to me, as I had no say in whether my loan would be purchased by XXXX, yet now I've lost a beneficial program as a result. My only option is to refinance the mortgage, which would cost significantly more ( $ XXXX $ XXXX XXXX than the program my servicer offers to their mortgage customers. I don't understand why a modification is allowed for a financial hardship but not for an opportunity to reduce my rate and loan term. This is patently unfair and harmful to me as a consumer and I would like to know what can be done about this.

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 2021-10-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have requested multiple times for multiple entries on all three reporting agencies to be corrected. Not only have they not, but they now refuse to allow me access to my own files. 

I sent all three a letter through the USPS with copies of my passport ; license and passport card. They still refuse. 

Please require all three of them to immediately send me paper reports, and do whatever has to be done to allow me online access. This was in my written request, which they have ignored,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding balance on my XXXX XXXX card and I called to get the total owed so I could pay and close the account. I was given the total amount and I transferred money and had the account closed. 
The following month I had statement that my debt was paid late and therefore had a late fee of {$35.00} owed. 
I called them back and said I had called and they gave me the total amount that I owed and paid off. I did not understand where a late fee was coming from. 
Since then they have been sending statements every month even though the account is closed and tagging an additional {$35.00} late fee. Now they say I owe them {$350.00}. 

I tried calling them again this morning to try and resolve this but they were adamant and the customer rep will not even let me speak with a supervisor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03
Company: The Cherrington Firm PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The XXXX XXXX- Law Firm has made several calls to my personal phone asking e to pay a debt that is no longer valid under the FDCPA statue of limitations for the State of Utah . 
Account # on their behalf is XXXX. 

This is for XXXX XXXXXXXX XXXX from XX/XX/XXXX/XX/XX/XXXX. 

I have advised them that I was in communication with counsel on this as was worried that they may be in breach of the FDCPA. 
I received another call today. 

How can I relay to them to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: GMA Investments, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, XX/XX/2019, XXXX from Summit Receivables contacted my work phone number. A co-worker who is now in that position answered the call. When XXXX asked for me, my co-worker explained that I am no longer in that department. XXXX said that she was from Summit Receivables and this was an attempt to collect a debt. She told her that the call was being recorded. My co-worker looked up my new phone number to transfer the call. I do not know who the original debtor is or what is owed. I am furious that I would be embarrassed at my place of employment by speaking to someone other than me.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-24
Company: Roycroft Management
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
First I want to point out that this complaint is not about the original creditor XXXX. This complaint is related to the third party collector, Central Mediation Services. I did default on the loan initially taken out for {$800.00} total with finance charges {$2000.00}. 

I received a call from XXXX, phone XXXX on XX/XX/2019. He left a rude message stating he did not know what I had gotten myself into and threatened to show up to my job and home to serve me papers which scared me. He threatened I would be sued for fraud, etc. He also left my full social security number, address and SC Drivers License number on my voicemail. He left a phone number to call back, XXXX. When I called this number the same day I was transferred to XXXX XXXX at Central Mediation Services. We got off on the wrong foot and I admit I was skeptical and upset. He initially hung up on me. I called back and ended up being pressured into making a payment arrangement for payments that I could not afford. XXXX XXXX and XXXX sounded like the same person to be honest. I was transferred to XXXX who took the payment arrangements and then hung up on me. I was promised paperwork in XXXX hours. I had to call Central Mediation Services back today XX/XX/2019 and request the paperwork. When I got the paperwork I first noticed it had the wrong account number for my XXXX  account. I called XXXX  and they said that my account had been sold to XXXX XXXX XXXX, XXXX. I did call and leave a message for XXXX XXXX XXXX. I also replied to the email that sent the paperwork over and asked how Central Mediation Services is related to XXXX XXXX XXXX. XXXX XXXX ( XXXX ) contacted me by phone from XXXX. He was nice at first answering my questions but ended up telling me my questions were XXXX, said that I should not have taken the loan out, that I did not want to payback the loan and was overall very unprofessional and pushy. He belittled me basically. I asked for a better payment and for the payments to start in XXXX and he stated you have had two years to make a payment and you haven't. He said he was going to recommend XXXX XXXX XXXX proceed with legal action. He also stated that he was cancelling the payment arrangement. I told him that I had left a message for XXXX XXXX XXXX. I was asking for a lower payment and the payments to start in XXXX. Honestly, I thought the entire thing was a scam, he never really explained how XXXX and XXXX are related. Every person I spoke affiliated with Central Mediation Services used scare tactics and threatened me with legal action.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company contacted me by mail stating that I owed a debt from XXXX in XX/XX/XXXX on XX/XX/XXXX. I have no knowledge of this debt & this debt isn't shown anywhere on my credit report. However back in XX/XX/XXXX- XX/XX/XXXX I did have XXXX XXXX that eventually ended up in collections but that was settled last year. I've sent letters to Pressler & Plessler LLC as well as the court. I've also asked them to send me valid proof of this debt in a letter via certified mail on XX/XX/XXXX & I haven't gotten a response from them until now. They sent me another letter recently stating wage garnishment but still haven't shown me the proof that I've requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
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: Information belongs to someone else

Complaint:
While I was incarcerated from XX/XX/XXXX to XX/XX/XXXX someone opened up a XXXX account in my name and ran up my credit and never paid the {$140.00} owed to XXXX XXXX XXXX. I tried disputing it on Equifax but they want a ten digit # I do not have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX  XXXX   XXXX {$600.00} XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation