BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2019 home depot/cbna, placed a late payment on my credit report, as it turns out home depot changed my mailing address due to a notice from post office. I was not aware of the change because I was making my payments on line.

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 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Today I got a credit alert from XXXX and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe XXXX and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.

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 2020-09-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests via certified mail, the unverified items listed below still remain on my credit report in violation of Federal Law. You failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

Please remove account PROCOLLECT # XXXX I never had a contract with this debt collector for any debt.

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 2018-02-28
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
XXXX-Balance transf {$6600.00} XX/XX/XXXX. Trans fee {$200.00} XX/XX/XXXX int charge {$46.00} XXXX called AMEX..was a blance transf with no interest. They will take care of it. 
Rec letter dated XXXXthey are working on it. 
XX/XX/XXXX Int charge {$81.00} XXXX called and spoke to XXXX. She sees I called before. They are still working on it. 
XX/XX/XXXX Int charge {$82.00} XX/XX/XXXX called and spoke to XXXX. Put on hold. She spoke to supervisor and got authorization to process adjustment of {$200.00} Didnt see the adjustment so on XX/XX/XXXX called and spoke to XXXX.he told me they are working on it. I asked to speak to a supervisor. I talked to XXXX and again explained it should be an easy fix. My statement shows the {$6600.00} as a purchase not a balance transfer. She said management is aware of the problem. I asked to speak to management. She put me on hold and came back and said they werent available but could call me back. After a 27 minute call with no results, I said no thanks. 
XX/XX/XXXX Int charge {$73.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This bank is horrible Im loyal and they charged my account stop Oayment fees ans dont want to reimburse me when I had called they never told me they would charge me those fees and then they refuse to credit me back my money and the non sufficient funds fees as a courtesy

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 2023-07-11
Company: EQUIFAX, INC.
State: MI
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:
Im having a problem with the inquiries being on my credit report that needs to be removed. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Convergent Resources, Inc.
State: CA
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 sent XXXX LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even CONVERGENT OUTSOURCING SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET XXXX STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED

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 2019-08-20
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A new XXXX bought the practice of my old XXXX. They are claiming that I have a XXXX bill from the previous XXXX  from 2008.  We have double coverage XXXX insurance and everything was picked up by insurance.  We never received a bill from the previous XXXX for the debt they are claiming we owe.  They have also sent it to collections and Capital Accounts has reported it to XXXX.  This is past the statute of limitations to sue AND to report to XXXX.  It is my understanding that a debt (if there was one, which there isn't) older than 7 years cannot be reported to XXXX  or any of the others.  I feel we are being scammed and bullied into paying something we do not owe.  I have attempted to explain this to them two different times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage servicing has repeatedly attempted to charge me of unnecessary property insurance coverage. They are well aware that insurance is in place and this information has been provide to them repeatedly. Yesterday, XX/XX/2020, I was notified of the company 's intent to charge me {$1500.00} for hazard insurance retroactively, even though a policy is already in place which names them. 

Shellpoint mortgage servicing has failed to pay for property insurance or property taxes out of the impound accounts all though more than sufficient funds are available. 

A review of the XXXX XXXX XXXX reveals 210 complaints of a similar nature.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle from XXXX and at the point of purchase, I was asked to set up auto pay which I did. Fast forward 2 months and my first payment was due on XX/XX/XXXX. I received communication from Ally Auto stating " Thank you for scheduling your payment for XX/XX/XXXX '' I assumed that because I received that email, I am good to go and my first payment will be deducted from my account. 

Two weeks go by and I did not see a withdrawal from Ally Auto. I logged into their online portal and noticed the past due amount. I immediately made a payment for the month of XXXX and XXXX. I made that payment on XX/XX/XXXX. I assumed that will take care of the balance. The very next day, Ally threw in a {$21.00} late fee on the account. Even after their gross miscommunication regarding the auto pay, I made a payment at the XXXX day deadline required by them to avoid a late fee. I have been unjustly charged by Ally Auto and demand a refund for that late fee. 

I tried calling Ally and their first rep hung up because she could not hear me. I called back again. After 20 mins and transferred to their " supervisor '' I was hung up for the 2nd time. I explained in detail with professionalism that I should not have been charged this late fee. When I pointed out that I was still within the 15 day window, she hung up.

I tried calling back and it was a busy tone. I was unable to get passed automated system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: CA
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 BELIEVE I AM A VICTIM OF IDENTITY THEFT AND THERE ARE ACCOUNTS THAT DO NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ACCOUNTS ON MY REPORT DO NOT APPEAR TO BE MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I'm just wondering what's happening with accounts I disputed on XX/XX/2020. I still have not receive any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where i'm at, but i figured 40 days should be enough. I also read that if i dispute again while my first dispute is active it will just extend the investigation time. I figured i might as well file this complaint now instead of sending another dispute which will delay my investigations more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I work for XXXX and XXXX and then both companies run a background check on me with the agency called Checkr. The background Checkr run was inaccurate, it shows my license was not valid : however, when I go to check with Georgia Department of Motor Vehicle, Georgia DMV provides me proof of having a valid drivers License. I send the documents back to Checkr and then Checkr has not made the change in the report yet. I requested for Dispute and there is no change. I need to get back to work. I need to be able to work, that is stopping me from paying my bills. I have to pant car note and house. I need to pay my child Support. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

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 2020-05-19
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an automated debit scheduled with Discover credit card, on XXXX to take {$140.00} out of my checking account to pay my credit card bill. This is completely automated and has always taken processed correctly the day my payment is due, the XXXX. On XXXX I logged onto my Checking Account to see I got an return check fee of {$30.00} levied against my checking account. I contacted the bank and they told me Discover did not attempt to bill me till XXXX. My bank attempted to process this charge that occurred on XXXX, after a series of withdrawals and point-of-sale purchases that occurred from the XXXX to the XXXX, in order to force the bill to present against insufficient funds. There were sufficient funds on the XXXX, XXXX, XXXX, and XXXX. The bank deliberately processed a sale that occurred on the XXXX first before the credit card charge from the XXXX, in order to force the insufficient funds when they should have been blocked at point-of-sale. 

I contacted Discover customer service and spoke to XXXX, XXXX XXXX. She informed me that my payment was withdrawn from my checking account, and was cleared - I would not have any late payment penalty or fees and my bill from the XXXX was withdrawn from my bank and paid on time on the XXXX. I reported my bank for defrauding me with the return check fee, which is still pending resolution with the FDIC. 

On XXXX Discover filed a return charge of {$39.00} dollars and rebilled my checking account. 

On XXXX I logged into my online banking with Discover and return fee and rebill. This means that both my bank and Discover lied maliciously about the date of the transaction in order to defraud me with bogus fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citi bank is a most of 4 big banks in USA, But I didnt think that they have such a bad chat, long phone wait time and the worst part is online banking - access limit to everything for checking account customers. To dispute the transaction, I need to print a paper form and fill out a pen, then scan and send them. This is a very old form method. My problem is that after I sent them a form to dispute the amount of {$400.00}, I did not notice anything. In the chat they say call dispute team, but there the waiting time is long. 
Is it impossible to simply operate your online banking for access for all needs?

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 2022-08-11
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
REFERENCE NUMBER XXXX RESPONSE SENT BY WILMINGTON WILL NOT OPEN

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