BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
i was contacted by a XXXX acquaintance. this debt collector found correspondence between him and i on XXXX and they called his personal phone number to ask for information about me. he contacted me with concern. when i called this number back i told them they could not call people i barely know through social media to contact me. i was yelled at, and told " you WILL listen to me '' which upset me so badly i screamed at the woman on the phone and hung up on her. it is one thing to call family members. but to call people who barely know me is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-07-06
Company: Experian Information Solutions 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
XXXX  stated that they were able to verify a bankruptcy on my report dated XX/XX/XXXX from XXXX XXXX XXXX, Per XXXX my reports has been frozen as of XX/XX/XXXX and they have not shared any information on my credit file to XXXX, I also contacted bankruptcy court and they stated they do not share any information to any third party including credit bureaus. In my request for validation I have found that XXXX and Experian has falsified verification process information from a third part and not from the sources whom to which has confirmed not sharing any of my information with them and or any third party.

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 2020-11-10
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sent Mortgage payment to XXXX  XXXX on XX/XX/XXXX for XXXX Payment. 
No Contact given after repeated attempts to contact via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Response finally given after email on XX/XX/XXXX. 

Email instructed that loan was sold to Amerihome and I was given loan number and phone number to contact. After repeated FAILED attempts to access my account via Amerihome 's website portal, I attempted to contact Amerihome 's customer service to no avail. No agent was assigned as I was greeted with this statement only : " Thank you for contacting us. At the present time all of our CHAT agents are busy assisting others. We apologize for this inconvenience and ask that you try again later. We are open from XXXX to XXXX Eastern Time Monday through Friday. '' Phone call attempts also resulted in no progress. I am currently unable to make any payments on my mortgage, especially any early payments all the while my mortgage continues to accrue interest to which I have no control over. Essentially, I am being charged even more money which I could have avoided if both of these companies improved their customer communications, customer service, and website portals. I find this to be extremely aggravating and an unethical way to run businesses in a stressful industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Yamaha Motor Finance Corporation USA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Complaint ID XXXX On XX/XX/2020 I received an email saying ' The company has responded that it is still working on your issue. ' That has been almost 4 weeks ago. Now, it is time to pay my payment again, and I can't access my account. The following is from my account page online with Yamaha. 

HOMEPAYMENTSCONTACT USLOG OUT Account Home USER DETAILS Name XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX AL Zip XXXX Email XXXX CURRENT ACCOUNT No accounts available to view. 

WHY IS MY ACCOUNT NOT AVAILABLE TO VIEW?? 

When I click on the payment tab, the following is the message I received.. 
HOMEPAYMENTSCONTACT USLOG OUT Payment Error Unfortunately we are unable to access your accounts at this time. Please call customer service for assistance. 

WHAT IS GOING ON??? 

MY PAYMENTS HAVE TO BE MADE ON TIME. IT APPEARS YAMAHA DOES NOT CARE ABOUT CONSUMERS WHO ARE PAYING THEIR INCOME. YAMAHA HAS EXHIBITED NEGLIGENCE IN THEIR RESPONSIBILTY TO CONSUMERS, IN THE RESPECT OF FINANCE AND THE CONSUMER HAVING THE ABILITY TO MAKE TIMLEY PAYMENTS..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
My Bank of America credit card has been charged with fraudulent charges from XXXX XXXX, see charges and dates below : XX/XX/XXXX XXXX XXXX  {$110.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX  XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX  {$1500.00} XX/XX/XXXX XXXX XXXX {$1700.00} There were two additional charges inXX/XX/XXXX and XX/XX/XXXX which were 'caught early ' ; they no longer show up in my statements so I can not quote the exact amount and date.

Each time, I reported the fraud to BoA, the charge was reversed and I was sent a new card. I also called XXXX twice to report this fraud. I have never had an account with XXXX. Both companies have promised to properly investigate the fraud but neither company have been able to stop the fraudulent charge from happening each month.

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 2019-11-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a collection from XX/XX/XXXX on my credit report which has plummeted my credit score that I have worked for five years to rebuild. 
XXXX  makes it impossible to reach a human being, blocks me from signing into them, lies about having called me and refuses to remove a collection from almost five years ago that suddenly appeared on my credit report this year. A ) There are two people listed on the account that I have knowledge of, B ) They never billed me after sending me a FINAL BILL in early XX/XX/XXXX & C ) the account was supposed to have been switched to someone else! 
I have gone back & forth with XXXX for three weeks. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
State: OK
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:
My firm ceased operations on XX/XX/XXXX and we closed our Chase card on XX/XX/XXXX by letter. This card was paid off on XXXX XXXX In XXXX of XXXX we received correspondence from a debt collection company demanding payment of {$480.00} for charges made on our Chase card account. Prior to this letter I had received no statements from Chase since XX/XX/XXXX. We had closed our Post Office Box on XX/XX/XXXX and filed a change of address with the USPS. 

I contacted Chase and received copies of any statements after XX/XX/XXXX. On the statements I discovered that on XX/XX/XXXX a charge of {$450.00} was made to XXXX XXXX XXXX. This is the service we used for our accounting prior to ceasing operations. Additionally, there were late fees and interest charges of {$240.00} between XX/XX/XXXX and XX/XX/XXXX. In addition I found a credit from XXXX in the amount of {$260.00} on XX/XX/XXXX. 

I contacted Chase again and explained to them that 1 ) Our account should have been closed per our letter of XXXX XXXX and 2 ) We did not authorize XXXX to make their charge, in fact we had no use for their services due our ceasing of operations. 

Apparently Chase claims never to have received our letter closing our account and that they would look into it and make a determination. 

Yesterday, I received a letter dated XX/XX/XXXX from chase informing me that the balance they show is correct and that I should make a prompt payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: OPORTUN FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
XX/XX/2021 - My credit report shows on a Hard Inquiry from, Oportun/XXXX XXXX - I called to report that I began an application and did not complete nor submit the application and to please remove the Hard Inquiry. I was told they understood that I did not submit the application and was led to believe the inquiry would only take place if I had submitted the application. Tix Nbr XXXX was issued. 
XX/XX/2021 - I spoke with XXXX XXXX in the Application Department. He shared that at the beginning of the application there is a message to approve the inquiry as part of the application. - I explained that it is implied that the approval for the credit inquiry would be part of the submitted approval and no where does it state that the credit inquiry would be immediate and without submitting the actual application. - XXXX XXXX was not able to assist any further and I shared that I would reach out to the Consumer Financial Protection Bureau do to the misleading agreement in the beginning of the application. 
- I am asking that this hard inquiry be removed from my credit report and that the application wording be reviewed for being misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was transferred to Rushmore in XX/XX/XXXX and the escrow account maintenance resulted in a payment shock without advance notice, causing potential under billing and balloon payment due at maturity. 

Facts : Account XXXX was transferred from XXXX to Rushmore in XX/XX/XXXX Upon transfer Rushmore did not acquire evidence of borrower 's homeowner insurance ( HI ) and factored HI payment in escrow calculation On XX/XX/XXXX, borrower provided evidence for homeowner insurance with no gap Starting in XX/XX/XXXX, Rushmore lowered the total monthly payment due by {$15.00} Harm : Rushmore -under calculated principal and interest monthly due amount upon transfer -improperly made the assumption that homeowner insurance was missing -when borrower provided evidence, Rushmore did not adjust monthly principal and interest payment due but kept them at the under calculated amount -the result is borrower had a payment shock without advance notice and keep being undercharged month over month -the loan would have taken longer to be paid off and if borrower do not overpay there will be a balloon payment due at maturity date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/20, my husband and I applied for an increase to an existing HELOC with Fifth Third Bank, from XXXX to XXXX. On XX/XX/20, we received an email that we needed to provide verification of reserves of {$7000.00}. On XX/XX/20, we faxed bank statements showing the reserves. Even though we showed adequate reserves, we were then told that a statement of other resources, like an IRA were needed. I provided my Thrift Savings Plan statement showing almost {$150000.00} in retirement savings and was told they would review to see if it was acceptable. On XX/XX/20, we followed up to see if any additional info was needed and was basicaly told no. On XX/XX/20, we received the appraisal of our home in the mail, so it seemed everything was in order. Why would the bank pay to have an appraisal done if something was wrong, right? On XX/XX/20, I get a call from my banker telling me that we must now show {$17000.00} in reserves and that my TSP nor my husband 's 401K could be considered because neither of us are XXXX XXXX XXXX ( our retirement accounts total over $ XXXX combined ). We were not told this at any point prior to XX/XX/20. Because we did not have {$17000.00} in our bank accounts, they denied the loan. We were misled to believe that we had what we needed and this loan was going to happen. It took them over 2 months before reversing their decision to honor our loan application. Either the employees involved lacked proper training or we were racially discriminated against, maybe both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance LLC have been purposefully charging me extra fees in excess of {$2000.00} over the past XXXX  months in late fees after Informing them that I need to change my due date to XXXX of every month to help me pay my car payment onetime. 

I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Notified via mail by Seqium Asset Solutions , LLC , of their attempt to collect debt owed from our XXXX XXXX XXXX XXXX XXXX XXXX My wife, who is the alleged debtor, and I tried to resolve via phone. No avail. 

XXXX Sent certfied letter stating we disputed the debit in full due to contacting XXXX XXXX XXXX prior to the alleged charges. XXXX XXXX XXXX verified at the time our service was cancelled with no debt owed. Asked for letter stating no debt owed and that it will not be reported to the credit reporting agencies within 10 days. 

XXXX Contacted Seqium Asset Solutions, LLC , via phone and informed it may take another 30 days for them to remove and they will send us documentation via e-mail and USPS . Not satisfied as this violates FDCPA. We would like any reward sent to us and removal of the debt and any negative credit reporting by XXXX XXXX XXXX and Seqium Asset Solutions, LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: F.H. Cann & Associates, Inc.
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX, my salary was garnished for XXXX for defaulting on student loans. I called immediately and made arrangements to rehabilitate loan. Moreover, on XX/XX/XXXX, I was told I would in 7-10 business days I would receive a refund. As of XX/XX/XXXX, I have not received anything. I was also told I would be receiving documentation explaining my rights with 7-10 days, have not received. Moreover, there was an issues processing payment and I could not reach any anyone at collection agency by phone. My payroll XXXX even tried to reach out and couldn't get thru. I need to have payment set up so I don't receive another garnishment. How can I make payment if they wont accept my call. Can someone please help. I will lose my job and apartment if I am garnished next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: ACRE MORTGAGE
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im still waiting for Acre Mortgage to send over my appraisal. I requested this appraisal on XX/XX/XXXX but they still have not sent it. I almost loss my house because I missed my mortgage commitment and my settlement date was on XX/XX/XXXX. Why are they doing these things to me. I already sent them a written letter to send everything over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received an email that my XXXX credit card had been closed since " It's been over 2 years '' since using the card ; however, there was no prior notification notifying me the card would be closed if NOT used within a certain time frame, and the most recent activity I had was redeeming rewards from the credit card dropping my rewards to XXXX. 

It seems the reasoning is just a pacification and an false excuse to close card accounts after a couple months of most businesses being shut down due to COVID-19 in an effort to block businesses from using cards as they come out of COVID-19.

It is not that we were going to use the card. It just looks very suspicious. Plus, if we wanted an active card from this card company, we now have to reapply which will affect credit scores. It was just nice having a card on hand " just in case. '' It also helped show our credit worthiness. Closing a card for a card holder who is has proven to be a responsible card holder, just shows poorly on the company.

Company response to consumer: Closed with explanation