BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: Freedom Mortgage Company
State: CO
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:
In XXXX of 2021, I went into this companies web Site and made a regular monthly mortgage payment plus an additional principal payment as I had done the months before. In XXXX I went into their Web site and discovered that only the additional principal payment had been taken from my bank account. In that same month I received a refund check from the mortgage company. I was confused. I contacted the company. They removed the late charge, I made the regular payment amount which made the payment current and then a couple of days later I made the payment for the current month also. So both months were current as soon as the problem was discovered. 
We had not had this account for very long and the company had stated that our payment was going to be changing so I had not set up automatic payment at this time. When I realized what had happened I contacted the company right away, I was told I received an email. I had not. I had not even had the opportunity to balance my check book to see that the full amount had not been taken out of my bank account. I sent a dispute to the company and got a reply that all payments were current. I assumed they had adjusted my credit score. I was wrong. We just went to apply for a new loan and were told because of this one payment showing 30 days past due I was going to have to pay a large down payment and would be getting a larger than expected interest rate. 

I was shocked. I have never missed a mortgage payment. I could not beleive that because of some glitch in the payment window, that would allow me to make an added payment amount without making the regular payment, could even happen without some kind of a warning, would cost me this amount of grief. When we signed on this new VA loan we were told we could not make a partial payment, well, who would have thought their web site would even accept a {$45.00} payment, the web site took the payment and stuck it into a suspense file, no warning or anything. As I stated, had I received a warning, at that point, I would have been able to correct the problem, but their web site took a lower than minimum payment, apparently, or there was some kind of a glitch in the transmission of the payment.

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 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXXl XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} 5 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}

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 2023-12-05
Company: Stellantis Financial Services US Corp.
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
We are paying for a XXXX maintenance plan as a part of our lease. When we signed our lease, we were told that maintenance had to be performed at the dealership where we purchased the vehicle in order for it to be covered by the plan. Now the dealership has stated that we are free to have our vehicle serviced anywhere we choose. We have received very little information and also conflicting information about the XXXX maintenance plan from the dealership. Our interactions with the dealership have become an increasingly negative experience. We are unsure where turn.

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 2023-01-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX account was open with XXXX without my authorization due to fraud. Account opened on XX/XX/2022 and the limit of the account is {$500.00}. 



And another account was open with XXXX XXXX  without my authorization due to fraud. Account opened on XX/XX/2022 and the limit is {$1600.00}.

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 2021-02-01
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with LoanDepot.com, Inc. on XX/XX/2020. At closing I was required to put down my tax bill coming due in XX/XX/2020 + an additional 10 % to cover any increases. This amount came out to {$7500.00}. 

This amount was not used to pay taxes in XXXX, 2020 and insufficient escrow funds were used to pay taxes causing overdraft and negative balance. 

I found that the {$7500.00} amount was sent to the settlement agent, Closing XXXX XXXX XXXX, a subsidiary of LoanDepot. But since the tax bill was not due at the time, the settlement agent sent this amount in a check back to LoanDepot five days after closing on XX/XX/2020. I was able to confirm this with check details and images received from the settlement agent. 

The {$7500.00} has never been applied to my mortgage or my escrow account and has completely gone missing. After several attempts to correct this issue, LoanDepot has been unsuccessful at resolving the matter, repeatedly giving excuses like " it was prepaid to XXXX XXXX  XXXX '' which is not possible to do before a tax bill is issued by the town. 

I have copies of my signed closing disclosures and check images and details that I received from the settlement agent. 

Closing Disclosures - Signed ( see Page-2 under other costs ) Settlement Agent - Check ( {$7500.00} sent back to LoanDepot from the settlement agent )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive received numerous amounts of hard inquiries that was unauthorized by me from these companies and wish to have them removed as soon as possible. 

XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX NAVY FCU Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00}

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 2018-04-08
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I was notified by the Illinois Department XXXX XXXX XXXX that my personal information was stolen and XXXX gave me a year of credit monitoring. Fraud alerts were placed with the major reporting agencies. My credit reports were being monitored and no fraud accounts were opened or reported until I received credit report notifications from the 3 credit reporting agencies on XX/XX/XXXX regarding a new collections account from Security Credit Services for {$2300.00}. The original creditor is reported as XXXX XXXX. XXXX XXXX never ran a credit inquiry or reported any accounts on my credit reports until the collection account. XXXX has the collections account reporting last activity on XX/XX/XXXX. All 3 credit reporting agencies have the collections account reported on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and they had the wrong name, the wrong address, only the last XXXX digits of my SS number, incorrect phone number and email address. They also told me they would open a fraud case and have someone call me but I never received a call for them. I then filed a police report with the XXXX XXXX XXXX police on XX/XX/XXXX for identity theft. On XX/XX/XXXX I called Security Credit Services to get more information and made the mistake of giving my current address as of XX/XX/XXXX, recently moved. Then I received a letter in the mail from XXXX XXXX XXXX XXXX requesting information to send to Security Credit Services and stating that the account information was verified, although the name is incorrect. The letter also asked for more information including my signature, but I feel I am giving them too much correct information and after reading the reviews and complaints of Security Credit Services, I feel they may be creating a fake debt and again, nothing was ever reported, inquiry or account on my credit reports for XXXX XXXX. On XX/XX/XXXX I filed an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was issued a treasury refund check from the Federal Government for {$17000.00} on XX/XX/2023 with an initial hold until XX/XX/XXXX. I was patient regarding the initial hold they placed on a treasury check, but now I am frustrated as they extended it to XX/XX/XXXX. I went on tcvs.fiscal.treasury.gov ( which my wife, who works in XXXX XXXX XXXX XXXX, says is common practice ), and the check was marked as paid- which means it has cleared to Bank of America. Never in my life have I had a problem with treasury checks. They are usually made available the same or the next day - and the fact that the reps are unwilling to escalate this issue to help me is nonsensical. Is Bank of America struggling- are they next to collapse? This is genuinely concerning. Please Help!

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 2023-04-26
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:
Transunion has violated Title 15 U.S.Code 1681e and is liable under 15 U.S Code 1681n for not following reasonable procedures to assure maximum possible accuracy of the information concerning my credit report XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - ( No Date of First Delinquency & Inaccurate ) XXXX. XXXX XXXX- ( No Date of XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) - ( No Date of First Delinquency & Inaccurate )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I reached out to Venmo via email stating I didn't recognize a charge on my account. I reached out an hour later to state that I remembered making the purchase and could provide the receipt and ID verification. My account has now been frozen since then ( 9 days, 7 business days ). 

They have emailed once stating they would update me in 5 to 7 business days ( today ) but have not. I called and was told the people who handle freezes don't have phone numbers and to wait 7 to 10 business days. 

My rent is late. I've been out of my meds and food for days. The freeze was initiated by me. I want it taken off or for someone who can unfreeze it to speak on the phone or be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim # XXXX Amount : {$2700.00} On XX/XX/2018 I noticed activity on my account that I did not authorize. I contacted Bank of America immediately and reported all of the charges that I did not make and verified charges that I did make. I informed the fraud specialist I spoke with that I live in XXXX XXXX, Florida and did not visit XXXX XXXX XXXX and I dont know how or why there are numerous charges occurring in XXXX XXXX XXXX which I didnt authorize. The claims specialist started a claim in the amount of {$2700.00} with claim number of XXXX. I was advised that I would need to wait ten business days for an answer to my claim. On XX/XX/2018 I was advised that my claim has been denied. I called in and spoke to a claims supervisor by the name of XXXX who escalated my claim after she found discrepancies relating to research the analyst used to deny my claim. I was advised my claim is still open, but bank of America hasnt provided any temporary credit, nor documentation as to the current status of my claim. 

I personally reached out without Bank of America 's help to the numerous merchants where my card was fraudulently used and ascertained as much information as I could. I also reached out the XXXX and XXXX precincts of the NYPD in-regards to the fraud and was told by a detective XXXX that Bank of America will have to pursue it. 

The reason I am filing a claim with the CFPB is that Bank of America did not adhere to the ten-day investigation guidelines. My claim is still open and yet my account hasnt been temporarily credited and no other information has been given. I want my claim to be investigated and the Federal guidelines followed.

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 2021-02-01
Company: Verisk Analytics Inc
State: VA
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: Public record information inaccurate

Complaint:
I was in contact with XXXX  regarding a Public Record listed in my consumer file. XXXX  stated LCI was the source of information. After multiple calls I finally got the chance to speak with a XXXX XXXX on XX/XX/20. Regarding the public record which contains an Chapter XXXX Bankruptcy. I requested the source of information I was told they do not provide that information. I asked for any file they had on me I was told I needed to contact XXXX. 

LCI Is furnishing inaccurate and incomplete data on my behalf and refuse to update the information. The courts do no provide such data to any 3rd party agencies. Pacer system is not FCRA regulated thus the information that has been reported is illegal. Also pacer is a limited system which a company is not able to properly Identify any individual with only the last 4 digits being available. 
All furnishers of data has an obligation to report true and accurate information. and LCI has failed to do so. LCI did not take the proper steps to ensure the information they collected on my behalf was true and accurate. 
Per FCRA I never gave LCI in Writing nor Verbally consent to furnish nor collect information on my behalf. This also constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hunter Warfield added collection to my report. I contacted them last year in regards to this item since I had no knowledge of the debt. They failed to respond with validation, but removed the item from my report. On XX/XX/2017, I received a bill. I responded with a cease & desist letter and stated I had no contract with Hunter Warfield, and that any damage to my credit would result in complaints to the CFPB and Attorney General, as well as a possible lawsuit. The item was added back to my report WITHOUT notification as is required once an item has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On statement date XX/XX/2023 the interest rate was 22.65 % for the current charges subject to a balance of {$110.00} On statement date XX/XX/2023 the interest rate was raised to 22.90 % on the same charges subject to a balance of {$120.00}. Event though there weren't any additional charges the balance subjected to interest was raised. There was not any additional charges. A noticed was not given informing of the increase of the interest rate. 
Payment had been made and the actual owed balance went down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX CMRE Financial Services contacted me by letter about a medical bill. I wrote back that it was disputed because the amount was seriously in error, due to a long series of mistakes by the health insurance company. I wrote CMRE five times between XX/XX/XXXX and XXXX, giving each time the best information from the health insurance company, each time offering to negotiate a settlement based upon the best current information, but they have not answered any of those letters. 

My letter of XXXX gave an amount owed which seems to have corrected the large errors that had persisted, so that the account could finally be settled, and I informed CMRE that if they would send a letter stating that if the indicated amount was paid immediately, and they agree to delete any information they may have posted with the credit bureaus, I will immediately send payment.

I have gone to great lengths to get the correct amount resolved, including a grievance with the health insurance company and a complaint to the California State Department of Insurance, however CMRE has not responded.

In my letter to CMRE on XX/XX/XXXX, I said if they will send me the requested acknowledgment letter to close out the account the matter will be resolved, but they have not responded.

Company response to consumer: Closed with explanation