BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-16
Company: C&F MORTGAGE CORPORATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
C & F Mortgage Corporation and/or XXXX XXXX XXXX XXXX  XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) XXXX and XXXX as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximatelyXX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXXthe officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXXXX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX XXXX 's hereby certify by Champion Member, XXXX XXXX XXXX XXXX XXXX ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 )  The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX XXXX 's hereby declare that C & F Mortgage Corporation and XXXX XXXX XXXX XXXX XXXX XXXX Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( XXXX ) The XXXX XXXX XXXX XXXX XXXX 's were not provided access to copies of the consent order entered by the Court in the United States v. C  & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, XXXX and XXXX  and/or XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRUIST FINANCIAL CORPORATION
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 have reached out to this company and had the run arounds several times. They have been reporting A derogatory account under my name that does not belong to me. I wrote A letter requested proof of this debt. If I purchased A car they would have A signed contract matching my signature and valid debt validation. I have not done business with this company and as of today this is the only account reporting derogatory which speaks to me not owing debt. This is not my account and I did not sign any sort of agreement for A loan with this company. They have refused to respond to any of the letters I have mailed over the last few months to get this resolved.

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 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I modified my mortgage 6 years ago. After several failed attempts Bank of America decided to grant me the modification. We have gone through many hardships, I was excited about the approval and signed the paperwork, not knowing that a balloon payment of close to 300,00,00.00 was due even after all of the payments were done at the end of XXXX. The original balance was XXXX. So, they are receiving interest plus on the balloon payment plus what they are receiving monthly. That means the loan will be doubled, close to 1 million after its paid off!! Thats banking corruption! I thought its just the balance! How can banks get away with things like that? We are senior citizens!! Thats fraud! 
Bank of America is ripping people off! 
They need to dismiss that balloon 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 2018-04-25
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XX/XX/XXXX, I faxed, emailed, upload documentation on Experian 's website proving that XXXX XXXX was paid in full. XXXX XXXX has contacted Experian directly, and Experian still refuses to remove the incorrect information. XXXX  and XXXX have updated my file with the correct information from XXXX. Experian refuses to do so. I disputed this back in XX/XX/XXXX and they refused to correct my file. Today XX/XX/XXXX, I went online and did another dispute 19 minutes after I submitted, I receive an email from Experian stating that my dispute was completed and updated. I logged in and nothing was changed nor updated. The same incorrect information is showing. Here is the report number:XXXX. There is no way that they researched my dispute in 19 minutes. I have proof that this account is Paid In Full since XX/XX/XXXX. Experian is the only credit reporting agency that is not doing their job.

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 2019-02-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a United Explorer Mileage Plus card because I received a card in the mail. I applied and was denied because they said I opened too many credit cards. I have an exceptional credit rating ( XXXX ), have no credit card debt, and have nothing against my credit. There is no reason to be denied a credit card. I wanted this card because I will soon be traveling with United and wanted to get my bags checked for free, not to mention the other perks that come with traveling with the card. I have a XXXX card that allows me to already do this and I enjoy using the card when traveling. So, basically, they are insisting I use another airline where I can use my credit card for perks. I have never been denied a credit card. I am just amazed that they would turn me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a current Bank of American cc and am working to pay it off. I applied with bank of america for a zero percent cc for a balance transfer. What Bank of America did, was reduce my existing credit line, which then caused my balance owed compared to my credit line available to only have a difference of {$1000.00}. Which then impacts my credit score. They claim I agreed to this disclosure when I applied for the credit card, apparently that is in the same section as not allowing me to sue them either.
I had to call and request that they correct THEIR error and close the recently opened card and transfer back that credit line that they used for the " new '' card, back to my old card. I was required to give them my income-again, even though I provided that to them when I applied for the zero percent cc, not even 2 weeks prior. 

They need to review this practice and correct it-as it impacts consumers credit scores negatively-which then causes interest rates to increase. 

I can not wait to get this credit card paid off and never do business with Bank of America again!!! Their shady and barely ethical business practices need to be investigated & corrected.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I sent a letter to XXXX, XXXX, and Trans Union. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from XXXX  and Trans Union. The other four we should have received have not arrived yet.

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 2019-03-22
Company: CITIBANK, N.A.
State: TX
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 was charged by a company in XX/XX/XXXX that should have never had my card. They ran the card 3 times. I disputed what I thought was all 3 charges on XX/XX/XXXX and 2 of the 3 we're resolved and credited back XX/XX/XXXX. On XX/XX/XXXXI called in to check on the 3rd charge and was informed that it wasn't disputed so they put in the dispute in XX/XX/XXXX for a charge of {$180.00}. This charge has still not been resolved as of XX/XX/XXXX. I call in every month because I am getting charged interest on this dispute and I'm being told that someone is escalating my account and that they need 3 to 5 business days. I get transferred around and put on hold and still don't have my money back or the interest I have been charged. 60+ days on a dispute is horrible customer service.

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 2021-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
remove : fcra violaitons XXXX XXXX XXXX I XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX I XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX I XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX  Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: GOLDMAN SACHS BANK USA
State: FL
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 was charged interest fee of {$26.00} and I always pay my credit card in full and also it is set as autopay. 
I tried to reach them and they told they can waive the fee, and also they know that was not my fault, so that doesnt make any sense for me. 
They said it was not my fault but they dont wan na give my money back. 
Id like the refund since I always paid my credit card in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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'VE SUBMITTED MY PAPERWORK REGARDING THESE ACCOUNTS SEVERAL TIMES AND THEY KEPT COMING BACK SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I'M NOT SURE WHAT TO DO EXCEPT KEEP SENDING IT BACK.

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 2020-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and a collection from Portfolio Services appeared for {$1300.00}. By law and according to the FCRA, I should have received a notice in the mail for a debt validation and have 30 days to receive validation of the debt that they say I owe them. I have no signed contract with this collection agency, nor do they have anything bearing my signature. If this is not deleted, I will file a lawsuit with my local court. This should be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: PA
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Affirm Holdings, Inc
State: MD
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 would like to file a dispute for Affirm ( XXXX ) XXXX. I have not received my refund back from Affirm after canceling out an order placed on XXXX XXXX. My order was canceled on XX/XX/2021. After contacting Affirm they indicated that XXXX XXXX have to refund the money to them. I contacted XXXX XXXX XXXX ( XXXX ) XXXX on Friday XX/XX/2021, spoke with XXXX a supervisor, she email Affirm to let them know they did not charge they just pre authorized the credit card and it then dropped off. She indicated that they did not charge the card until the item is shipped in which in my case my item was on back order. I called Affirm back, spoke XXXX whom indicated they did not receive any communication from XXXX XXXX. I provided to Affirm the cancellation notice I received from XXXX XXXX, however, they would not honor that information. I have called several different time requesting a refund and no one will help me. Can someone please assist me with this issue as I do not know what to do at this point. Thank you for your assistance in this matter! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a prior complain to which the company did answer but didn't answer to the matter of the complaint. 
Shellpoint and I agree that the amount of {$1300.00} was taken out of my escrow account on XX/XX/XXXX. Shellpoint claims that " the last payment posted by XXXX XXXX XXXX on XX/XX/XXXX was the Shellpoint tax payment '' ... implying this " last payment '' was the {$1300.00} payment. This is incorrect. The tax collector did receive a payment on XX/XX/XXXX but the payment was only for {$680.00}. Shellpoint ONLY reflects one payment coming out of my escrow account on XX/XX/XXXX for {$1300.00}. These payments do not match on date or amount. If we assume the {$680.00} was taken from the {$1300.00} where did the difference of {$660.00} go? Shouldn't it go back to my escrow account? My escrow account doesn't reflect any deductions for {$680.00} or credits for {$660.00} ... only the {$1300.00} payment that still can not be verified as paid to the tax collector by Shellpoint. Issue has not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX-unable to request a fraud alert with TransUnion XX/XX/XXXX-attempted to place a security freeze on my TransUnion report but I can not. I tried to create an account to do so but it says that I already have an account. I have not created an account with TransUnion and can not get through to them to get the issue resolved. I am afraid that someone has used the XXXX information ( my information was compromised ) to create an account on TransUnion. The security question was name of pet and none of the answers that I have used for prior pets is accurate. This leads me to believe that an unauthorized account was created. I was able to place a freeze on the XXXX  and XXXX reports. Thank you for your assistance.

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 2019-03-22
Company: Google Compare Credit Cards Inc.
State: VA
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:
On XX/XX/XXXX I had pending charges from an place that appeared to say XXXX XXXX, I already knew it was fraud because no one has access to my account or card so I went up to my bank to tell them it was fraud, I called my fraud line, cancelled my card ordered a new one, the bank told me I had to wait until the charge fully went through to file a fraud report, sounded stupid but Ive had to do it before so I waited, on the XXXX the money fully went through, I returned the fraud paperwork to dispute the transaction that exact day, my bank XXXX XXXX XXXX XXXX ( XXXX-XXXX-XXXX ) was barely doing there job and they contacted google and tried to get the money refunded, mind you, I dont have the money for my bills in my account, so Im waiting for 10 days to hear back then they say they cant see it as a fraud which makes no sense because I live in Virginia, the charges came from XXXX, I went up to my bank and told them and they said they would try to look into, cane back to me the next day and said they couldnt and wouldnt refund my XXXX dollars and I dont have time for this my money is suppose to be insured by the fdic and ncua please help me out

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 2018-03-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with XXXX and Equifax, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Was not notified of investigation status or results

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 7TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHMENT!!!!!!! NOTHING IS BEING DONE I'M REPORTING THIS TO THE ATTORNEY GENERAL AS WELL MY LAWYER

Company response to consumer: Closed with explanation