BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} XXXX XXXX dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.

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 2018-11-28
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There has been a collection that got posted on my credit reports from a frivolous called debit collectors ( Receivable Performance ), I never heard of this scam agency nor that I ever had any contracts with them or ever signed any documents or agreements with them or ever heard of it. I want this scam to be taken off my credit reports immediately. they posted their scam on XXXX credit bureau and XXXX  credit Bureau

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 2018-11-28
Company: Capital Credit and Collection Service, 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:
My wife went to the same XXXX  that I was using and had XXXX XXXX XXXX. They never fit right and XXXX XXXX nurse and my wife had words and could not resolve this issue. My wife refused to pay and they just reported it to credit bureaus. It was on her credit report and she disputed it and it was removed. It was then put on my report as collections {$3400.00}. My XXXX   work was always paid by me or insurance. XXXX XXXX  office was Sold to XXXX XXXX who refused to correct the issue afterwards.. the debt was transferred to my Account under my SS #. Filed a fraud report to police and after investigation they said it is a civil matter between us. XXXX XXXX has passed away and they still refuse to help. They said there done it was turned into collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my job, have never been late on a payment since XXXX, so I am not familiar with credit card practices. However, this year, I was in between jobs, and was told that when you fall behind for 2 months in payments, then it reviewed to determine whether they should close the card ( which affects credit score --  dramatically ). On XX/XX/XXXX Bank of America, the credit lender, called my parents left a voicemail saying to call as I was behind again and there were additional options to help me or assist. On XX/XX/XXXX, I was notified via email from Bank of America that the credit account was closed. No notice, no time to actually discuss with them. 

When I fell behind a few months ago, BOA sent e-mails about the credit card servicing, this time not one.  The only one was to notify me they did something to dramatically affect my credit without any notice. They changed their pattern of practice from the first time to this time within just a few months. Now without any opportunity to save my credit they closed the card without notifying me once they were making that determination or even evaluating it, but they could call and leave messages that your account is behind and we have options to help, which apparently isn't even true.

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 2018-11-28
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/20 at around XXXX my Cash app card started declining transactions and I have money in the account I emailed the cash support and nothing was resolved I have sent several emails and nothing is being done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: MORTGAGE CENTER, LC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Purchased home via conventional mortgage. The lender charged a {$200.00} survey fee, yet they never performed the survey. The lender refused to refund the fee for the survey that was never completed. 

See communication for the title company below : On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote XXXX XXXX The {$200.00} was returned by XXXX XXXX to your lender with the signed loan package on XX/XX/XXXX. As we did not require a location survey, we did not order one. The lender included this fee in the closing costs on your closing disclosure but when we disbursed the file, there was no survey invoice to be paid. The options are that a survey can still be done if the lender sends back the {$200.00}. Otherwise, your lender should refund the {$200.00} to you directly as we no longer have those funds. I apologize for the confusion on this but I will have our accounting folks let me know if the check has cleared our account. I will send a copy if so. Thanks WARNING FRAUDULENT FUNDING INSTRUCTIONS Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information found from an independent source, your realtor or the internet, to verify any funding instructions received. We are not responsible for any wires sent by you to an incorrect bank account. 

WE DO NOT ACCEPT OR REQUEST CHANGES TO WIRE INSTRUCTIONS VIA EMAIL OR FAX. Always call to verify. 



XXXX XXXX XXXX VP , Residential Operations XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX., XXXX XXXX XXXX , Ohio XXXX PH : XXXX Cell : XXXX Fax : XXXX Email Address XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for XXXX XXXX, XXXX, and Experian. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with XXXX XXXX, XXXX, and Experian to have these accounts removed from my report as the information is no longer valid. XXXX XXXX, XXXX, and Experian completed the dispute wXXXX XXXX XXXX by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by XXXX XXXX, XXXX, and Experian within this amount of time and this resolution is completely 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 explanation
Consumer complaint received 2020-11-14
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
After completion of the 3 month loss mitigation, paperwork was sent and signed ( and returned ) to shellpoint. This was back in XXXX. No matter how many times I call, email, ANYTHING, I can not get ahold of ANYONE to find out why my modification has not been placed into affect. I can not pay whatsoever, because they " don't accept partial payments '' and the only amount I'm allowed to pay is the ENTIRE PAST DUE BALANCE OF {$23000.00}. I NEED to start my payments so I can complete the 6 payment requirement of the VA so that I can change mortgage lenders due to needing to SELL this current home because we will be relocating to a different state. PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
On the week of XX/XX/XXXX, I received an alert from my XXXX credit monitoring service indicating that my Target credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called Target and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. 

What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. 

My credit is the only thing that will keep me working. Please help me to communicate with Target so they can remove this 30 days notice from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After losing my job due to Covid-19 in XXXX, I called my mortgage lender, Home Point Financial, to see what options I had to make my mortgage payments while unemployed. They offered me a 3 month forbearance which they were offering to anyone impacted by Covid-19.  This was to postpone payments for XXXX, XXXX and XXXX. I called in XXXX to resume payments, as I had been directed to do, and was told that I would have to extend it one more month and to call back after XX/XX/XXXX. So I called back after XX/XX/XXXX once again in order to resume payments. The man who took my call ended the forbearance and said that a loan officer would call in the following days to discuss which repayment option would be best for me. No one called. I called back on XX/XX/XXXX. A woman said that someone would call me to set up a payment plan. No one called. I called in the first week of XXXX. This time a woman said that my loan was in underwriting and that I would resume payments after signing paperwork. This was startling since I never heard about what my repayment plan was going to be of what my options were. This phone call went around and around with me explaining that I needed to talk to someone to discuss my plan and her telling me that I didnt. I asked to speak to a manager or someone who could explain the repayment options. She put me on hold for about 30 minutes. She came back on the call only to tell me that there was no one who could talk to me but shed have someone who could discuss the repayment plan call me. No one ever called. It is now the XXXX of XXXX. I have missed 4 payments3 were in forbearance but the last one was not. Any time Ive tried to pay theyve told me to wait for a call that never comes. When I go online, the instructions are to not make a payment until a plan is in place. Ive sent at least two emails asking for help and have gotten no response. I have since gotten automated emails telling me my forbearance is up and that I need to call to resume payment, which I have several times. I have also gotten a letter saying that reads as if my house will be foreclosed if I do not resume payments, which I have been trying to do since XXXX. I suspect that this company is using the Covid-19 crisis to take advantage of their customers and I do not want to be one of them. I am willing and able to pay my mortgage but this company will not allow me to make the payment. I dont know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 32 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company stated in their response to my CFPB complaint # XXXX on XX/XX/19 that they were permanently crediting my account with the {$51.00}. However, what they did was put the charge back onto my account -- Again ... The amount is listed in black, rather than in green with a negative sign in front of it like how a purchase adjustment is supposed to be. I called them several times about this but I ended up getting nowhere because I just kept getting the runaround and being put on hold which took 45 minutes to an hour each time. Eventually I had to hang up because it was taking way too much time -- Over something that was their fault, not mine. They're getting paid for their time and aggravation over the phone, not me. I feel as though they treat customers this way on purpose so that they don't get their issues resolved. I will be closing my account with Capital One after this experience. In the meantime, they need to credit my account like they told both you and me they were going to do. And they need to do it twice, because they've rebilled me for the {$51.00} twice. I am also getting socked with interest charges over this because i refuse to pay an amount that they told both me and you was going to be credited. And I sure as XXXX am not paying the amount twice either. These people are corrupt. Please do something about this ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: OH
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:
TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me XXXX XXXX afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.

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 2020-02-18
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: Their investigation did not fix an error on your report

Complaint:
I have asked for verification on several accounts that do not belong to me and they continue to come back " verified '' with absolutely no proof! If no actual evidence or original contract can be presented to me then the items MUST be deleted. 

account name : XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX  Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought a XXXX XXXX XXXX with XXXX milies ont it from XXXX XXXX, the car currently has XXXX   miles on it and is listed in the XXXX XXXX XXXX for only XXXX, but yet I'm paying {$400.00} a month for 4 years which will total out to be around XXXX after it's all said and done. The car is in terrible condition. I purchased it in XX/XX/2016, and the transmission failed within the same year and had to be rebuilt. I have had numerous problems since the transmission fix but XXXX claims that the car is fine. I have not been late on a payment in the entire two-year process, I have paid XXXX on the car and still owe another XXXX. I was a fresh XXXX years of age when I purchased the car so i feel like XXXX XXXX really took advantage of my ignorance and I feel that this is way unfair. I have tried to get the car refinance but other lender say that it is a lost cause smd csnt help me. Can someone please HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: FL
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By pu
blishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation