BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I paid my HELOC in full last year on XX/XX/XXXX and requested the account be closed as I no longer intended to use the account. The account was closed and I paid the reconveyance fee to have the lien removed from title. However, upon reviewing my annual tax documents for XXXX for my HELOC # XXXX I noticed I was double charged the {$220.00} reconveyance fee and it was listed as a " late charge payment ''. 

I've called multiple times beginning on XX/XX/XXXX, again on XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX to have this corrected, but they are refusing to refund my money and have not called me back. I have never had a late payment in my life and this is very upsetting to see no one is responding to this servicing error. It has now been over a year since they improperly collected these funds and I believe they should refund the money with interest.

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 2023-03-02
Company: Affirm Holdings, Inc
State: OH
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:
Affirm has yet to fix their issues when it comes to applying for hardships. Everything still times out. Were now in XXXX and theyre still having issues and have yet to rectify anything. 
On top of this I get an insane amount of phone calls everyday from Affirm about past due loans that they know I am facing a financial hardship and can not pay right now.

I was deceived into trying to apply for hardship by several employees and when I brought up the time out issues it took them over 2-3 weeks to tell me I dont qualify even though I was never able to get an application through.

And as of 6 weeks ago people were getting triple and quadruple charged on their accounts, thankfully I removed my banking information before this happened because this would have been absolutely detrimental to my family.

Ive had over 30 phone calls from spoofed numbers from Affirm in the last week or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax Information Services - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Equifax Information Services - Employer : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: ERC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
They just keep calling me every day over and over about a website that I dont have. Its been months and months they will not stop calling me. 
They call from various numbers in Colorado. Today was XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-05-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Currently have a current and paid up to date mortgage FIXED RATE MORTGAGE with Carrington Mortgage Services , LLC . Received an advertisement email dated XX/XX/2019 at XXXX Hours CDT stating " Our records show you are still carrying an adjustable-rate on your mortgage. As your mortgage servicer, we strongly encourage you to consider moving this to a fixed-rate, as it may greatly benefit you. '' I have NEVER consented to changes in my mortgage terms, and this mortgage company is stating their records indicate I have an Adjustable Rate Mortgage of which I never consented to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2022-02-25
Company: National Credit Systems,Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been reaching out to National Credit Systems , Inc . 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XXXX Email : XXXX Using the Toll-Free number the week of XX/XX/2022. On XX/XX/2022 I have attempting to call to potentially work an arrangement to pay this debt I supposedly owe to get it off my credit ( even thought XXXX shows it as included in my chapter XXXX XXXX ). 

I spoke with the operator and she states that only XXXX XXXX can help me and she is out to lunch and nobody else can assist me with paying. Furthermore, she was supposed to transfer me to her voicemail and the line just died. I called back and XXXX XXXX 's direct extension of " 132 '' same result, no answer just dead line. I then tried to reach here my the dial by name feature their IVR service has, again, no luck. 

So, it doesn't seem very fair. Rather abusive and deceptive to me that I can just call to get this figured out - yet nobody is available to assist me? Clearly in business hours- I am calling around XXXX - XXXX. 

So, apparently they must not want to collect this debt, therefore they should just dismiss this and remove it from my credit bureau as it shouldn't even show as I owe on it on my XXXX  and XXXX- like XXXX shows, it was included in chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: KINGS CREDIT SERVICES
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX # XXXX - has violated my rights XXXX XXXX XXXX XXXX XXXX  - has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I feel that my loan modification application has been decline and I feel discriminated because of my race and ethnicity and I also feel they are violating the Fair Housing Equal Opportunity Act Policy and Guidelines. 

I have summit my application and comply with all term and condition with all necessary document need to qualify more then 7 times. Lender and Services now setting a sale date on my property want lender and services to be investigate for mortgage discrimination and for violation of ( Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) ( RESPA ) Wells Fargo home loans and XXXX XXXX ( servicer )

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 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-03-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help. I tried to resolve this issue with TD Bank previously and did not receive any type of help. I am just asking what is fair. TD Bank is reporting a late payment on my credit report that occurred due to my mail being stolen and preventing me to receive any statement or late notice for me to honor. I am aware it is my responsibility to make sure the payment is delivered on time however, I did not receive my statement. I even reported this to the law enforcement agencies ( see attached proof ). 

I have always made my payments on time and will continue to do so. After realizing the payment date, I immediately made the payment, but by that time I was already marked late. 

Again, this was a situation that I could not control. Now I have a perfect record of on-time payments. I am requesting that TD bank removes the late payment from my record. By the time of the late, I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue and I did never mean to be late. 

I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair.This late payment is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA. 

Account information : TD Bank USA/Target Credit. Account # XXXX. Opened XX/XX/2018, limit {$500.00}, status : paid and closed. This is the last step that I am taking before taking this issue to the next level and let the XXXX XXXX county courthouse take a decision.They have committed multiple violations under the FCRA, such as FAILING TO INVESTIGATE ACCOUNT AND FAILING TO MARK ACCOUNT AS DISPUTED AFTER THEY RECEIVED MY DISPUTE NOTICE. This is causing me financial and mental issues because my financial life is being ruined, I have not been able to obtain a loan of over 1,000,000 dollars and just because the late that TD Bank is reporting, which was not my fault. 

Thanks to whomever reads this complaint. See attached : - Letter sent to TD Bank and proof of fax ( which they ignored ) - Bank statement showing funds - FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BANK OF AMERICA Credit usage XXXX XXXX Balance {$7900.00} Balance updated XX/XX/2023 Credit limit {$10000.00} This is again, not correct. This Bank Card refuses to update the correct balances monthly and XXXX will not allow me to dispute monthly. There website shows, that they wait until the Creditor provides the information. When you are applying for loans this will not work.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with XXXX  and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted 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 2023-02-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Supporting Documents of Identification with Supporting Evidence to Support my claims for correction neglected by Experian and XXXX in Badfaith as reckless neglect.

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 2019-07-31
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Want to freeze my credit reports - had no trouble with XXXX XXXX and XXXX - but EQUIFAX is IMPOSSIBLE. 
After input all the information in their website and force to create an account with them, and answer the identity questions, a box comes up and says " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team '' and gives a phone number of XXXX. 
Calling this number is futile : I have tried FIVE times. They put you in a recording loop, tell you that you can do it online ( which is untrue ), offer to call you back by pressing '1 ', and if they do in fact call back it's like a robocall that says " your client is on the line. press 1 to connect '' without any identification of who is calling - so I of course did not press '1 ' When calling the 888 #, after leaving you on hold in excess of 30 minutes, the recorded loop stops, and then goes to a fast busy signal. 
THIS COMPANY SHOULD BE BANNED FROM  COLLECTING/STORING PERSONAL INFORMATION unless a consumer OPTS-IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: COMMERCE BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I owed credit card Commerce Bank of XXXX XXXX, MO {$53000.00} rec 's a letter dtd XX/XX/XXXX received a payment option of {$3200.00} or {$120.00} for 6 months fromXXXX XXXX XXXX Recovery Department. Previously I was contacted I had set up arrangements for paying them through XXXXXXXX XXXX  XXXX, but had to drop them as it was a secured account. Received notice from XXXX XXXX XXXX that they have taken over the account early XX/XX/XXXX. I responded with a payment offer to a XXXX XXXX XX/XX/XXXX. I received an email from her stating she would contact Commerce to see if they would accept the offer. Sometime before the XXXX of XXXX we got a summons, but not date to report. I emailed XXXX about it. XX/XX/XXXX I sent an email asking when was I going to get a response. I never did get any response from her, I just sold my home in AZ and discovered that XXXX XXXX XXXX placed a lien on the property for {$11000.00} which I had to pay at closing. The title company first told me about the lien it was around {$8000.00} then two days later it turns to {$11000.00} This law firm collection agency never notified me of the lien or the date to report for court or I would have been present. I have read reviews of this law firm and it appears they like to bully people that can't afford a lawyer. I am a retired XXXX XXXX XXXX and I obey the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In reference to CFPB complain # XXXX and XXXX EXPERIAN consumer reporting agency is still causing me direct harm as a consumer under FDCPA. EXPERIAN is still reporting inaccurate information on my consumer reports that have now caused me extreme financial harm. On XXXX XXXX, XXXX  Experian furnished experience information to XXXX XXXX  which were derogatory and false and caused me to be denied my own credit. The exact same innacurate information that is currently being disputed and EXPERIAN keeps reporting the information as " updated and Verified '' but refuses to provide the requested information as to who verified the information, what they verified and how they verified it. This third party experience collector has now caused me financial harm due to inaccurate information that they had to actually delete after not being able to verify false info through other third parties like PACER, SAGESTREAM, ect. and not disclosing that these are their exclusive verification sources.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have repeatedly sent letters to TransUnion regarding not only the inaccuracies regarding a bankruptcy on my credit report, but I have also included legitimate facts on how they are breaking the law with the reporting in itself. I have been sending in letters every few months with the same results, of them telling me that : they will no longer investigate. The last letter I sent, dated, XXXX, XXXX, 2002, they responded with a letter, " applauding '' me on my " efforts '' - then went on to insinuate that I used a credit repair company. I DID NOT use a credit repair company to dispute all of the inaccuracies on anything that I have requested ( most of which have not been corrected ), but if I did, I have the right to do whatever I need to as a consumer to ensure that my credit report is ACCURATE!!! I do not need an applause, I need for TransUnion to follow the law and report accurate information concerning my report. I have also sent letters regarding the verification of my student loans, but have received similar responses. I am very aware that TransUnion, as well as others are an elaborate mechanism, with no standing authority, pursuant to 15USC 1681 ( a ) ( 2 ). So, what/who gives them to right to decide what they " think '' is fair? They are not only breaking the law by violating my privacy, they are also NOT accurately reporting said information in its certifiable requisite Metro 2 compliance format.

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