BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have repeatedly disputed a bill with I.C Systems who is a 3rd party debt collection company for the XXXX XXXX XXXX. In my disputes I have requested that they investigate the account and the amount, because I believe that the services were illegally used by the landlord or new tenants long after I moved from the address this account is related to. I.C. Systems is erroneously reporting that my balance is {$5100.00}. The last date in which I disputed this account was XX/XX/2020.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: CT
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:
My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted XXXX  XXXX XXXX and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: CT
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:
My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted XXXX  XXXX XXXX and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, after receiving a BMO Harris Bank promotion advertisement, I went to the BMO Harris Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, and opened a business checking account. I met all requirements ( see the promotion terms attached ) but did not receive the {$500.00} checking bonus as advertised. Since XX/XX/XXXX, I called several times XXXX XXXX, the Banker who helped me open the business checking account, and left voicemails but there was no response at all. Then I called the BMO Harris Bank customer service number several times to report this problem. Although the customer service representatives said they would escalate this and gave me an update, they never contacted me afterward. On XX/XX/XXXX, I called the BMO Harris Bank customer service number again and later got connected with XXXX XXXX who was the Branch Manager. On the same day, I forwarded the promotion email I received on XX/XX/XXXX to XXXX and he promised to resolve this problem. After that, I did not receive any response. Months later, I called XXXX to follow up and left voicemails. Still nothing. As of today ( XX/XX/XXXX ), I still did not receive the {$500.00} checking bonus as promised and never received any response from BMO Harris Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent XXXX XXXX XXXX {$2500.00} to assist me with maintaining my home and instead, I lost it and XXXX XXXX XXXX took my money. Nobody ever sent me anything even though it was a giant scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 bought a sectional from ashley furniture. I paid XXXX cash down. When I got the bill my last name was not accurate. They had input XXXX ( the city in which I live ) not XXXX  my actuallast name. When I called  about it I learned the ssn on the account was wrong as well. The company is saying that they will change my ssn over the phone, taking my word for it. But the name change needs to be submitted via letter. I find it very odd that they will change the social which is the most important piece of information here based off of my word however my name change requires proof. I told them over the phone that if they are going to make me jump through hoops to change my name that they need to compensate me for my time since it was not my error. Isn't this considered credit Fraud?

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 2017-12-10
Company: Experian Information Solutions Inc.
State: TN
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 a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but Experian and XXXX refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my file?

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted XXXX  XXXX XXXX and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$340.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$150.00} -This is not my account.

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 2020-09-03
Company: TD BANK US HOLDING COMPANY
State: CT
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:
My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted Target Card Services and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My initial complaint with Transunion ( XXXX ) was NOT resolved by them. They still have NOT, per my 4 letters I mailed sent me ANY signed contracts or verification of these accounts I requested contracts for. Legally, if they can not provide that to me then they need to be removed from my credit reports. They are not my accounts which is why they have not provided proper SIGNED documentation or contracts from me. They're breaking the law. All they provided was a letter stating that my accounts have been verified. HOW THOUGH? I requested proof 4 times. I sent 4 notarized letters to them and they are still twiddling their thumbs. Legally they had 30 days to update my report and they still have not. I am looking to sue them if this continues and these accounts are not removed.

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 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, 2017 I applied for a home loan from Bank of America. I provided all of the documents requested, in a timely manner. I was assured that, based upon my credit score and income, I would qualify. On or about XXXX XXXX, 2017 I was informed that I had 2, less than 30 day late payments, on a previous house, over 7 years ago. The credit companies and the bank that held the mortgage said that they could not confirm the late payments, as too much time had passed and they did n't keep records that far back. Again, I was assured that the loan would approve. It was sent to an underwriter who questioned two of the late payments, even though they did n't appear on my first credit pull and could n't be verified. The underwriter then refused to approve the loan and sent it up to the next level underwriter, who reviewed the loan documents and was set to approve. He left on a family emergency this last Friday XX/XX/XXXX and upon his return, he reviewed my file and was set to approve it. His supervisor, for reasons that can not be explained, refused to let him sign off. It was n't declined and has n't been declined, as of now I still have no answer. Bank of America has practiced discriminatory & predatory lending practices throughout this entire process. I have a house in escrow and in 5 weeks have not been able to get an approval or refusal. They have left me in a position to now try and extend my escrow if the seller will approve, If not I will not be able to close on time and lose the house. They also asked me what I wanted to do as far continuing to escalate the loan for approval or just forfeit the loan and go somewhere else after 5 weeks of working with them. How can an institution like Bank Of American be allowed to string a customer along like this and find it acceptable to continue conducting business in this manner.

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 2021-08-07
Company: DISCOVER BANK
State: CO
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:
It is my understanding that the Card Act requires that Discover process my payment the same day. This did not happen on several occasions leading to two additional {$20.00} charges to my account. Further more there was a {$10.00} fee/charge, by discover, that no one could explain or determine what it was but I was charged nonetheless. 

After about 30 days the debacle continued, once my {$550.00} payment was made, on my secured discover card, Discover canceled my account and told me I would not have access to my {$500.00} for upwards of 70+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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:
There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX XXXX  Address : XXXX XXXX XXXX ( XXXX XXXX  Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX ( Equifax ) I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( XXXX & Equifax ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( XXXX, Equifax, XXXX ) The following account is the result of Identity Theft : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( EQUIFAX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX & Equifax ) XXXX/XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( XXXX & Equifax ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( EQUIFAX ) Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$2800.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$130.00} XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( XXXX ) XXXX XXXX - XXXX Bank - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries : CreditPlus ( 6 times ) Equifax ( 2 Times ) ; XXXX ( 2 Times ) ; XXXX ( 2 Times ) XXXX/XXXX ( EQUIFAX ) XXXX XXXX ( XXXX ) XXXX/XXXX ( 2 TIMES -XXXX ) XXXX XXXX ( XXXX ) XXXX/XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
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 contacted Equifax regarding a collection listed on my credit report with XXXX XXXX XXXX. I requested Equifax to validate this debt and I have asked for their method of validation and they have not they just send me credit reports that display they have verified this debt and ignore all other requests. 

When I reached out to the collection agency they don't even have proof I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Illegal charge placed on card-called and letters sent. Bank continues to charge fees and varied amounts on the same bill. Wait times on phone " >50 min '' per recordings plus multiple transfers. Fees excessive- $ 35=20 % of one of the amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had many mortgage and lending companies service our mortgage. In XX/XX/XXXX we had sent a XXXX dollar money gram to XXXX XXXX to catch up on our past due charges in which they said we owed. When we got the next bill it was asking for more money over {$1000.00}. So we filed for Hardest Hit Program.They gave to XXXX XXXX XXXX dollars to help us, But when we went to pay the first payment in XX/XX/XXXX when the program was over, we were amazed to see that only XXXX dollars was applied. So when we asked the manager where the money had gone they said it was hidden fees and could not give us answers. We stopped paying and let our lawyer take care of the phone calls and letters. Then the mortgage was sold to XXXX and now is with Shellpoint mortgaging service. I wrote a letter to Shell point to describe all the history of what XXXX XXXX did but no response. So now XX/XX/XXXX we want to move. We asked for payoff of our home and this is the amount, XXXX payoff which is fees added on to the mortgage from {$85000.00}. WOW The mortgage should have been XXXX or less after the program helped but now they have tacked on another amount of ALOT more. This is not right for us and many others in this situation. I wrote a letter to the program and they directed me to you. Please help us with this.We want to sell but need the price down to XXXX or send us the title to our home in which we had a 15 year and paid double toward the principle at times. We have lived here for 18 years. Brand new on a lot we purchased years before. We were never late until hard times in which we gave them the full amount in XX/XX/XXXX of {$5000.00}, They tried to foreclose us XX/XX/XXXX but that is when we went for help and now they either want the {$110000.00} or saying we are in preforclosure which we just found out at our bank when the credit report was run. We appreciate all the help you give to us, My daughter has just left for the XXXX XXXX XXXX XXXX XXXX XXXX and I appreciate the video of the young man in the XXXX XXXX that helps people in this site. God Bless America. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation