BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: Andrews & Cox, P.C.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX, I contacted Bleeker Brodey & Andrews to discuss possible payment arrangements for a debt that I owe to XXXX XXXX. I spoke with XXXX XXXX and he begin to ask me questions about my place of employment and I told him that I did not have to provide that information and that I am attempting to resolve this debt. At that point, he became very aggressive, hostile and rude. He said that he would not be able to provide any payment arrangements with me unless I provide him with my place of employment and that he can contact my place of employment to verify and begin the process to garnish my wages. I attempted a second time to discuss a possible payment arrangement and he said that I would need to pay XXXX upfront before XXXX enter into a payment arrangement ... which by the way, he previously stated that he would only be able to provide payment arrangement if he knows my place of employment. I proceeded to informed him that I know my rights under the fair debt collection practices and that he will not intimidate, bully or disrespect me when I am attempting to resolve this matter. He told me to call him back when I have XXXX dollars and hung the phone up in my face. 
I called the firm back and asked to speak with a manager and the representative informed me that is name is XXXX something ( cant remember his last name ) he is on the line with a someone and that I can leave him a voicemail. I left him a message informing him that, XXXX XXXX, was rude and disrespectful and that he hung the phone up in my face. Also, informed the manager, that I am trying to resolve this matter and asked if he could give me a call back. As of now, I still have not heard from anyone in that office. This company uses intimidation tactics to scare people, they are rude and abrasive.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please view attachment below

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 2022-12-03
Company: National Credit Systems,Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My repayment amount had increased by {$300.00} appr. 2 months ago. When I called to find out why I was told that I requested consolidation for all of my loans, even ones that were not in repayment. I never submitted such an application. I was also informed that I was no longer enrolled in the public servant loan forgiveness program despite making substantial loan payments in this program. The company has done nothing to address this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent check # XXXX to pay my XX/XX/XXXX mortgage payment to M+T Bank for acct # XXXX. 
On XX/XX/XXXX I reviewed the M+T Bank website to find they had not processed my payment and were charging an additional {$48.00} late fee!! 
I sent a message in their website that day asking why they had not processed my payment and to rectify their error. As of XX/XX/XXXX I received no response! 
There have been several times they sent me a bill for 2 months payments plus late fee in error, followed by a corrected bill for the upcoming month without late fees. Therefore I do not trust their payment processing which prompted me to check the website on XX/XX/XXXX. I am always timely with payments and have a good credit rating. 
In fear of them damaging my credit rating, I repaid the XXXX payment plus the bogus late fee on line on XX/XX/XXXX when I saw they did not respond to me. I then had to pay a fee to my bank to cancel my check # XXXX that I sent to them on XX/XX/XXXX. 
Their ongoing issues appear to be a scam to force customers to give them bank account access for automatic withdrawals.

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 2020-07-13
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CFPB official, I am writing to dispute the promotion for my TD Beyond Checking account. 

On XX/XX/XXXX, I opened a TD Beyond checking account at one local branch ( XXXX XXXX XXXX, XXXX, MA XXXX ). The representative who helped me open the account explicitly told me that I will be eligible for a {$300.00} bonus if I can make direct deposit totaling {$2500.00} or more within 60 days of account opening. He did not mention anything about online application. However, I have not received the bonus after I met all the requirements. I contacted TD Bank since XX/XX/XXXX about this issue and was told that the bonus is only for online application, which is inconsistent with what I was told when opening the account. 

After arguing with TD Bank multiple times, I was told on XX/XX/XXXX that my inquiry was forwarded to their Promotional Department Team for further review. I received the response today saying that the only promotions for accounts opened in the store was the Direct Mailer offer at the time of my account opening. Upon additional review, their records reflected that my address did receive a mailer, but it was not addressed to the signer who opened the account. Thus, my account does not qualify for their bonus. However, I have never heard about the Direct Mailer offer by TD Bank. When I opened the account, I was clearly notified that I would receive the {$300.00} bonus as long as I meet the direct deposit requirement. 

I have no idea whether/how the representative who helped me open the account assigned promotional code. No matter what the problem was, I am the victim of the mistake and I should have been provided with the bonus that TD Bank promised me. I look forward to your reply and a resolution to my dispute. 

Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/20XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance XXXX : {$5800.00} XXXX XXXX XXXX XXXXXXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries : Company Inquiries 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXXXXXX 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 Inquiries : Company Inquiries 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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 {$5700.00}, {$960.00}, {$7300.00}, {$300.00} 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 ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BBVA FINANCIAL CORPORATION
State: NY
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 had a card ending XXXX with BBVA credit card. This year card was blocked, because of unauthorized transaction. However on their site this card still exists. last balance on it was {$120.00} so I sent it electronically and BBVA received it on XXXX But company did not apply those money to card ending XXXX, instead of it - they put it into card ending XXXX. 
XXXX I called them and spoke to person named XXXX, ( who barely can speak English ) and he assured me that that card ( ... XXXX ) closed and I have nothing to worry about. I paid my other card as well, but today XXXX I found on their site, that I still have UNPAID amount of {$120.00} and past due amount of {$10.00} on card ended XXXX. 
I called them again, ( XXXX XXXX ) and spoke to non-English speaking worker named XXXX XXXX who totally ignored my questions and was unable to clarify issues. 
Please help me and stop that company from stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: TN
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 the list below has violate my rights as a consumer right privacy. 

Account # XXXX 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 an 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 non-monetary relief
Consumer complaint received 2021-10-15
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
While reviewing my Experian credit report I see that there is collection charges from the same vendor and same collection agency six times. Just last year I received my social security card and work authorization card. I have no recollection of these reported collections. 

Vendor : XXXX XXXX XXXX XXXXXXXX Credit bureau : Experian XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IN XXXX Charges : {$320.00} XXXX {$250.00} XXXX {$320.00} Date : XX/XX/2021 {$350.00} Date : XX/XX/2021 {$220.00} Date : XX/XX/2021 {$270.00} Date : XX/XX/2021 Please advise on how I can have this removed from my credit report. Thank you, XXXX bless.

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 2022-12-03
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: MECHANICS BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a complaint for XXXX XXXX XXXX incorrectly reporting an account that was paid in full. XXXX replied to the CFPB complaint stating they have submitted the deletion request to the 3 major bureaus. However every time i dispute the inaccurate trade line, it its not being deleted.

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 2023-05-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I filed a dispute with XXXX and Equifax I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and XXXX Equifax left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have {$1000.00} in overdraft fees now XXXX is mine but they let {$31.00} in overdraft fees to go thru in one month didnt notify me at all my account is with wells fargo 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 2020-12-07
Company: Family First Funding LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The delay in meeting the contract timeline because they stated they had too many files and not enough staff.

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 2020-07-13
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the 6th time that I am writing your company about misinformation regarding this rental account. I am disputing the amount quoted. This is incorrect. At the time my eviction, all payments for every month had been made and there is no single month that the complex can prove that rent was NOT paid. The amount being quoted is excessive and an abuse of power and I am seeking legal action. I am demanding a full break down of the charges.totaling the amount you say I must pay. Why is it over {$4000.00}? I have photos on how I left the apartment showing that there were no stains, no paint marks, no broken parts or doors. There was one sofa, less than 50lbs left. Again, all verified by photos.

Company response to consumer: Closed with explanation