BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX Carrington Mortgage had promised not to report my mortgage being behind ( XXXX ) as a result of XXXX. However, now this is coming up with my commander that I was behind and my clearance has been suspended leaving me without work once again as a result of the mortgage company. Also, had to contact XXXX with the same information and they responded with they dont follow under XXXX guidelines nor the soldiers act. Im desperately looking for some assistance son this matter and cant afford an attorney. In the mean time, Im still without my position at the XXXX all as a result of my credit report being affected by XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: NY
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX ( I believe XX/XX/XXXX ) while paying my balance over the phone on my American Express card I was solicited for the American Express Premier Rewards card. I was told at the time that after meeting certain criteria I would get XXXX points worth, among other possibilities, a {$250.00} credit on my credit card account. I signed up. I later received the XX/XX/XXXX Membership Rewards Program Terms and Conditions. Nothing in the terms and conditions contradicted what I was originally told concerning the {$250.00} credit. After meeting the criteria and several calls to American Express, I was awarded the XXXX points. When I tried to apply the points to a credit I was told the credit would only be {$140.00}. That the ratio was XXXX points/dollar. I explained that the ratio of XXXX points/dollar was not what I was originally told and an investigation was opened, # XXXX. At the conclusion of the investigation I was basically told that the conversion rate was XXXX points/dollar. I explained again what I was originally told to no avail. I asked if they had pulled the recording from when I was first solicited the credit card and they said they had n't. I asked if I could get a copy of the recording and they said I have to get a subpoena. 
After signing up with American Express under a certain verbal contract, they then did not honor that contract. When I asked for an investigation, they did little. I would like American Express to honor what I was told when they were originally selling me their card and apply any credits to my account at the ration of XXXX points/dollar. This would include not only the initial XXXX points but also any additional points earned while using the card. The ration of XXXX points/dollar should apply to points earned through purchases because when I made purchases, part of my decision of which of my credit cards to use was based on the ration I was originally told by American Express. Had I known the ration was XXXX points/dollar I would not have used their card. Infact, I have stopped using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been disputing this matter with Capital one, I have sent numerous letters to settle this debt with them. Due to the pandemic, I have heard anything back from them now I received a letter from a third-party collection agency that brought the debt. I only going to deal with capital one on this matter with no third parties for I have tried much time to settle with capital one before it was sold to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, 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 have send several letters and filed several complaints regarding a few inquiries that are being reported on my credit report. Equifax has failed to validate this information and have ignored my request to validate this information by not responding to my letter other than for me to contact the creditor in which I did that as well and Equifax has failed to comply. I did not authorize the following credit inquiries that are made by the following companies : XXXX. XXXX XXXX XXXX. XXXX & XXXX XXXX. XXXX & XXXX XXXX. AT & XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: M&T BANK CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened my account this past spring. I put the mailing address of where I was temporarily staying at the time because that 's where I get my mail. 

A couple weeks go by and M & T places a freeze on my account when I first try to withdraw funds. I was leaving for California the next day and did n't have time to deal with it. 

I called and called and they would n't unfreeze my account unless I could prove that I lived at mailing address??? I sent them my SSN card, Driver 's license, and proof that I lived at the address on my license, but they would n't even let me so much as speak to the security team to explain my situation. 

Now I am stuck in California permanently, and without access to my funds. 

I ca n't : 1. Withdraw my money 2. Unfreeze my account because I do n't have proof of something that does n't exist 3. Close my account without the balance being {$0.00} 4. Correct my address 5. see a branch because I am in california .

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 2021-05-12
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:
XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXXXXXX XXXX in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX XXXX Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, XXXX XXXX, and Experian have failed to investigate.

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 2017-07-31
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans will not remove my PMI from my billing. I 've reached a little below 78 % LTV recently, never missed a payment for over 5 years in my home, paid ahead of schedule with my principcal, and they still say that XXXX XXXX requires a home evaluation ( at my expense! ) before they can cancel the PMI. This is outrageous that I have to waste more of my money. They say it will not be removed until XXXX 2012 ( almost another 4 years! ) unless I get a home appraisal. They say that the 78 % requirement is based on natural amortization of the loan. Additional principal payments to speed this up are not taken into consideration. This is just a barrier to make it more difficult for the home owner so that they can keep receiving the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Comerica
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I get {$1000.00} deposited on the XXXX of every month. 

XX/XX/2021 - deposit {$1000.00} XXXX- atm withdraw {$200.00} ( authorized ) XXXX- attempted to pay my water bill online and was declined. 
I called direct express to check balance. Which was approximately {$50.00} So I checked transactions. 

XX/XX/2021 - atm withdraw ( UNAUTHORIZED ) {$600.00} @ XXXX XXXX atm withdraw ( UNAUTHORIZED ) {$200.00} @ XXXX AFTER discovering the fraudulent transactions I talk to customer service and file a dispute on both transactions. 

Direct Express mailed me disputed forms ( received forms in mail XX/XX/2021 ) to complete and I was given a fax number ( XXXX ) to return completed paperwork. 
FAXED BACK TO THEM : XX/XX/2021 XXXX- Filed a police report with XXXX police department . 
CASE # XXXX I have tried to call EVERYDAY since XXXX and verify that they received my fax and keep getting transfered then on hold for 2-3 hrs. 
Then hung up on. 

XXXX- received a letter from Direct Express Stating that my disputes were denied and they were authorized. 

NO THEY ARE NOT AUTHORIZED. I CALLED THE BANK THE TRANSACTIONS TOOK PLACE AND WAS TOLD THEY COULD NOT ACCESS THE ATM CAMERA HISTORY??? 
PLEASE HELP! ALL BUT {$200.00} OF MY MONTHLY INCOME WAS TAKEN AND MY BILLS ARE GOING TO COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Midwest Recovery Systems
State: FL
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:
Midwest Recovery Systems is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX 's store credit card. I am having an issue with late fees. I called numerous times to try and get them to send me a bill. They assured me it would be coming in the mail. When it did eventually come they charged me a late fee. I call customer service and they said they would remove the charge from my account. They never removed the charge and assured me they would. At one point the late fee was the only outstanding charge in the account, I did n't pay it so they charged me another late fee on top of the first late fee. They have records of all the phone communication and wo n't reverse the second late fee despite it being due to the first late fee they said they would reverse. The long of the short of this situation is the company did n't send a bill and charged late fees when they should n't have. They also did n't honor their commitment to reverse the first late fee, which triggered the second late fee. Now they still want the late fee money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
fraudulent accounts reporting on my personal credit report, I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: PA
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:
Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. 
XXXX XXXX in XXXX of XXXX or XXXX I believe marked me deceased. I tried to pay my bill online it said closed. I called to pay and they wouldnt let me pay. They said they didnt know why I couldnt pay. This went on for a month. Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. They made no effort to fix it or give me suggestions on how to fix it. Finally after numerous calls and wasted time someone told me they marked me XXXX. I told them obviously this was untrue. They had no idea why I was marked as deceased. I asked her to fix it they told me they didnt know. They told me they had no idea why or how it happened or how to fix it. I watched my credit report get frozen from all bureaus. My credit report showed me is XXXX  for a period of time. I am a XXXX veteran and seeing myself marked as XXXX  was very traumatic. We feared my XXXX and mortgage would be frozen due to my social being marked as deceased. Everything I researched said I was XXXX. Eventually XXXX XXXX with no warning and no apology decided I was alive again. They sent my cards back, reopened the account. Before the account was marked deceased it had a balance of around {$800.00} and was current. When they reopened it, they added on interest, fees, and missed payments. NEW BALANCE SHOWS AS {$1600.00} with our entire balance from before as past due. They refused to remove these fees, interest, and past due payments unless we PAID a past due of {$600.00}. This was only past due and accumulated because of their error. I tried multiple supervisors. Most couldnt comprehend the situation or even tell me why. I am unable to purchase a home now as a result. Ive experienced an extreme amount of distress over this. I had to take off of work when it happened because they reported me XXXX. This is the worst display I have ever seen by a credit agency. I could have lost my current home, my VA XXXX that pays for my home, and had my bank accounts frozen. My other credit cards were frozen. My credit score is ruined. I can not buy a new home now as a result of their actions and 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 2021-05-12
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an alert from XXXX XXXX concerning a collections in the amount of {$4200.00} from NATLCRSYXXXX XXXX XXXX XXXX XXXX ( original creditor ). I do not know where this place is. I am born and have been raised in the State of MS almost my entire life. I have lived in XXXX, WI from the period of XXXX to XXXX until I return home to MS and have been living here ever since. Also in XXXX, I have discovered that someone tried to open up a credit on me at XXXX XXXX XXXX in the State of Texas and I put a freeze on my credit, but apparently this person was able to get an apartment in my name ( now how that possible I don't understand ). I have report this as an identity theft and would like this resolve as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Exeter Finance Corp.
State: NJ
Product: Credit reporting, credit repair services, 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 have wrote a certified to the furnisher EXETER ... .I have filed a CFPB complaint and on each occasion EXETER has fail to provide a sign application for credit thats sign by me giving consent to a credit inquiry. 

There should be no issues with providing such documentation if this inquiry is absolutely factual as the credit bureaus and EXETER persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: PA
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:
CFPB Complaint # XXXX Equifax simply closed the complaint without action - stating they will send the information to the furnisher of the information and follow up The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 XXXX two months ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX  ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). 
Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from XXXX. Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused negative impacts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I have yet to receive back valid information that was requested from the company. The FCRA give the company 30 days to respond, I have not gotten a response.

Company response to consumer: Closed with explanation