BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a simple Mortgage loan, principal and interest only.The issue I have has been going on for years with Compass Bank. Every month when I take my mortgage payment into the bank, they process it incorrectly. I always pay extra principal as I indicate on the coupon ( coupon filled out correctly ). The following month I will receive that months coupon, and the amount due is lower the amount I paid extra the previous month. Sometimes they just keep adding up the extra principal amount and never apply it and then will deduct it later from a payment. One month I had no payment ( I paid anyway ). They never apply my extra principal amount to the principal, they apply it towards a future payment as they choose. I have gotten a payment history twice ( both different ) and had my CPA due the math to prove Compass Bank is ripping me off in the thousands of dollars so far. I have lots of paper work to back up my claim. I have tried to work with the bank and they claim no wrong doing. Because of the contract papers I am not allowed to use an attorney in my defense. I assume Compass Bank is ripping off thousands of people with no worries and no body can touch them. Just not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: MA
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:
I paid off a XXXX XXXX XXXX loan on XXXX XXXX in the amount of {$4300.00}. XXXX XXXX sent me a letter that the debt was settled and the title was mailed to me. 
Several weeks later XXXX XXXX contacted me and said that the payment didn't go through ( It was a bank check or money order I paid with ) and I asked them to show me the check I sent them. They couldn't locate the payment form and said it was still outstanding even though I have a letter from them and the title. This has ruined my credit. I had XXXX reach out to them and nothing was resolved. I than had Experian dispute this and they charged off the amount on my credit report. 

It had escalated to the Presidents office at XXXX XXXX and I spoke with someone who said they were passing my information along and I never heard back from them and didn't know how to contact someone at the Presidents level.

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 2022-02-07
Company: Experian Information Solutions Inc.
State: CA
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:
Hard inquiries appeared in my credit report that I did not initiate or apply from these XXXX institutions : XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX - XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX XX/XX/2022

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 2017-08-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016 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.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act Account 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 604A. It also states a consumer 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 2017-10-23
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Kross, Lieberman, and Stone continues to report an account in the amount of {$150.00} which was a result of identity theft. I have disputed this fraudulent account and have furnished the police report. This willful noncompliance is causing me damages and has negatively affected my credit score

Company response to consumer: Untimely response
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was listed as one of the potentially impacted people on the Equifax credit breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer 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 2017-08-16
Company: United Collection Service, Inc (FL)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX UNITED COLLECTION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear UNITED COLLECTION Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that UNITED COLLECTION send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by UNITED COLLECTION to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Receivable Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017, I sent a HIPAA validation letter to Receivable Recovery to validate a debt that they alleged I owed for XXXX XXXX. I asked them to provide proof of the debt and validation of my signature giving this provider permission to release my medical information to them. They in turn responding with a generic " patient ledger '' that included my daughter 's name, some charges, and procedure codes ( HIPAA violation ). This is not validation, as they could not provide proof of my  signature giving the provider permission to release my personal protected health information to them. I sent a second certified letter on X/XX/2017 requesting proof of my signature and that if they could not provide me with this validation that they would need to stop reporting this debt to all three credit bureaus. My second letter advised that they had 15 days to respond from the date of receipt of my letter, which they did not. I sent this letter certified and I have attached proof of both letters and a screenshot showing where the second letter was received on X/XX/2017. They still have yet to respond my second letter, which proves they do not have adequate proof to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, I received an email stating that XXXX was sent via XXXX from my checking account. I called Chase to let them know that I did not authorize that transaction and I was told a claim would be filed and that I would receive a confirmation email. On Sunday I noticed that I still hadnt received the emailed and called chase customer service who stated she saw no claim filed in the system and that I would have to call back on Monday when they reopened. I called and filed a claim. They reversed the money temporarily. I received a letter approximately 10 days later stating that my claim was denied and that the money will be removed from my account. I called to dispute the claim and was told there was nothing else that could be done for me. I have banked with chase for over 20 years and this is the level of customer service I receive. I am very upset that chase allowed someone to steal XXXX of my hard owned money with no assistance of returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a XXXX of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated XXXX ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing 3 different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX  is reporting XXXX and XXXX is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act 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 604A. It also states a consumer 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 2022-02-07
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated 623 ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing XXXX different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX is reporting XXXX and XXXX is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Went to get a line of credit or equity out of my house and they ran my credit report and they said no, I just wanted to get away from XXXX interest they are making off of me on a loan that I only owe XXXX of a loan that was only XXXX to begin with

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have been a card holder of a Banana Republic store credit card through Synchrony Bank since 2009. Recently, my account was changed from a store credit to a Visa credit card by Synchrony Bank without my authorization or my consent. This has resulted in reporting of a new account and new line of credit with the credit bureaus. I raised my concern with this Banana Republic and Synchrony Bank, but no action has been taking. 

My privacy and credit has been violated by this new account that was opened without my authorization. My credit score was negatively impacted multiple points by this new account being opened without my authorization.

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 2022-07-10
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:
XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated My Rights numerous times. 

The Credit Bureaus violated my given rights under XXXX5 USC 1681. 

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.

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 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
Equifax allowed a leak and therefore mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act 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 604A. It also states a consumer 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 explanation
Consumer complaint received 2022-07-10
Company: M&T BANK CORPORATION
State: PA
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 cash advances

Complaint:
on XXXX XXXX Someone took cash advance off my credit card XXXX plus cash advance fees XXXX in XXXX XXXX XXXX XXXX  XXXX XXXX I was not in XXXX XXXX on this date I live in XXXX and was home during this time. The next day on later on this day not sure I wanted to use my card and it was denied I called and ask why the credit card people said there was suspicious activity on card and we cut it off was it you I said no it was not me Im in XXXX  They said we will send a new card out! Then I get the bill for these charges XXXX cash advance charges and fees I call I dispute these charges they said they investigate within 4 days they denied it said I had card still in my possession I said but I didnt do it they said a card with my pin was used I said I read in XXXX skimmers are being found with cameras on them that is how peoples pin stolen they still denied it. Now weeks before this happen I was in XXXX visited a friend used atm at a XXXX XXXXtore ATM outside to get cash but his was weeks before maybe a month no where near this XXXX XXXX area on this date. I am a honest man I would not say it was not me if it was What M & T credit is calling me is a XXXX and XXXX and I won ; t stand by for this I did not do this!!! Im so upset I dont know how this happen I would never go into this high crime area and withdraw cash I sent them police report # and my GPS info and still they denied said i have to pay I cant do this on fix income and I cant because i did not do this!!!

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 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I AM A VICTIM OF ID THEFT. MY PERSONAL INFORMATION WAS COMPROMISED AND SOMEONE/S OPENED SEVERAL ACCOUNTS IN MY NAME AND AS A RESULT THEY WENT INTO DELINQUENCY. THE ACCOUNT THAT I HAVE BEEN TRYING TO REMOVE IS A RESULT OF THAT..

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