BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from Southwest Credit demanding to know personally identifying information from someone named XXXX. She demanded to know my name, address, and other personal information but refused to advise me as to why she was calling or the nature of the alleged debt. I told her not to contact me again. I do not owe anything to anyone save for legitimate creditors, to whom I make payments on time. I am in good standing on all debts. This is extortion plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
my home equity loan with m & i bank in XXXX wi. was bought by bmo bank after about 5 years, after paying on it another 5 years never missing a payment and always on time. they told me it had come due and they would not renew it. there was no due date on my contract with m & i. i have a XXXX credit score. and have never been late on payments or filed bankruptcy. bmo advertises, were here to help. not in my case.they want to go in default with it. i dont know what i can do. please help

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 2016-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I disputed the inquiry 's on my report 4 mos ago I have XXXX inquiry 's without the permission of me. I 'm supposed to have a fraud alert on my report but they just keep letting anyone inquiry about my report. The alert says there supposed to contact me before anyone can see my report or score. I also never received a final decision on my disputes.

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 2020-01-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper mortgage company. I was behind on my mortgage 2 mos. I called to get the totals with late fees and got a increased amount to pay for XXXX and XX/XX/XXXX. I ask why was the mortgage so high what happen. I could not get any answers. I wanted to make payments but the online payment service was cancelled due to my late payments so I called again they took 1 payment of {$510.00} on XX/XX/XXXX and did not apply it to my loan but debited my checking account. They told me to call back and make another payment the next day. Which I did and they said you have to pay the full late with an escrow balance {$4900.00} My insurance had lapse and they attached an escrow account to my loan this took weeks for someone to tell me this. I paid {$2300.00} into the escrow acct on XX/XX/XXXX to clear this up. To this date XX/XX/XXXX. I have not been given the correct total to pay my loan current from XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I spoke to an agent every day. The agents are not given me correct information each time I call. I've ask for them to remove the escrow account they said it would take 24-48 hours to remove because they did receive the {$2300.00} on XX/XX/XXXX. This was not done. I spoke to an XXXX XXXX 2 mos. later she stated they could not remove the escrow account it took weeks to get this answer. On XX/XX/XXXX They sent a payment to my insurance company of {$920.00} XX/XX/XXXX when I sent Mr Cooper proof of my insurance. My insurance was paid in full by me on XX/XX/XXXX for {$970.00} now they are charging me for the escrow funds that was sent to my insurance company. This company is the worst and I don't understand why I cant get someone on the phone that could clear this up in one day. My house would be in foreclosure if I don't get help immediately. I would like to pay my loan payment up to date but not including the escrow account since I've paid it in full {$2300.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There are three items on my credit report that have not been active in over 7.5 years. 
1. XXXX XXXX / XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
2. XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
3. XXXX XXXX XXXX, partial acct # NC, address id # XXXX. According to XXXX themselves in records sent to me XXXX XXXX, 2016 this account is well beyond the the statute of limitations and beyond the time XXXX may report to a credit bureau. They also confirmed via telephone that this is the same XXXX account listed earlier, and that both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are owned, partially owned, or affiliated with XXXX, XXXX. Experian has thus far refused to remove it despite being XXXX inactive for over 7.5 years and a duplicate reporting of the XXXX XXXX / XXXX listed earlier as # XXXX. 

An acceptable solution is for Experian to delete all XXXX of these accounts from my credit report immediately. I have provided all the above information previously and Experian continues to reply that it is insufficient for their investigation despite their own report listing the exact information provided above. Both XXXX and XXXX XXXX are either not reporting or in the case of XXXX have removed the duplicate and aged out 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 non-monetary relief
Consumer complaint received 2016-09-12
Company: ASSOCIATED BANC-CORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is a complaint on a Associated bank Employee XXXX in Corporate security He closed my checking Account with out any notice I was completely embaresed When I tried to use my debit card to get my medicine and it denied my card multiple Times I went out side and contacted the bank they informed me that my account has Been closed and forward me to XXXX he told me my account was closed due to misuse And I am not aloud to Bank with Associated Bank any more and this is not a charity I am concerned about my social security money that is deposited on the XXXX I am in the process of Trying it change it with socal security but I am not sure that they can do it so soon he refused to try to work with my or reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: MI
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:
I am name is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX Balance {$0.00} Bankruptcy : XXXX XXXX Reference number : XXXX Amount : -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Around the month of XXXX I filed a complaint about a fraud credit opened in my name that I have never used or activated. 
Capitol One has since then closed the card and ceased collection. Although I am grateful for them operating in good faith, I recently puled my credit report and is effecting my ability to obtain credit at other businesses. 

I would like to respectfully request that Capital One remove this trade line from my credit report immediately as it was never supposed to be reported on my file anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The letter was mailed out on XXXX XXXX. The Experian bureaus have continuously sent scare, stall tactic to clients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: MI
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:
Experian needs to fix the issues about the inaccurate information of the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries I am disputing : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-02-23
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2017-05-30
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to the mortgage company they claim we have lapse in our hazard insurance policy and is not true I conctact my insurance company and spoke to them they said we was fully insurance the entire year nd they send me my declaration page I been insurance with this company for 3 years and the mortgage company claim that we had a lapse an claim that we paid them  XXXX  or they will make foreclosure on my property I send proof before and they stop harrasing me and know they start again here the evidence again please help me with this situation and do not altered the terms of my loan

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 2020-01-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt is from wells fargo. It is a fraudulent debt that was once removed from my XXXX credit file. In XX/XX/XXXX or XX/XX/2019 it re appeared. I contacted Wells Fargo about this issue and in XX/XX/2019 they " verified '' it was my debt. I requested all the paper work with my signature and any and every documentation of this verification to be provided to me. I have spoked to XXXX and XXXX from Wells Fargo recovery and executive office. the executive department number is XXXX. My case numbers is XXXX and XXXX. The debt owed is {$930.00}. I have provided Wells Fargo with a FTC letter and notified them and XXXX I was a victim of Identity theft. Every time I call wells fargo about this issue I can't get a clear answer and im told they will send me the documents. I haven't received anything from Wells Fargo.

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 2016-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited {$3000.00} into my B.O.A. acct from my trust fund on XXXX/XXXX/16. BOA placed the funds on hold until XXXX/XXXX/16. When my funds were not available to me by XXXX/XXXX/16 I called and was then informed that the hold on my funds had been extended to XXXX. I asked for a supervisor and was told that there was nothing he could do on his end that I had to wait until the following Monday and contact risk assessment. So today XXXX I have attempted several times to find a way to expedite the process of freeing up my funds ( which had been released by my trust acct on XXXX/XXXX/16 @ XXXX ) BOA risk team member named XXXX said that they had tried to verify funds but my trust account did n't do third party verifications. ( Which is completely untrue ) XXXX then told me to obtain a proof of funds letter via mail, take it to a branch bank and the bank associates there would fax it to the risk assessment team and they would go from there. I asked him if contacting my trust bank and having them fax the documentation directly to the BOA risk assessment team would be ok to which I was told no. XXXX told me that was the only way I would receive my funds before the end of the month and curtly hung up on me. I then contacted my trust/legacy bank and spoke with XXXX asking her if canceling the check was even a possibility to which she said no because the funds had long since been released. I explained what I had been told by the BOA reps to which she said that she would call them from her end and conference me in. XXXX at BOA risk management answered this time. Took down my information and when I told her that XXXX from my trust account was on the phone she abruptly said that she " would not participate in a conference call so just get the proof you were told to get. '' ( Addressing me in a very rude and dismissive manner ) XXXX ( ignoring her rudeness ) said well if I give you our customer service number will you attempt to verify the funds that way? XXXX said she would take down the number and would call to confirm the funds. Then XXXX asked her the timeframe in which she would be calling to verify the funds and XXXX said that she would neither give a timeframe or discuss the subject matter any longer and hung up on us. So here I am with a BOA account balance of $ XXXX accruing overdraft fees of {$35.00} for every 5 days my account is negative. Even though the {$3000.00} that I deposited cleared long before my account went into the red. As of XXXX XXXX my funds have not been released nor has BOA attempted to contact the trust 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 2019-11-25
Company: Adler Wallach & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX tried to charge my insurance provider for a procedure that was never performed of which my insurance company refused to pay. 

Because my insurance provider refused to pay, XXXX XXXX XXXX tried billing me for the procedure, after I wouldn't pay, they sent it to a collection company. 

On more than one occasion I've tried to get XXXX XXXX XXXX to prove that this procedure was performed, and they were unable to do this. 

I have contacted AWA Collections to settle this matter but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Please and thank you!

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 2020-01-16
Company: EQUIFAX, INC.
State: PR
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:
Based on the time ( XX/XX/2013 ) 7 years other collection agency companies have already " delete '' this bankruptcy Reference Number XXXX for no longer having an effect due to the statute of limitations and in reality it limits me you start a new course obtaining an improved credit report. I strongly ask the administration of Equifax that I understand they can eliminate such bankruptcy so that my credit status improves. I am very grateful that you make this decision for the sake of my family and my own. We would like to start a new life by managing our assets, income, and using our budget wisely. Another point is that this report indicates at the end that No contact information has been reported by this creditor. Thank you. Attached credit report to which I refer : Credit Factor Account Info Reported on XX/XX/2013 XXXX / XXXX CHXX/XX/XXXX Overview Reference Number XXXX Date filed Reported on XX/XX/2013 Responsibility Joint Institution Information No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CITIBANK, N.A.
State: CA
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:
XXXX / XXXX /  XXXX   - I received an electronic state ment from Citi that I owed {$95.00} annual fee on a closed AAdvantage account. I then contacted them through their online Secure Message s to inquire about the charge. They responded saying the account was now closed and prorated the fee down to {$23.00} since their " record '' showed I did not call to cancel in  XXXX   XXXX  and I was over the " 37 day cancellation period '' to receive full refund.  <P/>  XXXX / XXXX / XXXX  - After over a month of messages back   and forth, I told them I 'd contact Citi Corporate since they could n't resolve the issue. I also pointed out that to this day, I was still able to generate a Virtual Account Number on this " closed '' account. They responded with the Office of the President address.
<P/>
Citi reps were quick to come back and argue but never attempted to investigate the integrity of their computer/billing system, ( 1 ) why the closed account is still active, and ( 2 ) IF they had been sending out statements, finance charges would have accrued on any outstanding b  alance since  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