BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
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:
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 XXXX. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they 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 n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have noticed a negative entry placed on my credit report from Credit Protection Association for a XXXX  account. I had correctly canceled XXXX and terminated my service with them back in the spring. After speaking with CPA, they informed me the debt is for unreturned equipment. this is false, the technician whom came to my house to install a different XXXX service took all my equipment. I called XXXX and they confirmed there is no debt owed, and that the collection assignment was an error. I have tried to communicate this to CPA but they are impossible to deal with and keep pointing the finger to XXXX, and XXXX is doing the same thing by saying it 's CPA 's fault and to contact them to cancel the 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 2017-07-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of LVNV Funding ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/XXXX I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or aroundXX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/XXXX I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX An entry is made to my mortgage account by TD Bank ( TD ) in the amount of XXXX with no explanation of what the charge represents. 
XX/XX/XXXX A message is sent to TD through their online customer service asking for clarification of the charge of XXXX. A response from XXXX TD Bank Digital Specialist does not answer my question and provides an XXXX number for review and assistance. 
I was unable to reach anyone using the XXXX number and contacted the local XXXX TD branch for assistance who informed me the issue was with my insurance coverage. 
I contacted my insurance provider who confirmed that my coverage was current, that there had been no lapse in coverage and that all notification of insurance as required had been sent to TD in a timely manner. My insurance provider resent the information to XXXX at that time. I received no acknowledgement from TD regarding that notification or clarification of the escrow disbursement. 
On XX/XX/XXXX another message was sent to TD asking for clarification of the escrow disbursement charge and why my {$700.00} XXXX payment was not credited to my loan. 
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. 
On XX/XX/XXXX a miscellaneous receipt of XXXX appeared in my mortgage account with no explanation. I do now know what this entry represents. 
On XX/XX/XXXX I contacted XXXX at TD XXXX Branch for clarification. No explanation was available. 
On XX/XX/XXXX XXXX called and stated that my mortgage account was part of an audit and that she could provide no more information about the account. 
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. 
On XX/XX/XXXX mortgage payment to TD bank of {$690.00} was paid. 

I have received no information from TD to clarify the information regarding the Escrow Disbursement nor the miscellaneous receipt on XX/XX/XXXX nor the status of my last three three mortgage payments. 
This is the third complaint I have made regarding this bank and their lack of transparency as to status of my mortgage payments and their erroneous banking audit. 
I have also not received mortgage statements for the past three months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase is reporting Foreclosure on my credit report as well as reporting late payments after it was paid off. My house did not foreclose. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
5/3 BANK HAS BEEN OVERCHARING MY ACCOUNT FOR FRAUD AND HAPPENED ON CLOSED CARD. I HAVE BEEN SPEAKING WITH XXXX ABOUT IT FOR 5 DAYS AND SHE HAS NOT REPORTED FRAUD OR ASSISTED ON RETURNING MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My DISCOVER card was charged and I disputed {$560.00} : XX/XX/XXXX XXXX XXXX NV {$5.00} XX/XX/XXXX XXXX XXXX NV {$85.00} XX/XX/XXXX XXXX XXXX NV {$91.00}XX/XX/XXXX XXXX XXXX NV {$91.00} XX/XX/XXXX XXXX XXXX XXXX NV {$.00} XX/XX/XXXX XXXX XXXX  XXXX NV {$4.00} XX/XX/XXXX XXXX XXXX XXXX NV {$89.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} I ordered a FREE sample for {$4.00} shipping from XXXX.
1 ) A company sent a box to me with no NAME of the shipper on it.
I located them by the address on the box and I CALLED THEM. I TOLD THEM I WAS RETURNING THE BOX TO THEM UNOPENED, AND TOLD THEM TO NOT SHIP ANYTHING ELSE TO ME.
2 ) I received two more identical boxes. I returned these two additional boxes to them unopened. After returning all three boxes, unopened, I received a form letter email from XXXX regarding the above charges on my DISCOVER card.
3 ) The company sent a copy of a webpage that I have never seen before to DISCOVER saying I signed a contract with them.
I did not agree to any contract ; I only agreed to one sample for {$4.00} shipping. I had never seen that web page until DISCOVER sent me a copy in their correspondence.
4 ) I supplied DISCOVER multiple sources showing them that this company goes by numerous names and has scammed numerous people.
DISCOVER charged me using the name of ~ XXXX DISCOVER charged me using the name of ~ XXXX XXXX I was contacted by an email with the name ~ XXXX How DISCOVER connected the three names, I do not know or understand.
However, DISCOVER does not care that the company is a scammer. XXXX XXXX XXXX 5 ) XXXX told Better Business Bureau : The customer 's account has been flagged as a chargeback onXX/XX/XXXX for the disputed charges. The chargeback processor and credit card companies will determine the legitimacy of the claim and be able to provide any refunds as necessary.
6 ) I requested ONE sample for {$4.00} shipping.
I was charged NINE times totaling {$560.00}.
I returned everything, unopened, unused.
DISCOVER will not credit my account for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Fidelity National Information Services, Inc. (FNIS)
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: Public record information inaccurate

Complaint:
Recently tried to open an Account with XXXX XXXX  and chex systems reported all the wrong information to XXXX XXXX  and XXXX XXXX  didnt open my Account. it is showing wealth index as " XXXX '' when I do own a property and I do have substantial amount in my Bank Accounts. Chex system is not transparent and showing wrong information to the banks. I have excellent reputation with all the Bank and do own wealth. Chex Systems is a fraud company and should be closed.

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 2021-02-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I noticed that I was docketed XXXX points from my credit report for disputing alleged debts. I did not receive a reason for the taking away of the point. I like the increase back of my XXXX points docketed without explanation, as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CITIBANK, N.A.
State: IL
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:
We made a purchase at Best Buy 3 years back for {$6200.00} and it was advertised as " 0 '' interest for 3 years. They did not explain at the time of purchase the difference between " deferred interest '' and " 0 interest ''. I set up a monthly payment of $ XXXXmonth for the past 3 years and the promotion ended on XX/XX/. I did not realize that I had a balance of {$1100.00} at that time and they now charged me an interest asking to pay {$7100.00} instead of my balance of {$1100.00}. I was not familiar with how this process works and feel it is a rip-off from Best Buy/Citi credit cards.

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 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
While checking my credit report, I notice an account from Capital One Bank that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that Capital One Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2017-07-20
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving automated/robocalls from XXXX onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Went to voicemail and automated call left a message saying they are Sequim Asset Solutions, LLC ( might be mispelled ) and they are trying to collect a debt. The first part of the message is cut-off so do not know who they are trying to contact so they could be trying to contact someone else since the number is somewhat new. I have never heard of the company and do not have any debts they could be calling to trying and collect on so it sounds like it could also be a scam to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in contact with my mortgage company for over 2 months now about my taxes being unpaid. Everytime I call, I ask to be transferred to a supervisor to discuss my file. Every single time I call they claim to be opening a work order that is due by x date and when I call on that date for an update, I'm given another date XXXX weeks from then. My taxes are now delinquent and I don't believe it's my responsibility to pay the interest out of my escrow account due to their mistake. I work at a real estate attorney 's office and know how this should be handled. I asked them to confirm the tax map # of the taxes they paid for and it was a completely different tax pin than my property. I searched the taxes up and it's for a whole other person 's property who just got their taxes paid for on my escrow account 's behalf. I have given the company all the information that they need to fix this issue and I am never given an answer or taken serious. It's frustrating when I'm given the run around on every single phone call but they're quick to draft out my mortgage payment every month. I've attached a copy of my deed to show my correct tax pin as well as a screenshot of my escrow information showing the incorrect tax pin. I have spent hours on the phone with this idiotic company and I am tired of getting the run around. They could absolutely care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Money Lion, XXXX XXXX today XX/XX/2021 I called to cancel the account and ask them who opened it, they would not give me any details. They said they would have their fraud department call me I asked them to use the mail not by phone. I refused to give any additional personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital account have a collection on my credit. I mailed two notarized affidavit on different dates asking for a signed contract between myself and capital accounts No response twice. I made a complaint with the XXXX XXXX XXXX and capital accounts responded stating I DO NOT HAVE A CONTRACT with them nor A Debt with CAPITAL Accounts they stated they are trying to collect money for another company. How can Capital accounts report falsely report I owe them to the credit bureau 's but say I don't owe them.Capital account is reporting inaccurate information under the fair reporting act they can not do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: HUNTINGTON NATIONAL BANK, THE
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Over the past month I have talked to multiple people at the bank and they made many promises to me to get it fixed and Huntington National Back has not fixed my credit limit. I owe {$0.00} my total credit limit is {$32000.00}. Bit my avsilible credit shows $ XXXX less than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I was notified about a hit on my credit report. ( Attached ) XXXX I contacted Credit Management Co who told me they only report the charge off and can not resolve anything. They advised me to call XXXX XXXX but could not offer a phone number. XXXX I then Contacted XXXX XXXX and sent though multiple departments until finally someone was patient enough to find that XXXX XXXX had no record of me ever being a customer or anybody else with my name or address. XXXX XXXX also confirmed that they did not even offer service at my address ( to which I have lived at since XXXX ). I have never done business with XXXX XXXX XXXX. But they said they would get back to me in 7 days with a Case # and any info from Credit Management Co to which they confirmed did do their collections. I had not heard back from XXXX XXXX and on XXXX tried again to follow up. After bouncing from operator to operator at XXXX XXXX I tried Credit management Co again. They confirmed I had contacted them earlier but said there was no correspondence from XXXX XXXX. They suggested I file a police report for stolen Identity and gave me a reference # XXXX My credit record still shows a Collection Chargeoff from a company I have never done business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 a credit in the form of a payment was posted to my American Express credit card account in the amount of {$4000.00}. 

That same day I immediately called American Express to inquire about the payment and reported to them that I did not make the payment. They investigated the payment with me on the phone and indicated that they could not tell me who made it and that it was listed as anonymous. I specifically asked them regarding charging against that amount / credit, because I was concerned it would be reversed, and was told that there was no reason they could see to not go ahead and charge against it. 

The payment / credit stayed on my account and they allowed me to charge against it for over a month. Then, without any advance notice, warning or explanation, on XX/XX/2020, I noticed they had debited/charged my credit card the {$4000.00}. 

That same day I immediately called American Express to dispute the debit / reversal of the payment onto my card. They stated that it was still under investigation, needed to look into it further and would not remove the {$4000.00} charge from my card. They stated that my call with them on XX/XX/2020 was recorded and they would need to review that call before taking any action, but repeatedly suggested that I might be responsible for the charges against that {$4000.00}. 

This was not my error. I called upon noticing the payment to report it and was told to charge against it. This card normally has a limit of only {$2000.00}. I have always paid this card on time, usually early. I would have never charged the card for this amount had it not been for the credit/payment they posted and if they had not indicated that it was ok to do, while continuing to let the credit remain on my card for over a month with zero indication that they would revoke it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Earnest Inc.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied to refinance my law school student loans. During the application process, I was asked if I was a lawful permanent resident ( " LPR '' ) or U.S. citizen, but the application did not specify that the company discriminates between types of LPRs. As an XXXX who has applied to remove conditions, I made the appropriate selection, submitted my application, and the company pulled my credit. However, I was denied for the sole reason that I am not a U.S. citizen or 10 year permanent resident. I believe this constitutes alienage discrimination in violation of 42 U.S.C. 1981 ; discrimination, in violation of the California Unruh Civil Rights Act 51, et seq. ; and obtaining consumer reports without a permissible purpose, in violation of the Fair Credit and Reporting Act, 15 U.S.C. 1681, et seq. ( " FCRA '' ).

Company response to consumer: Closed with explanation