BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: TD BANK US HOLDING COMPANY
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: Public record information inaccurate

Complaint:
XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted XXXX XXXX because the when I used the website and employees in the branch could not access my Fico credit score. I was told I had to go through Experian. I could not make an account on the Experian website, every time I get to the last step where I enter my address and SSN I am met with a Technical Difficulties screen, which gives me a phone number. 

I have called that and every other number I can find for Experian, and they all go to the same automated voice menu system, it is impossible to speak to a representative. Their system is completely broken and it horrifies me that my own access to my private information is impossible to retrieve from them, while they have access to all of my important personal information. 

I am desperate, and worried I will never be able to get FICO credit score.

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 2021-12-09
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: Account status incorrect

Complaint:
I PURCHASED A XXXX XXXX AND FINANCED IT THROUH XXXX IN EARLY XXXX. I HAVE MY CHECKING ACCOUNT NUMBER AND IT WAS DEBITED MONTHLY. LATER ON I GOT EMAILS SAYING MY ACCOUNT WAS PAID LATE, WAS IN DEFAULT, ETC. XXXX SUBSEQUENTLY NOTIFIED EXPERIAN THAT MY ACCOUNT WAS IN DEFAULT AND MY CREDIT TOOK A BIG DIVE. IF PAYMENTS WERE MISSED OR WERE LATE XXXX IS TO BLAME. THESE PAYMENTS WERE TO BE AUTOMATICALLY PROCESSED AND DEBITED FROM MY ACCOUNT. EXPERIAN HAS BEEN NOTIFIED OF THIS ISSUE BUT HAS NOT RESPONDED TO ME. XXXX TURNED ACCOUNT OVER TO A COLLECTION AGENCY. I CALLED THEM AND NOTIFIED THEM OF THE PROBLEM AND THEY AGREED TO STOP COLLECTIONS. BUT IT IS STILL ON MY CREDIT REPORT AND I WANT IT GONE -- AND AN APOOLOGY. 

AUTPAY WAS SET UP AND I EXPECTED ALL PAYMENTS TO BE PROCESSED THIS WAY. THE COMPANY RESPONDED TO ME THAT THE INITIAL PAYMENT WAS NEVER INTENDED TO BE PAID BY AUTOPAY. AS FAR AS THE DELINQUENT NOTICES I ASSUMED THEY WERE BOOKKEEPING GLICHES SINCE XXXX HAD MY DEBIT INFORMATION FROM MY 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 2017-06-30
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
home was purchased in XX/XX/XXXXwith a loan ( {$220000.00} ) amount of 95 % ( {$230000.00} ) of what the home was worth. In XX/XX/XXXX the home was assessed by the city to be worth {$320000.00} ; I called the bank to ask for the removal of the private mortgage insurance and was told that it was not possible. They stated that I could not have an independent appraisal and that I needed to pay them to have the home appraised and even if the appraisal came back to be the {$300000.00} that would not guarantee the removal of the PMI. When I asked what was the automated assigned valve that they assessed to my property ; the bank refused to give me a value. Though in XX/XX/XXXX the property was assessed at {$330000.00} and XX/XX/XXXX {$340000.00} ; the bank has consistently maintained over the past 3 years that regardless of what the assessed value of the property is, that will not determine the elimination of PMI. I have been asking for the past 3 years to have the PMI removed based on the value of the home and the bank has refused to give me a definitive answer as to when this will happen though my loan is currently less than 70 % of the home value. <P/>In XX/XX/XXXX my monthly payment was {$1700.00}. As of XX/XX/XXXX my payment was increased to {$2000.00} without any explanation though my insurance was only increased by only {$65.00} annually and taxes between XX/XX/XXXX and XX/XX/XXXXwas only increased {$90.00} annually. My monthly payment on a 30 year fixed rate mortgage has increased {$250.00} per month without any justification or explanation. <P/>In XX/XX/XXXX I was told by the bank that my escrow account was short {$1000.00} and I needed to pay that amount to avoid an increase in my monthly payment.This amount was paid in XX/XX/XXXX to Severus but my payment was still increased. I have not received any explanation of where the money went and was not issued a credit towards the following month or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: PA
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 convergent Acct # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX states i have the right to privacy. 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish a account with out my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Academy Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home on XX/XX/XXXX, 2015. We opted to set up an impound account. It seems Academy Mortgage, XXXX XXXX XXXX XXXX, NJ XXXX, was unable to accurately figure out the taxes that should have been made for this home. They based their figures on the sellers original purchase price not the purchase price we paid for the home. They sold the loan approximately 18 months later and still at that time had not figured out they were not collecting enough for the county taxes. They told me it was my responsibility to figure that out. I thought that is what they are being paid for to figure this type of thing out. So now they managed to completely eat up my reserve account, the new lender was able to figure this out almost immediately and it is now costing me {$300.00} more a month to fix their computing errors. I do not understand why it is so difficult to figure out 1 % of a purchase price for county taxes. It seems fairly straight forward and simple. I was able to figure out what the impound account should have been within less than a minute. If these people are being paid to competently secure a home mortgage it seems they should at the very least be able to compute basic math and understand how county property taxes work. We are fortunate that is n't going to be a total hardship for us, but it could make a huge difference for other home buyers. I have purchased six homes in the past and have never had this sort of issue with a lender. It is completely unacceptable business practices and they really need to be investigated for their lack of competence. <P/>As an additional concern was they were not able to pay my tow insurers either. I had to pay the flood insurance myself, because they managed to not send the payment to them either. This mortgage lender needs some retraining to service loans correctly and manage impound accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Netspend Corporation
State: WA
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:
My name is XXXX XXXX and I received an email about a card on the way in which I never signed up for. I believe this was a mistake or someone fraudulently opened an account under my name.

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 2022-10-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this Capital One Bank USA N account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: FORD MOTOR CREDIT CO.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting inaccurate lates on my credit file. The lates were for XX/XX/20, XX/XX/20, XX/XX/20. On various occasions i have tried to set up automated payments through the online systems and although the system tells me it has been set up it still hasn't been! I never received a call, letter, or notice about the delinquency so i assumed everything was set up fine and later i notice late notations and that's when i go in to my account and see the payment wasn't automatically drafted as i had set it up to be. I need these lates removed, i was not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Company: BBVA FINANCIAL CORPORATION
State: FL
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:
On or about XX/XX/2018 I lost my wallet with all my credit cards i have contacted all my credit cards to cancel them but some of them had fraudulent charges already all but one has given me temporary credit and told me not to worry about making payments on a disputed amount until the investigation is complete in which normally no payment would be due since it was fraud. BBVA compass told me to make payments till they resolve the claim which they say will take 90 to 180 days because they are under staffed. Why should I be paying on a disputed amount if I didn't make the charges. They also sent a report to the credit bureau that I have a balance on my card and a payment is due this lowers my credit score this company does not protect the consumer in any which way. They shouldn't be in business if they don't have the staff to work on behalf of their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens bought Franklin American Mortgage who had been servicing my home mortgage. After approximately 12 months of Citizen 's servicing I decided to pay off my mortgage. All payment to citizens had been made via their website where my bank account was linked and payments were ACH 'd from my bank to citizens. With each payment there was a disclaimer posted that final payoff payment could not be done electronically and must be mailed. So, i made my final electronic payment in early XX/XX/2021 but i made it for approximately {$400.00} less the loan balance. I then requested payoff information. The payoff info that came said that my final payment of approximately {$400.00} had to be made via wire transfer or Cashier 's check. 
Out of convenience and principle I called Citizens ( spoke to XXXX ) to ask why I couldn't send a personal check or to ask if could deduct the cashier or wire fee from the amount I was sending them. I was told i must send a wire or CC for the full amount and that was not their policy but was the policy of the investor XXXX XXXX XXXX ). I called XXXX XXXX would confirmed that this was NOT their policy and they had no preference how I paid the servicer. I then requested from the Servicer documentation of where i accepted the terms and conditions stating my final payment would be different than every other payment and where i accepted responsibility for charges associated with arranging this special payment. I was told that they would have to charge me to send me my consent ( which i am sure i never gave them ). We remain at an impasse regarding my loan payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I opened an XXXX XXXX account on XXXX XX/XX/XXXX. A promotional offer was advertised : {$100.00} would be credited 30 days after receiving a direct deposit of over {$500.00} within 60 days of account activation. I received a payroll deposit from my employer on XXXX which fulfilled the terms of the promotion. 

{$100.00} was not credited after 30 days so I sent a secure message inquiring about the promo status. On XX/XX/XXXX, two representatives replied that the terms of the offer were different from the advertisement : " Please be advised that customers who acquire an ACE Flare account at participating stores and enroll in direct deposit within 60 days of the account creation date and receive a qualifying direct deposit of at least {$500.00} for the next three months can receive a {$50.00} or {$100.00} credit in account, to be paid out within 30 business days of the last qualifying direct deposit. '' and " Please be informed that the promotion is if Cardhholder will receive a minimum qualifying direct deposit of at least {$250.00} for the next four consecutive months can receive a {$25.00} credit per month for 4 consecutive months to their account, for a total of up to {$100.00}, to be paid out within 10 business days of each qualifying direct deposit. '' These are not the terms of the advertised offer. I replied stating that I would file a complaint if the offer was not honored and was escalated to a senior representative at XXXX who upheld previous statements. 

The web page for the original offer has been removed : https : XXXX The page contents were preserved by Archive.org and can be seen here : https : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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 2017-06-30
Company: Experian Information Solutions Inc.
State: NC
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 spoke with a representative in the Consumer Affairs Division of Experian regarding false/inaccurate information that is intentionally and willfully being reported by Experian, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( the debt collector ). I provided indisputable proof, by way of fax, that shows the amount of {$1000.00} was the amount owed, according to the Court ; however, Experian, XXXX XXXX, and XXXX XXXX systems tripled the amount to XXXX and has been wrongfully reporting {$2900.00} for about six ( 6 ) years. The are all aware that under the Fair Credit Reporting Act that inaccurate information must be deleted ; however, they continue to DEFY the law in an attempt to oppress and cause further harm by continuously reporting information that they know to be false. Further, I was told by the assistant leasing agent that I could move -- with no further financial obligation- after reporting several incidents involving safety and other criminal activities by people XXXX had allowed to move into the community. Further, I did not receive Notice of the Court date, even though the correct address was in the Court 's file and on my counterclaim. I have no doubt that had I been provided with Notice ; the outcome would have been quite different. Nevertheless, Experian is reporting information that it knows is false, and I asking for assistance in correcting this matter right away.

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 2021-07-21
Company: Atlanticus Services Corporation
State: WA
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:
I received a letter from this credit card Fraud Control - saying that they thought there were possible fraudulent activity on the card. A phone # was listed and i was asked to call verify or not the charges. I tried 4 days running to reach someone at the phone # - but it was only a recording that said ' leave your phone number and brief reason for the call and we will get back to you " Two weeks went by and i got no call - Finally I tried again and this time I asked why no one had called me back and she said " we did " and i said I had not received any call! She insisted so I asked for the person who said she had called me. This person said that she had called me - that I had answered as XXXX XXXX and had verified the charges as being mine - I reiterated my two phone numbers which they had on file and I certainly did not recognize the - XXXX XXXX number. I finally received an affidavit form and I sent it back filled out and with a copy of my drivers license as requested - it had to be received within 14 days and i mailed it back on the second day. after I received it Now they say because it was not back within the specified time - their fraud control was hindered and I must pay the charges + late fees - XXXX + late fees - no recourse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have been disputing things with the bureaus for a very long time now and have gotten nowhere. I sent deletion letters and have been saying the late payments are wrong and they have been no help. I need them to remove things from my credit. I attached letters please respond.

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