BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
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:
remove this : never late : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1500.00} {$1500.00} Payment Info Original balance {$1500.00} Balance {$1500.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, XXXX remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2018, 60 days late as of XX/XX/2018, and 90 days late as of XX/XX/2018. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2017-04-18
Company: Monterey Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt that was written off was mine, I had to choose on of the above to continue. I had an account with  Monterey Financial  that was charged off/written off as of  XXXX . After it was written off I now have  Monterey collections trying to collect after the account has been written off. Monterey  Collections contacted me last week to collect payment I was trying to ask questions but the rep became belligerent I asked if it was possible to collect on an account that had been written off. She went off to tell me that I did n't know what I was talking about, and threatren to pursue further legal actions if I did n't make this payment. I asked about a settlement she told me that she did not have to offer me a settlement the decision was totally up to her. The amount they are trying to collect is {$1300.00} she told me the best She could do as far as a settlement was {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I had an account with XXXX XXXX. They could never get my bill correct from the start. It was always different amounts. I switched to XXXX and got credit to pay off thge phones we were leaseing. After I switched I recieved different bills ranging from a credit of {$450.00} twice to {$1000.00}. I have called at least 10 times trying to find out which bill is correct. They can not give me any information at all. Transunion just keeps coming back with the same results that it will stay on my credit for 7 years. I know I owe them money but I doi not know how much. I Told XXXX on thwe last call that I Owe them money, but bunless they can explain all the different bills i will not pay. I told them if they want thier money to call with that information

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 2017-08-29
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this collection agency on several attempts.I 've got no results from them.I asked them to remove the account from my credit report due to an accurate information and not able to show proof where this account was signed. They have this account link to the last a four digits of my social not the complete social and a different name therefore this is in accurate information and I would like it to be removed from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Meridian ARG Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I was notified that the company was calling family members about me so I called them. They did not have the correct date of birth. I explained I had filed bankruptcy and to call my attorney. They were notified on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX. At XXXX on XXXX/XXXX/XXXX they left a message threatening to inform my employer. I called again at XXXX trying to explain I had already provided them the information about my attorney. I was hung up on. I called again at XXXX and was told company policy was that it took XXXX and they would continue to call me and my family until then. I explained again I had filed bankruptcy and I was hung up on.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Google Compare Credit Cards Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I received an overdraft notification from my bank. A fraudulent charge had been posted from Google in the amount of {$1000.00} for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unlocked ) '' and was sent using my name to an address I'd never heard of, " XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX United States '' I don't know how this was done, as no one else has access to my Google account or devices. I reported the fraud to my bank, XXXX, who agreed that it was fraudulent and reimbursed me. However, Google then proceeded to freeze my Google Payments  account, meaning that I can no longer use Google Pay, pay via Google Play, or make any transactions via my Google Wallet. No one at Google has been able to give me an answer as to what device the fraudulent transaction happened from or how they were able to use my account to do this. The Google transaction ID is XXXX and my Claim ID is XXXX. They declared that they didn't believe the transaction to be fraudulent, without any reason why, and so I'm stuck in a limbo of not being able to use my Google account for payments until they re-enable my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage through Bank of America. I requested the PMI to be removed. Bank of America is requesting an appraisal of my home to determine if my loan has a loan to value ratio of 70 %. The PMI should have been removed automatically at 78 % of the loan using the original appraisal according to law. My loan was a refinance and only borrowed 80 % of the value of my house to begin with, 10 years ago.

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 2017-08-29
Company: Colony Brands, Inc.
State: CO
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 was told by the company in question that when i paid the account in full that they would remove the derogatory account from my credit report with the 3 credit bureaus. I paid the account but they never removed the account from the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent documents in to transunion asking to investigate inaccurate error on my consumer report I sent docs in XX/XX/XXXX no response XX/XX/XXXX no response and now XXXX still no response they our reporting accounts thats inaccurate and XXXX or XXXX  isnt reporting. According to the FCRA Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX 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 2022-08-30
Company: Genesis FS Card Services, Inc.
State: SC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a bill for a charge from XXXX, I never made the charge, I called to dispute the charge. I called the company many times to try to get a response, while in the meantime they charged late fees, and started reporting to the credit agencies that I was not making on time payments. After many calls I was told by a supervisor that the dispute was never filed correctly in their system, therefore never triggering a dispute, and he assured me that he would get it resolved. I have never received any communication from them regarding the dispute, even after calling many times. Today I called and was told that the dispute had been resolved and it was found to be a valid charge. It is not. It seems like they are trying to scam me out of money, and they have done irreparable damage to my credit by reporting that I am behind on payments by 5 months when I never charged anything in the first place. This card was an emergency card that I did not use, the last charge I made on this card was in XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
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:
Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.

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 2022-03-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22 I called to Home Depot to see what was going on with my account I was advised that on XX/XX/22 my account had a {$100.00} payment that was rejected due to that my bank account was frozen. I was unclear due to that the payment was made by my checking account and not my debit account. I was advised to go to the store and make a payment and it would post immediately. On XX/XX/22 I made the payment and it was not processed. I called back to Home Depot at that point I received a very rude rep and was told that my payment was being held until XX/XX/22 due to that I keep writing bad checks. I did not write a bad check my account was compromised and the bank closed it to protect me. I was not aware that it would have an issue with things already in place. I felt discriminated against and Home Depot treated me like a criminal. I have been calling over and over and I was then told that they would call the bank to make sure that my payments were legit due to that if they released the fund I would go spend it and defraud the company. I was appalled. I was basically being treated like a criminal. I have been trying to resolve with Home Depot and was told that my account was in the presidential dept handled by XXXX who states that she was in the CEO office of Citibank and that she just got my case Monday XX/XX/22 and she needed 15 days to assist and that all of my payments had been processed but per XXXX stated that I still had to wait 48 hrs and that she was not going to release it because it would be released in 48 hrs anyway. I am in process of remodeling my home and I am just beyond disappointment as to the racial unfair treatment that has been received. Home Depot Citibank is XXXX and treats people unfair by the name of the customer

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 2020-07-29
Company: Access Financial LLC
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: Information belongs to someone else

Complaint:
Last year in XX/XX/XXXX someone went to a XXXX XXXX XXXX   in XXXX SC and opened up a personal loan in my name and was paying on the loan until XX/XX/XXXX. The individual stopped making payments and I was notified to make the payment through XXXX XXXX credit monitoring service. I contacted the store and spoke with the XXXX. I was told they couldn't give me any information over the phone I would have to come to the store in XXXX SC. I drove to the store and spoke with the manager XXXX XXXX. She asked for my driver 's license and social security card. After taking my information she made a copy of the documents and still didn't give me any information. I left the store and went to the police department and filed a report under number : Case # XXXX in the XXXX XXXX XXXX Department in XXXX SC. As of today the issue has still not resolved. I am asking for a copy of the loan agreement that this store claimed I sign and to have this store remove my name from their database as I have been a victim of identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
You have previous complaints from XXXX XX/XX/XXXX The response from SPS was they have everything for review, yet as of today they have done nothing.As I have said previously I SUBMITTED EVERY PAYSTUB/TAXES FROM XX/XX/XXXX to the many times. 
Im requesting that you ESCULATE THIS TOO THE US ATTY GENERAL OFFICE and get a stay from any further procedings IF SPS refuses too file motion to dismiss voluntarily. 
This is insane and CAN NOT BE ALLOWED.Im aware that they r under FEDERAL INVESTIGATION. 
Please ESCUALTE AND STOP 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 2022-08-30
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased an abandoned home in XXXX and I have not missed a payment. The bank that owns the loan is Banco Popular de Puerto Rico. I remodeled it to be my home ( therefore it increased its value significantly ) and recently made a large payment to the principal balance of my loan. I qualify to request the cancellation of the mortgage insurance, which I did in XX/XX/XXXX ( confirmation # XXXX ). The application was supposed to be answered by XX/XX/XXXX, but the bank requested 15 additional days.That extension expired on XX/XX/XXXX. Two appraisals have been made. The bank has still not answered my application, and indeed after my complain to the bank they assigned a new confirmation number to my application, and are now telling me they have another 30 days to answer my request ( confirmation # XXXX ). The bank only tells me that it is the " investor '' ( which is XXXX XXXX  ) who has not completed the process. In the meantime, they are forcing me to pay a monthly fee for an insurance I don't need ; and I qualify for its elimination according to the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I paid off my CitiMortgage per their records on XX/XX/XXXX. They apparently waited to XX/XX/XXXX to forward to local county to have satisfied. I 'm told Citi used a 3rd party to do this. No one could tell me why it took a month to forward. I next called the County and they told me the docs were returned to the 3rd party on request of Citi. It is now XX/XX/XXXX - my 3rd phone call and I have NO documentation that it was satisfied. I paid all those fees. This is a big deal after so many years and I want my original mortgage and note - marked cancelled - which is a common practice. I worked in Mortgage Servicing for a LARGE bank for 10 years, I know this is something that can be done. They want to send me an email!! I want my original documents that we signed - we want to retire and I want to surprise my husband that it is paid off and have a party. This is not too much to ask after paying 30 years for a mortgage. Now it needs to be sent to another location and they wo n't even listen to me. Why do we pay all these fees for satisfaction and recording and we get nothing.

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 2017-08-26
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Heartland ESCI charges for all payments except for AutoPay. It is a {$2.00} charge to pay online and a {$10.00} charge to pay over the phone. These fees are excessive and unfair. You should not have to pay a fee to pay your bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Your Agency is violating my rights under 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. this report is not accurate

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