BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I submitted complaint XXXX XXXX XXXX. I received this complaint closure letter today ( XXXX XXXX ) with the following text : 'We reviewed the complaint you submitted to us on XXXX XXXX, 2015. Although complaints can be submitted on behalf of others, the bank has indicated that it is unable to process the complaint without authorization from the consumer. No further action will be taken on this complaint. The consumer can submit a complaint on their own behalf by contacting us ' This makes no sense. I AM the consumer and I filed the complaint. Since filing the initial complaint, Diner 's Club has closed my account in retaliation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: OH
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:
My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of the injunction or order.

I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : 1. XXXX XXXXXXXX XXXX XXXX XXXX - This account was paid in full 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX - This account was paid in full 4. XXXX XXXX - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I HAVE NEVER HAD SERVICE WITH XXXX, NOR HAVE I EVER SPOKEN TO XXXX IN REGARDS TO AN ACCOUNT, AND HAVE NOT RESPONDED TO VALIDATION OF DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: FL
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've been tryin to remove incorrect information from my report over a year now. 
I have account XXXX on my report that shows : First of all, the dates of an activity are years apart. Equifax shows XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Based on above information, XXXX of the dates XXXX be correct, but XXXX others obviously not. Or maybe all XXXX are incorrect. This information is inaccurate and violates my rights. 
Second, if the dates of a last activity are XXXX and XXXX then how is possible that on XX/XX/XXXX XXXX reported positive activity? 
XXXX did not delete this mistake when I was trying to solve it last year. Instead they asked me to contact creditor. 
I did contact the creditor and haven't received any proving information from them. 
Last time I sent letter to XXXX in XXXX and they haven't responded ( see attached Return Receipt ). 
So now I'm being kicked from one to another wasting my time and nerves. 
I need a help of authorities in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from XXXX XXXX XXXX. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.

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 2016-12-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
As I anticipated, BMO Harris Bank added a late fee to my bill this month. My mother called on XX/XX/XXXX to make payment for me and they were going to add a XXXX charge for paying over the phone. There is also a charge to pay online. They told her the only way they would not charge was if she sent a check. So she did send a check that day for the payment amount. I kept checking online to see if the check had been applied to my account but it was taking longer than I thought. My mom said the money was still in her account as well. I kept trying to get in contact with BMO as I anticipated they would add a late fee if the payment was not made by XX/XX/XXXX. The check definitely arrived by XX/XX/XXXX as it was sent first class normal mail. That never takes longer than a few days. BMO decided to add a late charge anyway. This is not right. They want to charge people to pay them no matter how people decide to do it - whether the service fee for over the phone or via internet, or whether a late fee for sending a check. In addition, now it says my account is in default when it really was not. This sets me back from being able to get online access even more. These are absurd practices done by a giant corporation trying to take advantage of the little guy.

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 2016-07-06
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a loan with vanderbilt finance company. It was a mortgage for a mobile home. It was foreclosed and I settled with them XX/XX/2015. I was told that Vanderbilt would correct the information on the credit bureaus immediately. I was recently declined for a loan because Vanderbilt is still reporting an active judgment against me. Again, I settled with them XX/XX/XXXX. I was given the name of the one person who was able to help me with this matter and his extension. I have called and left him 6 messages over the course of two weeks. He has not called me back. I let him know in my message today that I would be contacting the CFPB for help if he did not respond to me by EOD today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a copy of my consumer report from XXXX, XXXX XXXX XXXX and seen that Comenity Capital Bank is furnishing inaccurate late payments on my consumer report causing me to be denied credit for personal, family and household use. 


Pursuant to 15 USC 1666b - A creditor ( Comenity Capital Bank ) may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After being denied a modification, out of the blue onXX/XX/XXXX, I got a message stating I picked a post pandemic solution and it could take up to 30 days to process. Various messages said that the solution requested was a modification and that I could check its status. Also messages indicated someone would contact me within 2-3 days of XX/XX/XXXX + XXXX XXXXNO CONTACT! Its been 2 months and my request is still being processed???? I never picked a post pandemic solution-do n't know if they picked it for me or they are just jerking me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 a with CREDIT ACCEPTANCE CORPORATION customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XX/XX/XXXX and XXXX XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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 XXXXXXXX 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 2020-12-10
Company: Experian Information Solutions Inc.
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:
On XX/XX/17 I received a loan with a finance company XXXX  XXXX, my loan amount and length of agreement were {$410.00} for 35 months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid

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 2020-12-10
Company: Experian Information Solutions Inc.
State: NY
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:
Your response was unsatisfactory and goes against my rights under the Fair Credit reporting act. I am disputing my own information on my credit report and I have attached the necessary documents to confirm my identity. Stop the the XXXX. I am fed up! There are fraudulent accounts reporting on my credit report. I have submitted a complaint with the Federal Trade Commission. The report is attached. Under section 605 of the Fair credit reporting act, these accounts need to be removed with 4 business days of your reciept of my dispute.

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 2020-03-04
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to Shellpoint in XX/XX/XXXX and they said that my insurance had been cancelled which was not true. I sent them proof on insurance from XX/XX/XXXX forward which showed insurance was never cancelled. Then they sent me second letter dated XX/XX/XXXX which I received XX/XX/XXXX that said I did not show coverage for the month of XX/XX/XXXX ( letter attached ) so they would place insurance for that 1 month and charge me {$77.00} I immediately emailed them proof of insurance for the month of XX/XX/XXXX. ( see attached email and proof of insurance for the month of XXXX XXXX ). But as you can see from the last letter they are charging me the insurance premium of {$77.00} for the month of XX/XX/XXXX anyway. I have made a number of calls to them and this has not been resolved. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The 3 Credit Bureaus are reporting inaccurate information on SOUTHWEST CREDIT SYSTEMS. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST correct or remove this immediately, I don't think this collection is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Avant Credit Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
While trying to reset my password, the website attempted to request additional credit without my permission. I then found a hard inquiry on my credit report. After bringing the issue to the attention of the company, they refuse to acknowledge that there is an inquiry on my credit and continue to send me the same responses. I have sent photos to them, but they still respond with the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: ID Analytics, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am making this complaint to get false negative items removed from my credit report by the XXXX credit bureaus ; XXXX, XXXX, XXXX. During the month of XX/XX/2019 and XX/XX/2019, On my credit report there were delinquent late payments recorded on my credit report from XXXX XXXX. I have contacted each of the XXXX main credit bureaus with no response from either company. I need these negative items removed from my report immediately. Also, I had contacted XXXX XXXX  to remove these false negative items from my report. Recently they had contacted me back stating they would contact the credit bureaus to remove these from my reports. Although, I have not heard from them ever since then. Can you please aid me with this and contact XXXX, XXXX, and XXXX to remove this from my account? Attached now is the letter from XXXX XXXX  stating that they would remove these negative items. Can you please contact them and have these removed. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Genesis FS Card Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Genesis FS Card services through XXXX XXXX immediately starts calling XXXX XXXX  when you are past due on your payment. They call from a bunch of random numbers. They call as early as XXXX AM and as late as XXXX PM. They call at least XXXX times a day. They are calling my business line and my personal line. They call so much they are knocking important numbers out of my phone that I barely get a chance to save. NONE of my creditors call 1 day past due. XXXX days I get that. But as much as they call. I block numbers and they call from other numbers. They will even call from a number thats in the area you live in to try to get you to answer a call. XXXX over sick of this. I am currently 5 days passed my due date and they have called at least XXXX times already. I will never ever do XXXX with any of these XXXX  again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2018 -Bronstein & Weiss contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called Bronstein & Weiss -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -Bronstein & Weiss contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted Bronstein & Weiss -I  requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-04
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Om XX/XX/XXXX, I went to my local bank branch, PNC at XXXX XXXX XXXX, XXXX, NC XXXX. I needed documents from an account I recently closed in XX/XX/2019. The account number ends in XXXX. 

I asked for documents and records from this account. I was told that the Manager of the branch stated that I could not access any documents or information from this account because the account was closed in XX/XX/2019. I also asked for an authorization form so that I could give a 3rd party access to this account and permission to speak with bank representatives on my behalf. I was told there was no way I could give PNC permission to release information to a 3rd party and that a 3rd party would have to subpoena such information.

My son who has my Power of Attorney also asked for the information about this account and he was also refused. He was told that the Power of Attorney needed to be reviewed by the legal department even though it was recorded at the register of deeds office on XX/XX/2019. 

I do not understand why I can not get access to my own account, even though it was closed a few months ago. I do not understand why I can not give permission to a 3rd party to access account information. I do have another active account at PNC.

Company response to consumer: Closed with explanation