BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-30
Company: BANK OF THE WEST
State: CO
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:
MASTERCARD STANDARD XXXX Current Balance : {$9.00} Credit available : {$250.00} out of {$300.00} I am having a constant problem with the bank of the west credit card secured I am not given ample time to pay because of their reporting system is lagged behind this is effecting the credit report that is allocated to this card.

i need some information or maybe the ability to pay this card as i am not even able to use this card a week before the date of bill arrives they do not give me an option to overpay or to pay the credit limits difference just the bill that is updated on a daily basis, however the credit is as you can see below the 300 mark is there someway that is can be resolved

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 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with  XXXX , TransUnion, and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian, 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 explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/22 fraudulent unauthorized inquiry by XXXX 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 explanation
Consumer complaint received 2016-03-02
Company: Credit Protection Association, L.P.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX cable has sent me to collection for {$210.00} i was sent to credit protection association XXXX account # XXXX. they where informed this is a legal dispute and there is no debt owed. I am seeking damages due to poor quality service provided and network outages has resulted in a loss of trading profit of {$4900.00}. i do not owe them nothing for poor quality service provided. so i hear by now dispute this debt with you also. i have disputed this debt with the collection agency and XXXX personal and they keep on trying to collect. the damaged out way the debt. so this debt was paid when the damages out ways the debt.

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 2016-09-20
Company: Servis One, Inc., Titusville, PA Branch
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Demand Draft Fraud : To the XXXX I do believe that BSI Financial Services Inc. Has committed draft fraud, the company perform an unauthorized debiting of money from my checking account, through demand drafts they made it possible in stealing money from me. 
Arrangements was made for recurring payments of a certain amount to be withdrawn automatically from my checking accounts. The surprise I got was that withdrawals of a different amount was done with no prior written authorization no verifiable authorization before the demand draft was submitted for payment. 
As a condition set forth in my mortgage note indicates funds will be withdrawn to cover the monthly mortgage note ; the number of draft payments authorized, a written confirmation method was used, in the event the draft was inadequate or incorrect BSI fails to obtain an express verifiable authorization for additional funds. 
BSI Financial Services should be liable for civil penalties per this violation of money obtained in violation of the draft fraud. 
On XXXX XXXX, 1996, the Commission filed an enforcement action in the XXXX XXXX for the XXXX XXXX XXXX Georgia against a cluster of allegedly fraudulent sellers of magazine subscriptions who had used demand drafts in violation of Rule. ( XXXX XXXX This was the first action filed under the XXXX. 
I consider myself a victim of demand draft fraud, upon learning of the unauthorized demand draft amount against my checking accounts which was not authorized that is inconsistent in any way with any authorization that was given the rights to increase their payments by means of a demand draft correction. 
I am reporting this incident of misrepresentation, fraud, and theft regarding this demand drafts to my state Attorney General for enforcement action. As a result to my injury resulting from the demand draft fraud exceed over two hundred dollars. 
Sincerely, 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 2016-02-15
Company: Credit Protection Association, L.P.
State: NY
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:
I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM.

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 2020-04-01
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started the process to remove the PMI in XX/XX/XXXX. Even I explained them that I want to know how much I need to pay to drops my loan to 78 %, they send me the same letter over and over again for 3 months. Because I never received an answer, in XX/XX/XXXX, I paid to the principal {$9800.00} to drop my LTV to 78 %. I calculated the LTV using the original value of the house and the loan I bought the house for {$250000.00} and my loan now is {$190000.00}. Now they send me a letter : " Please be advised, your PMI will automatically terminate when the loan-to-value ( LTV ) ratio reaches 78 % of the original value of the residence, which is in XX/XX/XXXX. The automatic termination date is based solely on the original amortization of the loan. '' This mean that it is automatic termination in this date does not matter if I paid the 78 % before of this day. They don't care 78 % they just follow the date XX/XX/XXXX. 

In the same letter : " For a borrower who has initiated cancellation, the Homeowners Protection Act ( HPA ) provides that, if the borrower meets certain  requirements, then PMI shall be cancelled on the date when the principal balance reaches 80 % of the original value. Currently the original LTV is at 82.1 %. '' How did they calculate the LTV?. They may be used another original value of the house. I'm in this process for 4 months, and I don't know what to do? they don't communicate with me. 

XXXX XXXX XXXX ID : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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: Reporting company used your report improperly

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

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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX address are not mine : XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I filed BKXXXX on an acct. They previously put a lien on the property. I contacted the debt collection attorney office. Nobody wants to return my call and They say nobody is authorize to give me an acct number or name of the creditor. They keep referring me over to somebody who does n't want to call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive calls for a debt that I do not recognize and do not think is mine. When I ask on the phone for more information on the debt, for example origin, amount, or name and address of the collection agency on the phone with me, I am stone walled. When I ask for written proof of the debt, I have received nothing. 

But these calls persist. Every few months there will be a flurry of activity and calls, then it will go silent. This has been going on for about 8 years now. Ca n't I make these calls stop?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: FL
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 reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: USCB Corporation
State: OH
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent/instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2015-04-02
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is serviced by Greentree Servicing. I pay my mortgage twice a month- one-half on the XXXX of the month before it is due, and one-half on the first, when it is due. Greentree has several times applied the mid-month payment to the principal of my mortgage instead of treating it like a payment, and then they consider me delinquent on my payments. They then start calling me about payment, and sometimes those calls are incredibly offensive, with nasty people treating me like a deadbeat and asking if they should start foreclosure, etc. When I call them back they see that I have been paying like clockwork and the get my account straightened out and do n't charge any late fees. 

This happened again XX/XX/XXXX, but I missed the error until recently, when I noticed that the statements were more in error than they normally are ( there are always XXXX differing sources of the status of my account- the mailed statement, which is always in error, the amount given in a voicemail from some Greentree person dunning me for a payment I do n't owe, the amount given by their phone system when I call them, and the amount given by a live person when I call ). This time when I called they said that because the year end had passed they could not fix the error, meaning that I had to come up with an extra half-month 's payment in order to get my account current. I then spoke to a supervisor who verified that there was nothing they could do. She also said that by default whenever they get a payment that is not exactly what the monthly payment is, it gets applied to the mortgage principal instead of being credited as a payment. 

I believe this is a predatory practice conducted by Greentree, the intent of which is to increase income from late fees. This practice needs to be investigated and either federal or state authorities need to order Greentree to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other

Complaint:
I have had my cell phone number for 5+ yrs and suddenly started to get collection calls for someone I do not know. At first I was understanding and simply notified Barclay 's card XXXX that they had wrong number and to update and remove my number. Barclay 's card of XXXX always say they will comply with my request to remove my number and stop calling me. I currently get calls from Barclay 's every other day and I receive harassment regularly. I had to threaten FTC involvement just to get them to tell me who they are. they then told me they wo n't stop because they use auto dialer. I have received over 30 calls from them and asked to be left alone, however, they say that they will not stop because they do n't have my number as a primary number. They advised me that the unwanted calls will continue even through they acknowledge that they are calling the wrong person. This is incredible to me.CAN SOMEBODY PLEASE GET BARCLAY 'S CARD USA TO STOP CALLING MY PHONE AT XXXX AND THROUGHOUT THE DAY LOOKING FOR SOMEONE I DO NOT KNOW? 
I ca n't understand why they have a policy of refusing to identify themselves unless threatened with legal action. And i thought auto dialers were illegal in California? I ca n't understand how Barclay 's Card XXXX would tell me that they wo n't stop calling me because they ca n't find my account ( I NEVER HAD XXXX ) and this is somehow my fault this issue is happening. 
I really need help here ... .30+ calls and counting up to and including as i am writing this letter with them saying they wo n't stop is unacceptable harassment.

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 2018-01-08
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX XXXX XXXX child with XXXX XXXX XXXX XXXX, and Great Lakes Student Loans. 

To XXXX XXXX XXXX XXXX i owe - {$23000.00} To Great Lakes Student Loans i owe - {$49000.00} This was all for a XXXX XXXX XXXX no one will even look at because it says XXXX on it. Please help i am getting physically ill from the stress of dealing with these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date opened : XX/XX/XXXX Last date reported : XX/XX/XXXX Balance : {$190.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a letter to XXXX to REMOVE XXXX collection 's that have been paid from my report from Consolidated Recovery because they are not licensed in the state of Tennessee. But the items were not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian & XXXX  is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent XXXX  dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian  ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter

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 2022-09-03
Company: Experian Information Solutions 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 disputed these items for being reported invalid and demanded them to be removed for being inaccurate. I understand that inaccurate reporting is illegal and should be removed

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed these items for being reported invalid and demanded them to be removed for being inaccurate. I understand that inaccurate reporting is illegal and should be removed

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 2015-04-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation