BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: MN
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:
After a 30 day late payment last XXXX, XXXX XXXX XXXX continually updates the loan balance incorrectly. I have disputed the incorrect balance with the mortgage company, and with all 3 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 2018-06-08
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : -30 Day Late -XX/XX/XXXXXXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NY
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 to the Fair Credit Reporting act XXXX  account XXXX XXXX has violated my rights. 

15. U.S.C 1681 Section 602 A States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 Also states a. consumer reporting agency can not furnish an account without my written construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: GA
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX XXXXXXXX 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 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 2022-01-04
Company: MidAmerica Mortgage Inc
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved a for a trial modification with Mid America mortgage on XX/XX/XXXX ( see attached documents ) I agreed to the terms and made all payments as required to do so on this 3 month trial modification. After making the 3rd payment as stated on the agreement Mid America Mortgage was to send out the permanent loan modification documents which had to be signed and notarized. In XXXX of XXXX after making my last trial payment I called Mid America several times to ask about the finalized documents and they stated they where working on the documents. It took Mid America mortgage almost 18 months to get the documents out to me. Once I received them I notarized and returned them using Mid Americas prepaid Fed envelope. When Mid America received them they advised me they needed my Ex XXXX to sign the documents as well, I advised Mid America XXXX my ex is not on the loan and is not on title she should have to sign them since I am the only one on the loan and title. So because of this Mid America did not accept my documents and had me resign them, this took a few months to get the documents out to me, once I received the new package my ex XXXX and I signed the documents and Fed ex them once again to Mid America, ( Tracking # XXXX ) TRACKING NUMBER DELIVERY XX/XX/XXXX at XXXX XXXX ) after I calling them weekly for document acknowledgment, they claim to have lost them. Now they wont allow me to reapply and have set a foreclosure on my home for XX/XX/XXXX and refuse to stop it even though I complied with the 3 payments as directed and even continued for over 18 months with no closure on there end. I have attached all documents showing proof of my complaint. We also submitted for help in XXXX but Mid America mortgage refuses to acknowledge the documents I sent them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was first notified about two months ago from my bank, XXXX XXXX, that someone had tried to open an account in my name but they did not allow them to do so. Today, I found out that someone had fraudulently opened an account with TD Bank. I contacted customer service and they told me they would close the account. My credit has been frozen for years but they said they didnt run it when you apply online for accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
my mother in law ( shes XXXX, & XXXX recently diagnosed ) opened an account around XX/XX/XXXX.it had a {$9600.00} limit, she had excellent credit her entire life ( she is a retired accountant ) anyways, they mailed the card, she activated it, used it a couple times and the company contacted her for proof of her identity via documents fax/mail.this was in may.all together we have faxed the documents at least 4 times, they have been mailed just as many, and she has continioisly been told the account was frozen.havent been able to do anything with it, they still ak for her documentation.well they sent a statement and there are charges made on the account ,1 in XX/XX/XXXX and 1 in XX/XX/XXXX.maybe a {$90.00} total, but how is it even a charge if the account is frozen. 
she depends on her credit cards to survive and this happening in XX/XX/XXXX has caused a snowball of downward domino effect thing.cell phone is disconnected.her lights and water will be turned off today or tomorrow.we have had to get help from family and friends just to get her pull ups, and I ont mention she has no groceries in her house. 
her credit score is now XXXX.we cant even get her a consolidation loan because of the recent negative marks on her report. 
yeah all her accounts are behind, but look at her entire history, this woman has never once been late on anything.its very obvious in the last 9 months to a year just thru her finances, that something was wrong.please help me ... .PLEASE??? I live in the home with her, my husband ( her son ), and my XXXX teenage kids.i do n't know what else to do. 
as for contact with the card company they told me I would have to wait and talk to a manager and that would be when they could return my call.why cant they just unfreeze the account and fix what was done and that will be that?

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 2023-02-06
Company: FIRST HAWAIIAN, INC.
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
First Hawaiian Bank either lazy or not willing to release the money to XXXX XXXX XXXX in XXXX. See attachment for detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 )  which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX and XXXX, XXXX '' hereinafter referred to as " the Debt Collection LLC '' is a debt collector. On behalf of the Debt Collection LLC, debt collector XXXX XXXX. XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of Capital One Bank ( USA ) N.A. hereinafter referred to as " the Bank '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the Bank, I was served a summons by the XXXX County Sheriff 's Department who collects debts as a third party on behalf of XXXX County Superior and State Courts hereinafter referred to as " the Debt Collection Courts ''. On behalf of the Debt Collection Courts and the Bank, the service of summons by the XXXX County Sheriff 's Department was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the Debt Collection Courts, The XXXX County Sheriff 's Department violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Capital One Bank ( USA ) N.A. ( the Bank ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Io, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received my credit report where I saw this debt was listed. I had no knowledge of this account ever existing. In an attempt, to resolve this matter quickly and restore my good credit report, I contacted the company via written communication and offered to settle this debt, and in exchange they would remove this account, that does not belong to me, from all of my credit reports within 15 days. In addition to this written correspondence, the company also received a check to settle the account in full, under the terms that all info related to this account would be deleted from all credit reporting agencies. The check to settle this account was cashed on   XXXX   XXXX   XXXX    , but the account remains on my reports.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: CT
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 made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and im uploading this ) you can see THEIR own system says thats not true!!!

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 2021-12-16
Company: EQUIFAX, INC.
State: CT
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 made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and XXXX uploading this ) you can see THEIR own system says thats not true!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
This issue is against BMW Financial. My daughter has moved out and she does not need the car so I requested a lease end option as I am already struggling with finances. My husband took early retirement due to XXXX XXXX so he lives in meager XXXX XXXXunds. I called BMW and explained the situation so they offered to buy the car and BMW sent an inspector who sent in the results and BMW informed us by phone that the car will sell for more so we only owe the disposition fee of {$350.00}. When they sent the offer letter they sent it to an account other than mine but to my daughter 's email. It should have gone through MYBMW secure center. They never sent any letter regarding the offer to my email address which is on the file as the main account holder email. As a result, I received the letter late from my daughter. She assumed I had the letter too as the loan is under my name. BMW changes its statements every day. They either tell my daughter, is authorized and another day, they tell her she is not authorized. I have added her 5 times. They use her whenever it is convenient.This time, they did not send me the offer letter to my email or my secure BMW account and because of that confusion, the offer expired. when I called them to resent it, they came back with an offer to pay off with that {$7000.00} payment. They told me the other offer expired. I told them that I never received the letter. They refuse to go back and honor the same offer as I never received the letter on time. They told me to always write through my BMW secure center, yet they do not practice that rule. They are sending emails all over. They told me that my daughter asked to send the email there but I told them you should still send it to me as we are never sure if she is on or not. When you call to confirm, they use my email as the email confirmation yet they break their own rule to send an offer letter to her and to the main account holder. For the last 8 month, every day, it is a different issue. They never write back. Today I talked to a supervisor and complained that why do n't BMW use MY BMW secure center as all lending organizations so today she listened to me and just she sent me another letter. Now she is telling me to pay the whole residual of {$42000.00}. All calls we make are recorded an on the account so you will understand my struggle. They never write but say things over the phone. They can erase records to control themselves.Is there any solace for the customer. My dispute is-I want the same offer letter to be sent to me via the correct email account which is mine. They confirmed my email account many times and yet decide to use my daughters for the offer letter. 
Is n't this unfair, deceptive practices?? 
Thank you XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit 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 XXXX, 2021 I received two phone calls saying I charged {$3000.00} to an unknown account. They referred to my Amazon Prime account. I called Amazon and my account is secure the two phone numbers were XXXX then XXXX I have blocked both phone numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: INVESTORS BANK
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX I had Investor 's Bank, XXXX XXXX, N.J. withdraw {$6400.00} from my savings account and make a certified check out to XXXX XXXX Visa. XXXX claims this check was never received and is now missing for over 5 weeks. Investor 's REFUSES to put a STOP payment on this check UNLESS XXXX signs a form saying it wasn't received. XXXX customer service told Investor 's Bank manager XXXX XXXX they WILL NOT SIGN ANY FORMS. INVESTORS now refuses to put a stop on this certified check and reimburse my account. I want a stop payment put on this " missing '' {$6400.00} check and my account reimbursed ( I will do an electronic transfer in the future ). 

XXXX XXXX Investors Bank. XXXX XXXX ( tel. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: OK
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 have submitted disputes ( with documentation ) about old negative information showing up on my credit report. I submitted the dispute in 2016, and again on XX/XX/XXXX, - Experian refuses to remove it. So today XX/XX/XXXX I once again disputed it. XXXX XXXX  XXXX XXXX provided me documentation showing I paid a loan off, and Experian refuses to remove the negative information. XXXX XXXX says they can not remove it, that its Experians responsibility to remove it.

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 2019-12-23
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EOS CCA is reporting a collection as though it just occurred and that is not the case. There has been no service with XXXX for several years. They are reporting this as a very new account. It passes from once collection agency to another and each report it as a brand new date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased a {$100.00} VANILLA VISA GIFT CARD for my friend 's birthday and when I mailed it to her it was destroyed in the postal system and all she received was a piece of the mailing envelope in a clear plastic post office bag. The birthday card and the {$100.00} Vanilla VISA Gift Card were never received. I went back to the XXXX XXXX where I purchased the card and they retrieved the Serial Number of the card from their internal computer system. The card was issued by XXXX XXXX and is serviced by InComm Financial Services , Inc . I telephoned the number listed on the packaging XXXX and they issued case number XXXX to me after verifying the card had not been used and asked that I send a government id such as my driver 's license to verify my address. I sent them a copy of my license to a number they initially provided.to me at XXXX. After waiting two weeks and never receiving a replacement card I telephoned back and learned that the fax number provided to me by their employee was wrong so I re-faxed my license to a new number they provided XXXX on XX/XX/2019. After waiting weeks again I telephoned back and they said they now want a copy of a recent utility bill not over three months old to verify my address. I advised them my current license was verification they originally said i could send.

Company response to consumer: Closed with explanation