BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
HI, I AM XXXX XXXX HOMEOWNER XXXX XXXX XXXX XXXX XXXX NY XXXX HAVE : SATISFACTION OF MORTGAGE DOC. ID XXXX XXXX AND PRINCIPAL {$50000.00} MORTGAGE made by XXXX XXXX I HAVE DEED XXXX date ; XX/XX/XXXX XX/XX/XXXX I send shellpoint mortgage servicing {$6500.00} check number XXXX XX/XX/XXXX I SEND {$5000.00} FROM XXXX COMMISSIONER OF SOCIAL SERVICES TO ESCROW # XXXX in SHELLPOINT Mortgage Servicing tel ( XXXX ) XXXX I NEED MY MOHEY BACK AND MY RESIDENTION HOUSE XXXX XXXX XXXX  XXXX XX/XX/XXXX Shellpoint Mortgage Servicing sell my house to XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
( Related to FTC XXXX on XXXX for which Target Card suddenly stopped working at store and transactions were not visible on the website. On XXXX, XXXX XXXX was filed as Target Card refused to reach out to XXXX despite having started the claim. XXXX on XXXX for Target/TD-Bank preventing automated activation ). 
On XXXX, XXXX at XXXX XXXX was used to try and activate the additional cards on the accounts. These activations failed on both website and via phone call. COMPLAINTANT prefers to get these activated without contacting customer service as COMPLAINTANT entered the numbers exactly the way they were printed on the card. COMPLAINTANT wonders if Target/TD-bank has call/email/case records of other users having the same problem. 
On XXXX, COMPLAINTANT called XXXX at XXXX XXXX to activate the card. Automated means through website and automated call have failed during the call, however, the representative was able to activate the card. At XXXX XXXX, COMPLAINTANT called again to retrieve the PIN as previous representative omitted the PIN setup procedure. Had COMPLAINTANT been able to activate the card all on his own through automated means, he would not have had to call again nor attempt to reset via the Target website. COMPLAINTANT is perplexed as to why both representatives who ( 1 ) activated the card and ( 2 ) denied having access to PIN, refused/forgot to mention any PIN reset functionality of the website during the call. COMPLAINTANT wonders why Target employees/system have to create these situation artificially in such a way, so that they can deny ( a ) having access to COMPLAINTANT 's PIN nor ( b ) trying to harass him in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Marlette Funding, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Mislead by the terms of Best Egg and XXXX all the information was falsely given about the terms and late fees its predatory calls against A XXXX women they treated me so bad.. I lost my job due to COVID -19 please please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am a victim of identity theft! Please remove these inaccurate accounts immediately. I did not authorize these accounts. I'm unable to get a job in the career I worked hard for. This is starting effect my goals with purchasing a home and effecting what I'm able to do and provide for my family and as I have a baby on the way. This is defamation of character.

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 2019-11-23
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/21 I signed into the website to make a payment. It was so stressful then by the time I got signed in it wouldnt take my payment. So I called them. Well since they recently sold my loan to another company it was too new of an account so thats why it wouldnt allow me to. Then they wanted to charge XXXX $ to take the payment over the phone and XXXX  $ thru the on- line system. This is not right! I didnt pay it I went to the post office and sent a money order because they said my online bill pay from my bank could get lost in the mail and to send a regular check, which that makes no sense! Still cost me just as much because I needed delivery confirmation! Its very stressful! I bought Money order too because I wasnt about to send a personal check to get lost

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: CA
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:
There is a discover account on my Equifax report that was opened fraudulently. XXXX and XXXX have already blocked this account but Equifax has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: GA
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 several times to have the information for XXXX XXXX XXXX XXXX on my credit report adjusted to reflect accurate payment history and Equifax has repeatedly failed to do so. Most recently they deleted all positive Payment history on one account in what seems like an intentional act to show only negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My information has been compromised and I believe it is from the Equifax data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
State: OR
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: Investigation took more than 30 days

Complaint:
I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
submitted dispute, requested documentation and received none as to the verification of disputed accounts, contacted the collection agencies to request documentation, collection agency could not or would not comply with request for documentation related to accounts, reported this to Experian, derogatory still active on report. 3 months later try to request another dispute thru Experian and am told I cant dispute an item I disputed before, no where in the FCRA regulations does it say I'm limited to the amount of times I can dispute an item on my report. I have screen shots of me trying to dispute items on my Experian report and it telling me Sorry you cant dispute an item you have previously disputed 3 months ago or for any time before.

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 2022-01-29
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX, I made excess contributions to my XXXX account at XXXX. Early in XXXX prior to the tax return due date for XXXX, I requested a withdrawal of the excess contributions made in the XXXX tax year ; this was processed on XX/XX/XXXX. The form they provided for requesting this return had no way to indicate which tax year the withdrawal was for, and they attributed this withdrawal to the XXXX tax year instead. I mailed this form prior to making any contributions for the XXXX tax year ( with the exception of some contributions incorrectly applied to the XXXX tax year which were subsequently reversed ). 

Upon contacting them today ( XX/XX/XXXX ) immediately upon receiving my tax forms from them, they indicated that XXXX excess contribution withdrawals are always applied to the current tax year, which is incorrect, and refused to correct the tax year for this entry. This resulted in my tax liability increasing by {$7.00}. 

Please see attached : XXXX. 2021 year tax forms from XXXX. Note that a line item is available for " Excess contributions plus earnings for the XXXX tax year that were withdrawn in XXXX '', but the withdrawal is incorrectly categorized under " Excess contributions plus earnings for the XXXX tax year that were withdrawn in XXXX '' XXXX. Statement listing excess contribution withdrawal, with no indication as to which tax year it was applied to XXXX. Excess contribution removal request form, with no way to indicate the tax year it applies to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email XX/XX/XXXX at XXXX XXXX saying my new Frost Bank account has been approved. 
I Bank with XXXX XXXX, and have since XXXX. 
I've contacted the bank this morning and closed the account. 
I was instructed by the bank to file a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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: Account information incorrect

Complaint:
I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}

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 explanation
Consumer complaint received 2017-07-20
Company: LoanCare, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I refinanced my rental home and my loan was sold to Loan Care on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, Loan Care placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.

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 2018-12-01
Company: BARCLAYS BANK DELAWARE
State: SC
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:
They continue to report the information on my credit report incorrectly - I have reached out to them and all three credit bureaus on at 3 occasions via certified letter return receipt and they refuse or choose to not even respond. I believe this is due to religious discrimination so I am now reaching out to you to have them correct my three credit reports and report the account as current as I am disputing the reporting as being inaccurate according to my records.

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 2017-07-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX never sent me notice of this debt, and never gave me an opportunity to discuss or dispute the debt. Instead, they reported a debt to my credit report and sent the file to an attorney named XXXX XXXX, XXXX. This attorney then filed suit on me and had me served. I never knew the debt was in collections. After being served, I made contact and paid the debt through the office of XXXX XXXX, XXXX. I have requested that the collection account be removed from my credit report, and have been told that this is not a resolution they offer. I want XXXX XXXX to delete the account from my credit since it is paid. I will also begin contact with my State Attorney General 's office and will potentially sue this company for their business practices. Additionally, the " original debt '' was from a XXXX XXXX XXXX. This " bank '' reported the account to my credit as well. Both XXXX XXXX and XXXX XXXX XXXX are owned by the same company, and should not be able to report 2 separate entries for 1 single debt. I will also be filing  complaints and potential suits against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CORELOGIC INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I am submitting this complaint without error or influence of any third party agencies.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted dispute letters to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the account : XXXX XXXX XXXX XXXX Late Date 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 2022-08-17
Company: EQUIFAX, INC.
State: IL
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:
The Credit bureaus stated my account was properly investigated. In which I have the First file number of XXXX issued of XX/XX/2022 which it stated information removed but it still shows on my credit report, and have pictures that it is still there. The Second investigation with all 3 Credit bureaus are ridiculous and I will be pushing forward to get these violation looked at by my lawyer. If you review my credit report in which I have a copy of there are numerous of violations with inaccurate information alone. If the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate how is that a proper investigation? Also that violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. This is not right to privacy especially with inaccurate information.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My university email server was hacked and emailed me a job opportunity saying apply now. I thought I was hired as an administrative assistant and was told my task was to purchase toys for an orphanange and mail them. I was sent XXXX checks to pay for this and was told to send XXXX to the orphanange. I quickly learned that this was a scam and cancelled the checks. Instead of being given a list for toys and such I was only told to handle money. I alerted BANK OF AMERICA of this and quickly placed a stop on these checks. BOA told me they would dispute and investigate the XXXX transactions and attempt to recover my funds and that it would take up to 45 days. XXXX days later I called to update BOA with a police case number for the investigation and was told the claim was denied and I would not be reimbursed. They also told me XXXX transactions are never investigated. I asked why I was told it would be investigated to begin with and all they could say was sorry and that they would not reimburse the funds regardless of fraud or scam. I explained that I was told their would be an investigation and that I was lied to and passified. They did not care, nor was there person higher in the chain of command to speak to. This is so demoralizing and frustrating. If there was never going to be an investigation why was I told there would be? Very distasteful and I have lost my trust with BOA and their standards of practice. In fact, BOA has still not sent an email stating anything or updating me about my claim even though in their system it has been denied XXXX ago. This is the same thing as fraud. Lying is fraud and scamming. I should have been informed the day I called to file this fraud claim that XXXX transactions are never investigated. This has caused me to relive a horror that could have been avoided. Lying to me and saying there would be an investigation when there never was is cruel. I have lost complete trust in this bank and will be taking my funds and banking elsewhere.

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 2016-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax continues to report obvious erroneous information on my credit report after XXXX investigations on the issue and one CFPB complaint.So XXXX account XXXX reported yesterday at conclusion of investigation # XXXX a dofd of XXXX and on the same item, report a 120 day late on XXXX in the account history.Also reported on this monthly bill is a last payment of XXXX which would correspond to a dofd of XXXX. 
Equifax has repeatedly reported obvious errors '' on the face of the record '' with regard to this creditor who " re-ages the account '' which denotes strict liability for this illegal practice according to FCRA FOR BOTH EQUIFAX AND THE CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been in contact with company since XXXX of 2022, company was supposed to remove late payment from credit report when account was in current. Account is current and still reporting late information.

Company response to consumer: Closed with explanation