BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: Porania, LLC
State: MS
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:
XXXX XXXXXXXX - no mine, never used , never applied for .

Company response to consumer: Untimely response
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My loan with Bank of American was in forbearance due to Covid. I didn't pay 4 months due to my loss of income during covid. I resumed paying the monthly dues after 4 mos but the 4 months behind I wasn't able to pay. BofA charged me fees ( miscellaneous ) for a total of {$560.00}. When I called them what those charges are for they told me it's for " they pay somebody every month to come & pass by the house to check if I'm living in the house ''. This was just so ridiculous. I can't believe. I asked their Customer Service if they do that to everybody who are in forbearance, she said " yes ''. My heloc is XXXX XXXXXXXX. The value of the property is {$1.00} XXXX. I live in XXXX XXXX XXXX. After forbearance period in XXXX I called them & asked if they can do something for me ( as what their website says ) for the forbearance amount like put back at the end of the loan or loan modification. They told me my loan was not set up that way!!! I didn't have any choice but to pay off the forbearance amount. 
Is it ethical to charge their customer this kind of fees during hardship? 

Thank you

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 monetary relief
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a dismissed bankruptcy on my credit report that belongs to my father. We share the same name, however he is XXXX XXXX XXXX, and I am XXXX XXXX XXXX. I have never filed bankruptcy. I have repeatedly attempted to have this information corrected, to no avail. Equifax claims to have " verified '' the information..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Amount : {$1300.00} I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists. 

Also 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a 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 2023-07-24
Company: Consolidated Auto Sales, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, called XXXX XXXX XXXX XXXX department. Spoke with a male employee, asked if he could check to see what loan was sent to collections when all my loans are paid off. He stated a letter should been mailed out regarding this. Stated no letter was mailed to me. He then transferred me to another person, a female employee. The female employee checked in their system verified all the accounts/loans under me. Confirmed there was no open accounts and the last time they reported anything to the credit bureau was in XXXX. Was asked if a title was received and it was confirmed by me to be correct.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX from this company has contacted us numerous times and is on the edge of harassment. She stated we owed for move out fees from XXXX, but I provided all evidence that we already paid. I provided 2 invoices, one for a deep clean and one for paint and patching of the walls, which is what was on the invoice from the apartment building. 

In XXXX of XXXX, we disputed this debt after she said on the phone, I bet youll call me back after you check your credit report and hung up on me when I was trying to gather more info. I checked my credit report and there was a negative mark. I followed up with her with all supporting documentation that I had the apartment deep cleaned and painted. She called me back today and was very threatening, saying if I dont pay right now today, she will ruin my credit and report me as failure to pay. I will not pay for something I do not owe. That is not right. 

Additionally, the apartment complex we moved out of sent us a check for our security deposit, stating that all debts were resolved when we moved out. If we owed more money, they wouldnt have given back our security deposit. 

I want this disputed again and XXXX said that was not an option. She also said she will continue to report and suggested double reporting for the same debt. This is in violation of rules established by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
Many months, perhaps years ago we set up auto pay with Macy 's department store credit card. Naturally, as we made purchases for XX/XX/2015 at Macy 's we knew that the statement balance would be paid off monthly on XX/XX/XXXX as our past ( prior to this experience ) records show. Fast forward 3 months to XX/XX/XXXX and we 're getting calls letting us know our statement balance is past due. Macy 's is accusing us of calling in on XX/XX/2015 to cancel our auto pay ( which is miraculously the same day our payments are drafted for auto pay ), but are unable to provide any proof i.e. Email record, phone recording, etc. Macy 's is unable to offer any resolution and is keeping the {$67.00} in late fees they charged us, again, without any proof whatsoever. Macy 's has reported a derogatory filing with all credit reporting agencies - my first any only late payment mark in my 14 years of credit history.

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 monetary relief
Consumer complaint received 2023-07-24
Company: OCMBC, Inc
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am the seller of a property in XXXX. The buyer 's appraisal came in about 23 % lower than the market rate. I reviewed the appraisal and found a number of discrepancies which orchestrated a lower valuation. 

The issues were : - - a comp on the next block and exact replica was not used - other comps .1 and .4 miles away were not used but one .8 miles away was - the appraiser noted a 2 % /month valuation increase but justified not assigning it to a comp which was 1 year old and adjacent to the subject property - negative adjustments were used and positive ignored - the market rate for the immediate neighborhood is XXXX XXXX XXXX XXXX XXXX but 2 comps that sold at around XXXX XXXX XXXX were used - the appraiser quoted incorrect square footage data for 3 comps. It made the ( 2 ) $ XXXX XXXX comps appear to be XXXX XXXX XXXX XXXX. It made the comp in closest proximity to appear to have sold for XXXX XXXX XXXX but with the right square footage would indicate it sold for XXXX XXXX XXXX - during the appraisal the appraiser ripped a shutter off the wall, took down a rail and dislodged a thermostat. He acknowledged this occurred during his visit. He then listed these as repair items Result The sale contract was for {$290000.00}, less than a {$300000.00} comp 335 feet away ( he did not use this ). My property is in better condition. However, the appraiser value came in at {$230000.00}. Please note he did assert a 2 % /month valuation increase. 

This low valuation meant the sale would not go through, unless the lender rectifies this. Being a FHA appraisal it will be associated with the property for 6 months and limit the pool of future buyers. 

Action Taken I wrote a letter and requested it be forwarded to the loan officer highlighting the issues. 
No feedback was received so far.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-15
Company: SUNRISE CREDIT SERVICES, INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed the account and they still reported to credit. When I contacted they stated they see I disputed but still reported and won't fix

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 2016-10-04
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened checking and saving accounts at Citibank on the phone. The rep said to expedite the matters to go to the branch, present ID, sign necessary forms and deposit the money. So I did. A week later it turned out they were missing a copy of my ID I presented in the branch. But they kept quiet until I called them on the phone asking about access to my money. Eventually they sent me an email with a form for ID copy so I had to fax the image of my ID with the form. After that they sent me an ATM card. But when I registered it I discovered that the access to the savings with the entire amount ( XXXX ) of the deposit is blocked. Now they are stating that they do not have the signature card which is a lie. Without it the opening of the account would not have been complete and accepting the deposit would not be possible. Even written communication with customer service is infuriating. They completely ignore what is stated in the request and give absolutely irrelevant answer. At this point I worry about a very substantial amount of my money that they are holding and refusing access with made up reasons.

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 2015-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Whenever I try to get my credit score report from online I get the message " We 're sorry, for your protection we are unable to deliver your Free Annual Credit Report online. '' I need my credit score report urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This was a case of identity fraud. Someone was using a stolen checkbook and my name for various things during this period. The person/persons were prosecuted. XXXX of them were caught at a bank cashing my checks, along with others. I did not file identity theft because I did not know until later and was too busy fixing my own life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Due to medical issues, I had to declare bankruptcy in 2014. The bankruptcy, including all medical collections, was discharged in XXXX 2014. I have worked really hard to rebuild and have been successful with everyone except Equifax. I have disputed a medical collection that they are reporting as open XXXX different times. Each time, they report back that the debt has been verified, although they have added comments stating 'Account closed at consumer 's request - Chapter XXXX bankruptcy ', and they continue to report the account as Open. This is negatively affecting my FICO score. Equifax will no longer allow me to dispute this online. It 's a really simple matter to mark the account closed and it is perplexing why Equifax ca n't seem to get it correct. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
The capital one charges started from XX/XX/2023, to XX/XX/2023. The total charge is about XXXX. I've let my XXXX son purchase an item on a game or app called XXXX of XXXX. But at the time, I was also dealing with a divorce with my spouse. So I couldn't be bothered by anything else. So I've never paid any attention to the card. It wasn't until I've received a bill of XXXX that I've found out about these charges. But now that I'm reporting these transactions as unapproved transactions, they are stating that it was a valid transaction. And is reinstating the transactions back. All those transactions were made by an XXXX XXXX XXXX boy and not approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
my capital auto loan is being hacked for the second time not allowing my automatic deduction to come out of my XXXX checking account what kind of online security does capital one have it seems to be the worst around. now my auto loan is going to show a late payment because they have the poor cyber security

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have recently submitted a complaint regarding alleged fraud thought to be perpetrated on my sister and mother through XXXX XXXX, now XXXX. As of two days ago, XXXX has placed a hard inquiry onto my own credit report. They were not given permission, I did not ask them to, it 's harmed my credit by XXXX points, and I did n't submit for a loan, mortgage and was in no way even in contact with XXXX. 
I believe XXXX may be wondering who I am and have sought information about me through a hard credit inquiry. See below.. 

Hard Credit Inquiries Since your last update on XXXX XXXX, 2016, XXXX inquiry has been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 2016 Equifax You now have XXXX inquiries on your credit report. 
View Credit Inquires View Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was settled and paid and judgement was satisified in NJ Court. A payment agreement was made before it went to court. Creditor is saying the attorney said there was no judgement. But it has been filed and satisified by the court. Attorney needs to rectify with creditor that this has been taken care of and balance is not due as it was agreed upon and settled. 
This may hurt my chances for a mortage. I did not know this was on my report since it was paid, settled, and satisfied.

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 2016-01-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted the Federal Bankruptcy Court once again on XXXX/XXXX/16 with respect to account ID # XXXX, ID XXXX and ID XXXX. The clerk stated that " they did not provide any information to the Consumer Reporting Agencies and the Court could not delete an inaccurate account. I then contacted Equifax and spoke with XXXX who then transferred me to the supervisor " XXXX ''. Equifax continues to document and state that the Courts have furnished the accounts to the Consumer Reporting Agencies and refuse to grant me the name and/or address of the third party vendor who provided the information to Equifax. The account are [ n ] ot mine are damaging my credit and life. Equifax refuses to provide me with the method of verification as required under 611 ( a ) ( 7 ). Equifax failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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:
I am disputing a charge off on my account from XXXX ACCT # XXXX for the amount of {$3800.00}. This was a 2020 Infiniti XXXX XXXX  month lease that was paid in full and returned at lease end. We never received a bill, call or email letting us know of a balance. 
I did send a letter to the bank and also a dispute to the credit bureaus for inaccuracy. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602A.states I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
CitiCards refuse to connect me to a manager. Im currently unemployed due to the effects from XXXX XXXX. Ive been making my payments on time but this month ( XXXX 2016 ) my financial situation has gotten worse, I preemptively call CITI CARDS and requested to have my payment date from the beginning of the month to the middle. I was promised a call back from a manager, which never happened. I called again but was unable to speak to a manager again even though I requested it but was told my requested was placed and that I would be able to pay at a later time with not late fee. Unfortunately they did n't comply nothings has changed on my account except for the fact I am now being charged a late fee. Its become apparent they will make up any excuses each day as to why I ca n't speak to a manager. Horrible service line // Condescending over the phones // Straight out liars //

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 monetary relief
Consumer complaint received 2016-10-26
Company: DISCOVER BANK
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Discover Bank and Discover Card have been ridiculous unfair to me as a customer causing unnecessary stress. Lying about the status of my account. Causing strains to my credit report. Not blocking continuous fraudulent activity on my account. Making no concession for issues that occur because of their lack of preparedness and the effects it has on me as a customer. I am made to suffer all the issue that arise from their lack of preparedness and the Discover Bank side inability to function as a proper bank. They can not do simple functions that banks are able to do. They do not provide information upon request. 

I have recorded conversation from Discover Credit saying what will happen to my account after the 2nd time Discover Bank will return payments. 
In the attached documents you will see how even though I am paying my DISCOVER credit card through DISCOVER bank. There is a delay. Discover credit card will send a confirmation saying they have processed the payment and everything is okay and Discover bank will show nothing. Discover bank also does not show any pending transaction ever. ACH transaction are never shown as pending even after Discover Bank has received them just suddenly appear on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX had home mortgage loan with Wells Fargo in XXXX. Im not sure about dates they denied us every time. Do i qualify for compensation from XXXX XXXX settlement. Please let me know XXXX. Thanks

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NV
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 Account 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

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