BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX  is not reporting payments for our home on our credit report. I was discharged and reaffirmed mortgage after bankruptcy through the HAMP program. XXXX  XXXX XXXX sold our mortgage to XXXX shortly after reaffirmation paperwork was complete. 
They need paperwork from me but they can not tell me exactly what I need and I want to sell the home soon. 
This happened XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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 information incorrect

Complaint:
There is inaccurate information on my credit report. It's a billing error I've always paid as agreed. Secondly, there is no such thing as a late payment. As furnishers, Transunion has a responsibility to report 100 % accuracy.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: AZ
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2023-03-08
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 was contacted via phone by Frost Bank on XX/XX/2023. The agent stated she was calling me to let me know that someone opened XXXX online checking accounts using my information on XX/XX/2023. I verified that I had not opened those accounts and she responded that she would close them out and that I should file a report with FTC.GOV to report this issue. 
I have not lost any personal information to my knowledge such as a wallet or ID, credit or debit cards. 
Nothing suspicious has happened under my bank account or any of my credit cards that I am aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went into the office XXXX XXXX spoke with kierra stating that I needed a notice to vacate. I am a current resident under section 8. In order for us to move we have to have a notice to vacate. XXXX gave me notice I have the copy. In XXXX I also had several inspections that failed to meet the requirements do to liberty commons maintenance not fixing them. So the inspector told me I have 10 business days to let them know will I be staying or leaving. I decide to move. On XXXX XXXX I started moving all my things from XXXX XXXX I sleep there an I return my keys on XX/XX/2022. I have copies an cameras seeing me load the truck and leaving an turning the keys in. I received a letter in XXXX stating I owe them for XXXX rent an XXXX. Section 8 pays all my rent. So I met with XXXX an she was upset so I ask could I have the manager number. An they was going give me a call next business day to look at there cameras. No one call so I email the manger no one got back. Sent out all the paper showing I didnt owe that money an im study trying to get charged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
Capital one and Walmart credit cards have been sending credit card ads for many different people to my address. None of these people live at my address. This has been happening for about three months now. Every week we receive letters for these people. I have called capital one three times already and each time they say theyve added my address to the do not send to list, but we continue to get letters. We get between 5 and 15 every week from both capital one and Walmart. I do not understand why I am getting all of these for people who do not live here. I have lived at this address for almost 7 years now and have never had this problem. I am now wondering who these people are, and what else they will have sent to my house or if theyre going to use my address to register to vote. I do not want all of this mail sent to my house! It literally fills my mailbox and it makes me afraid that I wont receive important mail that is actually for me. I have started writing return to sender and wrong address on these and taking them back to the post office but it obviously has not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This account was transferred from XXXX to Rushmore earlier this year while in the middle of a forbearance plan. At the end of the forbearance plan on XX/XX/2022, I was given 2 options, either have the missed payments put on the end of the loan OR new higher payment amount. These options were done with a click of a mouse on the XXXX website. 

Since my account was sold to Rushmore, 1. I have been locked out of my account 2. I can not make online payments 3. I have to call in to make a payment with a average hold time of XXXX minutes plus. 
4. Im redirected to lose mitigation who are rude and arrogant. 
5. I was given a list of documents to submit for approval of a loan modification most of which I do not have and will not submit due to privacy. 

Back in XXXX XXXX XXXX, I was sent a letter with my contact person in charge of my account. I have tried to reach this person numerous times and they never return my call or answer their phone. 
This forebearance plan was agreed upon with the prior servicer XXXX and Rushmore needs to abide by the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Personal information incorrect

Complaint:
INCORRECT NAME AND PLACE OF WORK REPORTED XXXX XXXX is my correct and legal name. Equifax reports it as XXXX XXXX It also reports my past place of employment as XXXX XXXX when the correct place is XXXX XXXX  These needs to be corrected asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called BMO Harris yesterday ( XX/XX/28 ) when I realized that payments that were supposed to cease, had continued to be withdrawn. In the middle of XXXX I revoked the authorization for a creditor to take ACH withdrawals biweekly. I sent them a letter stating that they no longer had authorization to take anything out of my account. I also spoke with someone in XXXX and told them i would be manually resuming the payments but it would be initiated on my end. I did attempt to resolve the issue with them and get the payments ( 3 since I revoked authorization in XXXX totally {$350.00} ) credited back to my account with no luck. So I filed a dispute, explained the situation, and she even closed my debit card and got a new one. Here is where BMO is lightyears behind, she said they won't be issuing a provisional credit at all. So even though the transactions are fraudulent because they continued to withdrawal funds after I explicitly told them they they could not and I was revoking my authorization, I get to wait until BMO fraud team investigates and maybe get my money back then? Absolutely not. That is NOT what XXXX outlines for financial institutions when it comes to fraud. I even sent documentation to support my claim to the reps hoping that would speed things along. So here I sit without {$350.00} dollars that I really need because BMO doesn't think they should credit customers while they are waiting for an investigation. Unreal. If XXXX can issue a provisional credit in 12 hours so can you and so should other banking institutions when dealing with fraud. When the consumer does everything right and the merchant fails to resolve, the burden lies on the financial institution and until they have proof supporting anything other than the details of the claim, the money is mine and should be credited to my account ASAP.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 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  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-07
Company: Capital Benefit, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
During Covid all business was shut down, requested forbearance. Submitted without response. Quickly recovered and within 90 days made 2 overpayments overpayments to bring account current. Continued to make overpayments. Servicer added fees continually, REDUCED principal but added fees, and did not apply payments as requested. During this entire process and COVID lockdown threatened foreclosure.

Has a history of Real Estate Issues and license suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA XXXX XXXX XXXX a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-29
Company: Genesis FS Card Services, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Milestone was sold to XXXX and then to XXXX XXXX. I paid XXXX XXXX on XX/XX/2022. The account shows XXXX. They told me that if I submitted the letter to Milestone it will be shown as XXXX XXXX or something of the like. 
It doesnt. It shows Derogatory and while there is a XXXX balance it doesn't mention me paying anything in good faith which is unfair. 
Milestone reps told me because they did not get the money they will be leaving it on there but I know that is unjust and illegal because they did get money during the chargeoff. 
I spoke to XXXX XXXX on XXXX XXXX at XXXX XXXX XXXX who claims it isn't here issue either. 
I have a receipt. 
XXXX XXXX XXXX says its not them to remove it but the 3 credit bureaus have assured me it is their doing. My rights have not been abrogated. Please delete this damaging account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: SD
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 found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXXXXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I reviewed my credit reports from Transunion, XXXX, and XXXX  and they are reporting an account that violates my federal rights as a consumer. I sent them a letter bringing these violations to their attention and they have not responded and the account is still reporting on my credit reports. First and foremost, I did not give them my written consent to report the account pursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy pursuant to 15 USC 1681a ( 4 ) they are sending my private information to a data furnishing companies that I also did not give my written consent to have. Using my information without my consent is identity theft and is punishable under federal law.

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 2022-11-29
Company: WELLS FARGO & COMPANY
State: AZ
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:
On XX/XX/XXXX I applied for a Wells Fargo credit card. XXXX said my XXXX XXXX was XXXX. Since I wanted to pay my bill online XXXX did deposits of {$0.00} and {$0.00}. and a withdrawal of {$0.00} from my XXXX XXXX  XXXX XXXX checking account. These transactions were successful. In XXXX I paid my bill online. In XXXX I saw the XXXX bill did not go through. I called XXXX and paid both months in full. A few weeks later I received a late notice from XXXX. I called XXXX and they said I did not have an account at Alaska. I have had the XXXX  account for about 15 years and use it for online bill paying. I decided to pay the bill from my husband 's account at XXXX. XXXX said all was well and the bill was paid. Each time we talked to XXXX they wanted the XXXX and account number. I now know they also needed the XXXX digits between the XXXX and the account numbI have made XXXX phone calls and XXXX inperson visits in an attempt to fix the problem.er. In XXXX I saw that none of the XXXX bills along with XXXX other pills on auto pay from XXXX did not go thru. I went to the XXXX bank in person and paid the bill from my XXXX  account. The check cleared. I am now getting notices that my XXXX XXXX has been adversely affected by XXXX. I will be signing papers for a new vehicle in a few days. I live in Arizona and my insurance company. says my rates may go up for 6 months due to 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 2022-06-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card for BJs through Comenity Bank. My payment is due today Monday XX/XX/2022. I have spent all day trying to make a payment, but the system is down. I have reached out to them via social media with no response. I have also reached out to the phone number on the card and their customer service is closed. I found online that this has apparently been an issue for about a week. I will be challenging any late fees or interest charged to me based on the fact that there is no way to make a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: NY
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:
This involves Comenity Bank apart of XXXX XXXX. So I have XXXX credit cards by them for different stores and general use cards. I have a XXXX XXXX card ( they told consumers last minute they were discontinuing the card service on XX/XX/XXXX - so I wanted to make my final balance payment before they closed all XXXX consumer cards ) which is due on XX/XX/XXXX, then a XXXX XXXX card due XX/XX/2022 and a Comenity Credit Card due XX/XX/2022. I like to pay them a little earlier so I logged on XXXX days ago to pay all three, since that is when I receive part of my biweekly paycheck, and im told their system is down. 

I tried again at all times during the day and no lucky to my payment ( Now I am in fear like others that I will be reported for being late when Comenity doesnt give you any options to pay it by phone, by mail or online - if they state they have system issues and are closed ). Today, they taste their system is still undergoing an update, some noticed this has been going on for weeks now, people got reported late by credit bureau, I am fearful that will happen to me too, as I am trying to payment my bills on time, and I would have been on time had their site, or call centers been open. Alas, they are not. You try to log in, they have errors, everyone 's card is " XXXX '' or they cant pay their bill or cant use it in stores. You try to call in your payment, their call centers are closed and they dont know when theyll return messages and calls. It smell of fraud or huge security breach.

Company response to consumer: Closed with monetary relief