BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2020-04-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Tried to Transfer funds via walmart online aka moneygram. signed up for an account included my DL front and back. Sent {$3900.00} on XX/XX/16 at XXXX XXXX  got email my transfer has been sent. Receiver never got. Called 3 times as did receiver each time told to call back in 24 hours. Still have not transferred funds to receiver or returned them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I lost my job in XXXX of this year. I was able to make payments on my credit card in XXXX and XXXX. In XXXX, my unemployment ran out. I called Capital One and advised them of the situation. I made my XXXX payment, but missed my payment for XXXX. I called Capital One again. They agreed to put me on a repayment plan, which includes no late payment fees, no over the credit limit fees, and allows me time to pay off the card. They had previously charged me XXXX late payment fees and XXXX over the limit fee ... .each XXXX being {$35.00}. They claimed at the time that my minimum payment was {$150.00}. This took my balance down below my credit limit, to {$480.00}. ( Credit limit is {$500.00} ) After removing the XXXX fees ( which totaled {$100.00} ) that *should* have made my minimum payment for XXXX {$45.00}. Nope ... .it 's still {$150.00}. Capital One continues to call me, insisting that taking those payments off my account did NOT affect my minimum payment, and that I *now* owe {$150.00} on a {$480.00} balance. That 's a THIRD of the outstanding balance. I 've advised them that they need to fix my account, since my payment is messed up. They refuse to do so. I 'm almost to the point of telling them where they can put their XXXX card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2019-12-15
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants and XXXX XXXX XXXX, Inc.just doesn't seem to get it. They continue to damage my credit report. This is a bill that I do not owe, it was a bill that was generated by an auto accident that I was not a fault for. I have a lawyer on the case and this company has been sent letters of representation. These bills dated for XX/XX/2019 are not my bills to pay and I wont be paying for something that is not my obligation to due so. 

This company claims that they are great company but they are crooked because they do not care about any of their clients, this company has damaged my credit report and for what for a bill that will be settled when the lawsuit gets settled out. I would think this company could be more reasonable about this situation, but apparently they are aggressively attacking me on an everyday basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with Guaranteed Rate in XX/XX/2020. I had no payment due in XX/XX/2020. In XX/XX/2020 I received notice from Guaranteed Rate that my new mortgage servicer was now XXXX XXXX  and I should make my XX/XX/2020 payment to XXXX. I am now receiving collections calls and letters from Guaranteed Rate saying I am past due. I made my payment to XXXX on XX/XX/2020, and XX/XX/2020 as instructed. 

Guaranteed Rate customer service tells me they have no record of my account being sold to XXXX. I sent them THEIR letter, with no response.They also sent me a letter XX/XX/2020 that my mortgage was sold to a 3rd company, XXXX XXXX. Guaranteed rate reported me to the credit bureaus as delinquent when I don't even have an account with them, and they sold my account to a 3rd  company when they do not own the loan. 

Guaranteed Rate collections department is telling me I need to make another payment in order to stop the calls and collection attempts. I have been asking them since XX/XX/XXXX to fix their records, I emailed them copies of everything - even their OWN letter telling me to pay XXXX XXXX. My credit score has now been lowered over all this and I have never been late with my payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12
Company: Williams, Alexander & Associates, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
WAASSOCIATES ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX 15 years in business XXXX XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WAASSOCIATES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WAASSOCIATES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Ameris Bank. The terms of my mortgage loan are not being honored by the mortgage company/servicing. The terms of the loan included an interest rate buydown, but the mortgage company continues to not honor the buydown, instead charging me the full interest rate ( which equates to {$400.00} more dollars on my payment each month ). I have called the mortgage company many times trying to resolve this issue, I have escalated to multiple supervisors at the customer service department, and I have reached out to my original loan officer. Each party claims they are researching this or escalating it, and that I should check back later for an update. This issue has most recently been ongoing for the last six weeks, but has been a problem since the beginning of the loan. 

The mortgage closed on XXXX XXXX, XXXX, the first payment on XX/XX/XXXX reflected the incorrect amount, I reported it immediately to the mortgage company and payed it anyway. The next several months were the correct amount, paid by check and mailed to the mortgage company. Once the loan was moved to a new servicer on XX/XX/XXXX, the incorrect payment amount resurfaced and I again began to try to get it corrected. To avoid any negative marks, I again paid the incorrect amount in XXXX, and have been trying to get the payment amount resolved for XXXX. Halfway through the month, the issue is still not resolved and I have not received any assurances that it will be - only that I can check back on XX/XX/XXXX to see what the latest status is. 

I have provided the company with my loan package clearly stating the correct amount, yet correspondence with the " research team '' at Ameris was closed and I was told that the payment amount is actually correct as it stands - it is not correct. 

I continue to speak with customer service in attempts to fix this problem, and I have been waiting for a servicing liaison with Ameris to return my email about how this will be resolved. I am reporting Ameris Bank to the CFPB because I have no faith in the company to resolve my issue without some kind of oversight or accountability. 

The correct amount of my monthly payment ( PITI ) should be XXXX. They continue to request XXXX, which is the correct amount once the buydown period expires in XX/XX/XXXX. It is not fair or correct for me to be held to to the higher payment amount per the terms of the loan agreement and as each month passes, I'm afraid it will become harder to avoid paying this higher amount. There appears to be no incentive at the mortgage company to get this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: EQUIFAX, INC.
State: TX
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:
Dear : Eqifax I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Paypal Holdings, Inc
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal will not allow me to close my account. The reason I want to close my account is that my debit and bank accounts have been compromised. Two unauthorized transactions were processed by my bank ( I have already addressed the issue with my bank ). At this time I have no Paypal transactions pending. They say the reason they will not allow me to close my account is that there are pending transactions. Please provide any assistance you can in helping me to close this Paypal account that has been compromised. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
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:
There are accounts that aren't mine on my credit report. Please remove them immediately.

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 2015-12-22
Company: Debt Management Holdings LLC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I just got a phone call from " Credit Judgements '' saying I 'm in default for a payday loan I took out in 2012 from the XXXX XXXX XXXX. 
I have taken out a payday loan in the past, but I 'm pretty sure that it was paid. 
I explained to them that I have never gotten anything in the mail and I asked them to send me information so I could research the validity of this claim. They refused to send me information and that I could take care of it with a credit/debit card or if I did n't do that, I would have to wait for a court summons and get an attorney if I wanted to fight it. 
Again, I asked for proof of debt to be emailed or mailed to me and they would not send it. 

Company name & address : Credit Judgments XXXX XXXX XXXX XXXX, NY XXXX Contact : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to  remove this however, I have not been successful.

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 2019-12-15
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:
These accounts listed arent mine. please remove them 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 explanation
Consumer complaint received 2019-12-15
Company: Experian Information Solutions 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:
These accounts listed arent mine. please remove them 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 explanation
Consumer complaint received 2016-01-13
Company: High Point Asset Inc
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
High Point Asset Inc : They called a old work number and other family and friends and I do not appreciate that, they need to stop I do n't owe them anything and neither will they show me anything saying I owe them anything. STOP CALLING ANYONE OR ANYTHING HAVING TO DO WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX is inaccurately reporting a {$1100.00} balance on my credit report when my balance is actually {$0.00}. XXXX XXXX is inaccurately reporting on my credit report. This account does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reporting a balance on 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 2016-01-24
Company: COMMERCE BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
While on vacation my account became overdrawn. Commerce Bank charged my account with XXXX overdrafts in the amount of {$36.00} each. I only become overdrawn when my account was charged overdrafts fees When I returned I called the bank and the bank removed XXXX overdraft fees in the amount of {$72.00}. I went to the bank an deposited money in my account and was charged for XXXX more overdrafts. I called to ask why I was overdraw, because my statement never showed I was overdraw, only when the bank charged me for overdrafts. I was told I had a debit at one time that was pending and that made me overdrawn. Then I recalled I had given the hotel the wrong credit card for my room, which I corrected within a hour. I was told they have the right to do this because the amount was pending even thought it never went through. How can a bank charge for overdrafts when money is never taken from your account. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
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:
I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX XXXX XXXX XXXX has multiple inaccuracies. 
1. Across the three bureaus the dates of last payments received are inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act.

By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: MS
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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1700.00} XXXX {$1600.00} XXXX {$640.00} XXXX {$200.00}

Company response to consumer: Closed with explanation