BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I made a payment to the mortgage company. I called on XXXX at the advice of my loan originator, I was then told by a call center rep that my bank account information was incorrect and I had an NSF fee. I gave the representative the correct account number and made the payment of XXXX over the phone. The rep stated that she would update my account with the correct account number. On XX/XX/30 I made a payment of 1300 towards my mortgage. On XXXX I called and was told they had a high call volume and that payments were going to post on XXXX. On XXXX I called and spoke to a representative who stated that the account information is again incorrect and that another NSF fee was attached to the account. She stated that the previous rep had the incorrect account saved, which is wrong because my mortgage payment for XXXX was drafted from my account. I was then told I had to make my payment of XXXX. When I requested to speak to a supervisor I was denied, even though the agent was talking to a supervisor through chat no one was available to talk. The agent also refused to take payment over the phone and directed me back to the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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: Their investigation did not fix an error on your report

Complaint:
I have  a Visa cr edit card with  XXXX   XXXX  that I opened about a year ago. It is a secured card and my initial credit limit was {$300.00} which I sent to  XXXX    XXXX   in the mail. I wired {$700.00} in additional funds in  XXXX   2017  to increase the credit limit on the secured card to {$1000.00}.   XXXX   and Equifax have not reflected the correct credit limit ever since it was increased in  XXXX   2017 . I have opened multiple disputes to no avail. I was told by Equifax and   XXXX   that I needed to contact  XXXX   XXXX . I have called  XXXX    XXXX   three times in the past 3 months and they keep telling me that they are reporting it correctly and it is the credit bureaus error. Neither the credit bureaus nor  XXXX   XXXX  want to take any ownership to correct the issue. I am working diligently to improve my credit which is the main reason for increasing my credit limit on this secured card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has allowed someone to cash a fake check on XX/XX/2022 in amount of {$200.00}, although they gave me temporary credit the issue was never solved. 

On XX/XX/2022 Bank of America allowed someone to pay their power bill to XXXX XXXX XXXX in amount of {$440.00} On XX/XX/2022 Bank of America again allowed someone to pay their power bill to XXXX XXXX XXXX in amount of {$350.00} The issues were never resolved and my account is currently negative - {$930.00} There were several overdraft fees that were also charged. I can not use this account again fearing the same thing will happen. Bank of America can NOT be trusted

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 2019-12-03
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: Information belongs to someone else

Complaint:
To Whomever This May Be Concerned : My name is XXXX XXXX XXXX. I have submitted a complaint before, but nothing has happened. First and foremost, this is not a credit repair agency. I am submitting a complaint on my behalf. No one else is doing so. XXXX, XXXX, and TransUnion have allowed an account, that I have never received notification on to be reported to my credit file that is fraudulent. This creditor whom I have never dealt with, has reported a fraudulent account to my report. I have fraud alerts and credit freezes all over my credit. I am not pleased with this and I have reached out to an attorney to sue these bureaus because they continue to allow fraudulent information to reported to my file. The creditors name is XXXX XXXX XXXX for XXXX. I have submitted numerous police reports, affidavits, and the list has gone on. Not to mention the numerous inquiries on my credit that I have repeatedly asked to be removed and they are still reflecting on 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 non-monetary relief
Consumer complaint received 2017-06-09
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was with  XXXX  for 18 months with a family plan (   XXXX    XXXX   XXXX  ), they told me my plan was going to be  XXXX  dollars a month I star receiving bills how they promised, 3 months later they star increasing to  XXXX , 9 months later  XXXX , until I got tired and decided to go back yo my last  carrier   XXXX , when I port the numbers att Took the phones and told me they were going  yo send m e a prepaid visa to pay  XXXX  ( because I gave the  XXXX  to  XXXX  ), before that  XXXX  told me to pay off the phones and the last bill was going to be {$1000.00} dollars which {$180.00} the last bill and {$300.00} each phone, so I decide to pay the last bill and wait for  XXXX  to send me the prepaid visa to pay off the phone,  ,they said that I had a remaining of {$900.00} dollars, now a 3 weeks ago I received a phone call from a  collection agency that I owe then    XXXX   XXXX   b ecause  XXXX  coold not wait and decided to take me to collection, and now I owe the collection agency more that my balance with  XXXX  because I waiting for the prepaid visa from  XXXX , my question is if is legal now what the collection agency is doing charging me more for what I owe  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 2022-09-14
Company: TD BANK US HOLDING COMPANY
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a XXXX retail card and i paid off the balance and asked if the insurance plan could be cancelled since I did not need it anymore. on XX/XX/2022 when I made the payment, my balance was {$11.00}. 
Three months later XX/XX/2022 I received a notification that TD Retail Card service reported a late payment on my credit report. I called them to take care of it and I provided a dispute form on faxed to the number on the dispute form on XX/XX/2022 and XX/XX/2022. They did not receive it. I then mailed via the post office another dispute form. I called on XX/XX/2022 and they said they received the dispute form and it was being review. I called today XX/XX/2022 and they said they just received it on XX/XX/2022. Now this will be reported again to the credit bureaus for the 3rd time and my credit score is taking a huge hit. They are reporting I am late paying late fees. I should not have any late fees. 
Please I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Security National Financial Corp
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage monthly by phone 4/3 years last year around XXXX the mortgage company did not collect my money from my bank as usual it did not contact my bank it did not apply any money to my account however they claimed that the money was sent back to the bank but the bank has no record of that happening I made the phone call as I was supposed to supposed to they did not request the money from my bank and they posted me as being late in my mortgage and held back money that should have been applied now they reported me to the credit bureau I have a XXXX credit score and it shouldn't be that low I did not do anything to deserve this XXXX XXXX is the company I'm talking about they service my property at XXXX XXXX XXXX XXXX XXXX Florida XXXX I've contacted the company and they have ignored my situation I have the records that prove my claim

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 2022-09-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-06-09
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I purchased a convenience store on   XXXX   XXXX   XXXX    . Part of the purchase process is to apply to  XXXX  to accept  EBT cards ( food stamps ). I   h ad submitted the application to   XXXX   in  XXXX  and provided all the requested documents in  XXXX . A fradulent company called "   XXXX   XXXX   XXXX   XXXX   '' called my store in  XXXX . This company was impersonating to be from the government and asked for a {$320.00} fee for finalizing the food stamp application. The manager at my business fell for this scam and gave my bank account number and routing number to this company. Later I found out that this is a scam and this is a private company from   XXXX   XXXX  , California. This company withdrew money out of my bank account under the title "  Federal Compliance  ''. I immediately contacted  US Bank wh en this withdrawal was pending.  US bank r efused to stop this withdrawal and were not even able to tell me what company was this charge from. I have now contacted this company about  hundred times but t hey refuse to refund my money. I have also filed complaints with various government agencies. My complaint is aga inst US bank. They  refuse to do nothing despite the fact that I told them the whole situation. They were unable or unwilling to tell me what company was this charge from. Small business owners lile me work countless hours to earn a living and paid thousands of dollars in fees to banks li ke US bank. However it appears that US bank is aiding and abetting criminals like this fradulent   company and do everything to conceal the criminal 's identity.

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 2017-06-09
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On   XXXX    , I received an alert from  XXXX  credit monitoring about an new collection account added to my credit file.   On   XXXX    , I contacted the listed collection agency on my credit file for the complete account number of the said account. On that same date, I wrote the collection agency a letter requesting validation of the debt. Attached to this complaint is a copy of that letter.   I have also received confirmation from the  USPS tha t the certified mail was successfully delivered to Midwest Recovery Systems.   On  X/X/17    I called Midwest Recovery Systems again and they either hanged up the phone on me or transferred my call from  one agent to the next.    On  X/X/17   , I sent a fax to both  XXXX  and  XXXX  of the letter of validation that was mailed to  MRS .    After receipt of my request to validate the deb t, Midwest Recover  y System continu es to report this debt to both  XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Credit Karma, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been monitoring my credit reports with credit karma since 2013 and for the past 5 years they have ruined my credit with multiple infractions; including but not limited to reposting old closed credit accounts as new open debts, marking late or missed payments on accounts and never dropping them after our Leander reached out to them on several occasions with proof of on time payments made. The offered loans and credit cards that I never would have initially applied for if they weren't guaranteeing excellent approval odds, just to be denied and lose credit points. They have been the reason my score is constantly up and down because a lot of the reports have inaccurate information even though I am constantly sending them disputes on the old/paid/closed accounts, inaccurate approval statuses and inaccurate payment status history. This company is unethical and needs to be monitored more carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: AL
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I have  XXXX  collection accounts on my Transunion reports that keep getting closed and deleted then either a week or month later reopened.  XXXX  of the collections is  XXXX   XXXX   XXXX   XXXX  and the other is   XXXX    XXXX . I have screenshot proof as to when these items closed and when they reported back as opened. According to  US code 1681i- FCRA 611 ( a ) ( 5 ) ( b ) ( ii ) Notice to consumer : If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later then 5 business days after the reinsertion or, if authorized by the  consumer for that purpose, by any other means available to the agency! Not once was I notified in writing that these account were going to be reinserted.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: AL
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 non-monetary relief
Consumer complaint received 2017-06-09
Company: First Data Corporation
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
We h ave Business ch ecking with  XXXX . Every month were charged a {$43.00} lease payment for the  XXXX   XXXX . However this device is in operable. We 've reached out to  XXXX    XXXX   XXXX  , along with First data who has been almost impossible to get through to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for consumer credit on XXXX XXXX with Pen Federal. I was denied and sent an email stating why. On XXXX XXXX I called and spoke with XXXX the assistant manager in finance regarding the application. I was told that I was denied do to having too many inquiries. I then stated to her that I used my social to access this consumer transaction which is based on my unlimited credit. I also stated that they are in violation of 15 USC 1611 by denying me this. She told me I will also recieve a letter in the mail stating this. I told her that I'm aware of the step that are taken. I also stated that they are in violation per Regulation B and many other laws that their " key factors '' are unacceptable and that they should be compliant with the ECOA.I asked to speak with the underwriter and was told that the underwriter only makes calls if he is needing more information from the consumer. XXXX then stated that she could have her supervisor give me a call. An hour later I received a call from XXXX. I explained to her everything that I explained to XXXX. She then stated that I was denied specifically do to my credit score. I asked if I could get that sent out to me stating that exact reason. I was told " no, and that I should try to get my credit score up more ''. Per the ECOA under 'Prohibited Practices, Credit Scoring Systems , and Judgmental Evaluation System '' and many other laws they have take adverse reaction against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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: Information belongs to someone else

Complaint:
Please help, I am confused! I submitted a complaint regarding Identity theft on XX/XX/2021. It's been hard dealing with these accounts on my report. They don't belong to me and now I am stuck! I don't know what to do or who to turn to anymore. Please help me! Covid-19 has put a halt on XXXX XXXX and this credit situation isn't helping either. I would like to get in control of at least one thing in my life. Section 605 b of the FCRA states that fraudulent accounts must be removed with 4 business days. It has been over a month! Not only that, there are fraudulent addresses on my report that I do not know how to remove. Everything is in shambles and your company doesn't provide the information to help. I am lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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 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