BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a complaint last XX/XX/2022 to remove : XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again.

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 2020-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PRA is reporting a debt on my credit reports and I never received any notice of my right to dispute. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. PRA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: DISCOVER BANK
State: TX
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:
DISCOVER CREDIT CARD TOOK MY PAYMENT OUT OF WRONG BANK AND THEIR XXXX MACHINE THAT ANSWERS PHONES TAKE 50 TIMES HITTING ZERO TO GET A REAL PERSON. THEY REVERSED CHGS AND WHEN I ASKED WHEN FUNDS WILL BE IN BANK THEY PASSED ME AROUND FOR 20 MINUTES AND LIED AND LIED AND LIED AND THEY PROBABLY LIED ABOUT REVERSING CHARGES AS WELL. THESE CREDIT CARD COMPANIES LIE REGULARLY AND MUST BE REGULATED. I WANT MY MONEY RETURNED IMMEDIATELY AND THEY NEED TO BE PENALIZED FOR LYING OVER AND OVER AGAIN AND PASSING PEOPLE AROUND ON HOLD FOR 20-30 MINUTES KNOWING FULL WELL NO ONE WILL ANSWER MY QUESTION AND KEEPING THE MONEY TO DRAW INTEREST ON THEY ALL DO IT AND INTEREST CHGS ARE EXTREMELY HIGH FOR ALL THEY ARE STEALING AND GETTING AWAY WITH IT AND YOU NEED TO STOP THESE HORRIBLE POLICIES BY REGULATING AND HAVING SOME PROTECTION FOR CONSUMERS. XXXX IS ALLOWING THIS THEFT. GET RID OF HIM AND PROTECT WHO YOUR SUPPOSED TO NOT CREDIT CARD COMPANIES. I DO NOT SEE ANY CONSEQUENCES FOR THESE XXXX DO YOUR XXXX JOB OR SHUT DOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NC
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 submitted a complaint last XX/XX/2022 to remove : XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with XXXX XXXX XXXX. My servicer changed to Select Portfolio Servicing Inc further referred to as SPS Inc.. When I logged into their website to make my first payment this month they charged me an additional {$15.00} to make the payment online and called it " EZ payment '' This is an additional fee I need to pay to make my mortgage payment each month. My amount due is {$1500.00} but I will have to pay {$1500.00} monthly for my mortgage. By charging the fees to pay online or over the phone, a portion of which it retains, SPS Inc is in violation of the federal Fair Debt Collection Practices Act, which prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. This amount is not authorized by my mortgage agreement and was never charged when I payed online through XXXX XXXX XXXX the originator. 

It should be criminal that this company is making me " pay to pay '', to wonder people go into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a customer of Freedom Mortgage for almost 10 years now. Always paying my mortgage on time and independently escrowing for my property taxes. Then the errors by Freedom Mortgage began : In late 2018, Freedom Mortgage erroneously paid my 2018 property taxes claiming that they were delinquent. 

Property taxes arent due until XXXX of the following year ( see attached ) I contacted Freedom Mortgage in late 2018 to discuss this and was transferred to the Tax Department. 

The Tax Department claimed in late 2018 that my taxes were indeed delinquent and paid my 2018 property taxes for that reason. 

Explaining this over and over and over again, including with a supervisor, I was unable to get anywhere with this even after faxing over my tax bill attached. 

Then with that payment, Freedom Mortgage began to ESCROW for future taxes on my account. 

This was an erroneous next step seeing that my 2018 or any prior years taxes have never been delinquent. 

I have continued to pay my monthly mortgage payments of {$1500.00} and have been independently escrowing my property taxes. 

I contacted Freedom Mortgage several times, sent in an email with proof to the customer care email as prescribed by the customer service person over the phone ( never getting a response to ) In this email, I asked to remit payment for the 2018 taxes and get ESCROW removed from my account No response from Freedom Mortgage After getting a dedicated teller, I still have never talked to the actual teller assigned to my account. 

All of this time, Freedom Mortgage has never gotten someone to see the error they made and have continued to charge me erroneous fees and have continued to erroneously ESCROW my property taxes ( accruing fees on that ). They say I owe them over {$16000.00} when I have NEVER missed a Principal and Intersest payment in 10 years.

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 2022-02-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Pursuant to 15 USC 1692d, American Express XXXX XXXX used abusive language in its electronic mail messages to oppress me such as final, debt, collections, sue, balance and pay. American Express harassed me with these messages by sending them frequently and also calling me regarding an alleged debt. American Express XXXX XXXX violated by right to privacy by repetitiously and harassingly communicating with me regarding an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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:
It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2021-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is denying my request to remove credit inquiry that has been on the report for over 2 years. I submitted requests to remove the inquiries multiple times online but Equifax failed to remove the inquiries. I also spoke with them on the phone but was instructed to submit another dispute online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Bread Financial Holdings, Inc.
State: MA
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:
I would like to report this incorrect late remark that shouldn't be in the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: FIRST COMMUNITY MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Myself and my family are victims of Hurrican Irma in the Florida XXXX, My Insurance company was slow to pay and when they did all of the contractors are on a 6 month or more waiting list. I can do the repairs myself and elected to do ( it is my right in FL ) so as it would be over a year since the hurricane hit before our house would be repaired, which is unacceptable to me due to the presence of black mold in the house. I sent two checks to my mortgage company one for XXXX XXXX and another for XXXX XXXX a little while later, in which they assured me that they would send it back in draws. They applied the XXXX XXXX dollar check to my loan and then told me I would have to complete all repairs with my money before they would send me any of the XXXX XXXX and that I would have to submit receipts to get any of that. I asked them what would happen with the remainder should I complete the repairs below the amount paid by the insurance company and I did not get a clear answer, I get the feeling they are acting in bad faith and again plan to apply that remaining amount to my mortgage. Meanwhile I am scraping ever cent I can together, with each paycheck to try and repair this place. This is not fair and it is further victimizing people that have had their life devastate. My mortgage company goes by the name Human Mortgage but they are actually First Community Mortgage, the contact info I have for them is XXXX and I have to send emails attention XXXX to get the attention of my case manager.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 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. My information was also impacted by the 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 2020-01-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on my credit report it says XX/XX/2017 Account Resolution Services I never signed with his company and have no knowledge of the company

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 2020-01-10
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan of {$4000.00} to be paid back @ {$250.00} every 2 weeks. 
Instead of the loan going down after XXXX payments my loan amount went up to {$4500.00} I was informed that they charge a " Per Diem '' fee of anywhere from {$16.00} to {$20.00} per day till the loan is paid off. My APR was set at 148.03 %. I was also told some people are charged up to 299 % APR fee. Is this legal? I believe this company is offering predatory loans.If I pay them according to the way they are charging me the loan pay back is {$11000.00}. 

Please Help before they ruin my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Following a payment to avoid foreclosure my statement dated XXXX XXXX 2015 showed a balance due on XXXX of - {$150.00}. The following statement dated XXXX XXXX 2015 shows a past due amount of {$3000.00} and total due of {$5600.00} despite the prior month not having a balance due. Due to this statement error in XXXX, my payments have not been applied correctly, and I am currently showing as 30 days delinquent. 
I contacted the loan servicer when I noticed the error on XXXX XXXX 2015 and was told that they are unable to see the statements and that I must resolve the matter via email. I followed the instructions and sent the email with the attached documents on XXXX. Since then I have not received a communication from the loan servicer regarding a resolution to the matter. I believe a month and a half is more than enough time to get this resolved. 
I called customer service again today regarding the matter and requested to speak to the department noted in the last email as looking into the matter ( payment department ). I was informed that I am unable to speak to someone in that department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Freedom Mortgage corporation that was purchased from XXXX XXXX XXXX. During this time they have increased my payment by {$1000.00} a month that I am not longer able to afford. They says it was due to a shortage in taxes. I have documentation where all taxes were paid and they are paid in full. They will not lower my mortgage payment back to the original amount. I can no longer afford no qualify for this loan amount and I have done nothing wrong.

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 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT THERE IS AN INACCURATE ACCOUNT THAT IS BEING REPORTED ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-04-19
Company: Winklevoss Exchange LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Opened an account with Gemini on XXXX XX/XX/XXXX. I sent them an image of my drivers license that day to begin the process of verifying my identification. While I was in the process of being verified, I was able to ACH {$500.00} a day from my checking account to my Gemini account so I made deposits of {$500.00} on XXXX, XXXX, and XXXX XX/XX/XXXX ( {$1500.00} total ). On XXXX XX/XX/XXXX, I received an email that there was an issue with the documentation I had submitted ( image of drivers license ) and I needed to go back to the site and resubmit it. I took a new photo of my ID and resubmitted. As I was trying to upload the documents the website said my account was closed. I then received an email also saying it was closed and to get my funds back I needed to contact XXXX. I have emailed that address and left messages through the websites help feature but have received no response as to why my account was closed or how I get my funds out of their exchange. The website offers no chat features to talk to a representative nor do they advertise a phone number for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Prosper Marketplace, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an extension of credit today for personal, family, and household use and was denied by XXXX XXXX Prosper Marketplace Inc XXXX According to federal law in accordance with the Equal Credit Opportunity Act, it is against the law to proclaim adverse action against a consumer. I, a natural woman and living soul issued value ( my social security number ) for a request of credit and am demanding proceeds be paid. An offer of credit was extended and accepted but XXXX failed to perform as agreed. I have XXXX given unalienable rights, and nothing trumps those rights. I have attached my denial showing evidence of discrimination, making XXXX criminally liable. I have also attached my adverse action letter stating XXXX rectify this affair, otherwise this would be considered an unauthorized use since I received NO BENEFIT!

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 2020-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been receiving phone calls from various numbers associated with Portfolio Recovery for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call XXXX or 5 times back to back and outside of the allowed times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had charges on my account that were from fraudulent companies and I was trying to stop them from occurring. I called Fifth Third bank to freeze my account, and they would n't so I had to pay for XXXX stopped payments. The payments did not get prevented and it was a waste of {$130.00}. I wanted to close my account, but they told me it would take 48 hours and within that time, if a transaction came through, they would open it again to let it go through. 

I then had to open XXXX investigation cases on the payments that I tried to get them to stop- because of this I had to open up a new account to move my money. They linked my current bank card to the new account and were mailing new checks that took over two weeks, and because I had no access to the full account number online and no checks, I could n't switch all of my payments over to the new account. I had to continue to use the old account in order to get my personal business done. One night after work, I made an ATM deposit using the only card I had, which was tied to the new account and because the deposit did n't go into the old account per say- and I could n't transfer funds until the next day, they charged me almost {$300.00} in overdraft fees on my old account. 

I tried to go in a bank branch and reason with them, the manager of the branch told me he had no power to reverse anything. They also had in the past, charged me fees for their own fees!! Such as the stopped payment fees- they charged me overdraft fees on my old account for the stopped payment fees they charged me. Everything is charged to me by this bank over and over again- they find any reason to take money from the customer- they are serious crooks. 

I ended up closing my accounts with them and I still have one account that was the original account I tried to close and now it 's negative {$1500.00} from all the overdraft fees they charged me, since I was not paying them for almost {$300.00} in overdrafts a couple of weeks ago- they would n't reason with me at all. I hate this bank and I do n't want to pay them a dime more. 

Please help.

Company response to consumer: Closed with explanation