BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: GUARANTEED RATE INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have bill pay set up to pay my mortgage monthly to Guaranteed Rate. I have made XXXX payments, and both have been posted and mailed from my account according to my bank XXXX. Guaranteed Rate claims to have not received the XXXX payment, while XXXX has verified that the payment has been sent. Guaranteed rate now has listed my account as delinquent, and charged me a fee of XXXX {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Empowerment Ventures, LLC
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
They had scheduled maintenance on XXXX/XXXX/2015 from XXXX, however, the provided time slot was extended to XXXX. XXXX came, and nothing changed. I received an email at XXXX stating we can utilize the card now, but still can not use the mobile or online services. That was not correct. It is now XXXX/XXXX/2015 XXXX and I have access to nothing! I was supposed to receive my direct deposit today, now I 'm not even sure if I 'll receive it at all, if that is the case, I would be delayed by almost 2 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
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:
I have sent numerous letters to Equifax, XXXX and XXXX with no response about removing old addresses that do not belong to me : XXXX is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurately : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax is reporting inaccurately XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-22
Company: RFNA, LP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan in XXXX of 2021. I made my payments on time every month. There is a 14 grace period. My loan payment was always made within this grace period. The payment is due on the XXXX and they start calling on the XXXX. Even though the grace period is 2 weeks out. I have always answered and told them when I would make the payment. In XXXX I had some car issues and Since then I have had to make the payment towards the end of the grace period. I explained this last month. I scheduled a payment through the office. The next day they called again because they forgot or did not note the account. I asked if it would be possible to move my due date and he said it would not be a problem. He would checked it. He stated he could change it and said he would mail me a confirmation. Never received the confirmation. My mail has been messed up for months so I just assumed I didnt get it. Here comes the XXXX of XXXX and I have received 25 calls. I didnt answer because again this is a failure on the part of the business. I am not sure if they just lie, and say whatever? If they just dont do the job, or what the issue is. Today at work I received a threating message about sending me to court. Mind you I am not even 30 days late. I took a second job and awaiting my pay to make the payment on Monday. I called back and as always it went to voicemail. I left a message stating I would make the payment on Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Tuesday, XXXX XXXX, 2015, I cancelled my Internet and TV service from XXXX and verified that I had a XXXX balance with the account representative. Indeed, XXXX 's partner ( XXXX ) actually processed a refund for money I was due. However, on XXXX XXXX, 2015, I received a bill collection notice from Convergent Outsourcing ( which may be owned by XXXX ) stating that I owed {$410.00} for non-payment to CenturyLink, even though no notice of any such debt was ever presented to me from CenturyLink. I believe the attempt to collect this non-existent debt is simply XXXX " punishing '' me for choosing a different Internet and phone service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 {$240.00} was paid out of my savings account at Capital One to XXXX XXXX. This was not an authorized payment and I have no relationship with XXXX XXXX. I have no idea of why this transfer was made. 

I have spent many hours speaking with multiple agents at Capital One regarding this matter. I have also requested the alleged proof that I requested this transfer and they promise to mail me the proof and fail to follow up. 

I am extremely frustrated by this process and I am very concerned that another financial institution can so easily withdraw money from my savings account without my knowledge or consent. 

I have requested to escalate this matter and have requested a call from a supervisor but I only get connected to random representatives sitting in XXXX XXXX. 

This is not acceptable and should not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: CORELOGIC INC
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by CREDCO on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. CREDCO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax reports the following accounts in my name as collection/charge offs. I do not have accounts with these creditors and I 've repeatedly stated that I was not working in this country since XXXX 2003. These accounts are not mine and may be the product of identity theft. It does state that consumer disputes the accounts but this has been labeled for quite some time. 
XXXX XXXX $ XXXX XXXX Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
XX/XX/2022, a challenge letter was mailed to TransUnion via certified mail # l : XXXX XXXX XXXX XXXX XXXX. After waiting 30+ days a non-response letter was mailed XXXX, XXXX. To date, I've yet to hear from TransUnion regarding the request to verify the accuracy of the information they report. According to law, they are to remove all disputed information if they do not reply within a reasonable fashion.

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 2016-08-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have contacted Equifax in the past. I have a loan with XXXX XXXX opened on XX/XX/2014. This loan has never been late. And is paid 3 months in advance. They have this loan reporting as never paid in Bankruptcy. This is not correct. Even the creditor has contacted them to try to get this information corrected attached is a copy of a lett from XXXX XXXX. The information need to be corrected. its been 4 months and many long hours and nothing fixed. I need assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: NRA Group, LLC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
WE TOTALY AGREE AND WE ENTIRELY IDENTIFY OURSELF WITH THE Prepared Remarks of CFPB Director XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX BECAUSE THATS EXACTLY WHAT HAPPENED TO THIS LOAN MODIFICATION. 
IT WAS STUCK IN THE FINANCIAL CAOS OF XXXX. 
SEE ATTACHED Document. 


OUR ACCOUNT OF EVENTS : WE PURCHASED THIS PROPERTY IN XXXX FOR {$420000.00} WITH A LOAN FROM XXXX, THE BIGGEST LENDER IN THE COUNTRY AT THE TIME. 
IN XXXX XXXX COLLAPSED AND XXXX  XXXX XXXX INHERITED MILLIONS OF XXXX LOANS. 
IN XXXX WE LOST OUR EMPLOYMENT AND WE DEFAULTED ON OUR OBLIGATIONS. 
WE HIRED THE " LEGAL HELP GROUP '' WHO PROMISSED TO SAVE OUR HOME AND DELIVER A LOAN MODIFICATION. 
WE SPENT 2 YEARS FAXING UPDATED FINANCIAL INFORMATION BUT NOTHING WAS DONE BY THE LEGAL HELP GROUP. 
WE THEN APPLIED DIRECTLY TO XXXX  XXXX XXXX. 
TWO YEARS PASSED XXXX  XXXX XXXX FAILED TO DELIVER. 
THE LOAN WAS TRANSFERRED TO SHELLPOINT MTG. 
SHELLPOINT MODIFIED THE LOAN SIX MONTH LATER, WHICH WE ACCEPTED IN PRINCIPLE BUT WE NEVER RECEIVED THE TERMS OF THE LOAN FOR OUR REVIEW.

THIS IS WHY WE HAVE REQUESTED A VALIDATION AND VERIFICATION OF THE ENTIRE HISTORY OF THIS LOAN WHICH WAS DISTORTED DURING THE FINANCIAL CRYSIS OF XXXX. 
THIS HOME WAS MEANT TO CARRY US THRU THE RETIREMENT YEARS INSTEAD THE TOTAL AMOUNT DUE IS NOW AT A WOPPING {$800000.00} WE NEED ALL THE HELP WE CAN GET FROM CFPB, SHELLPOINT AND XXXX  XXXX XXXX TO GENERATE A LOAN MODIFICATION THAT CAN TAKE INTO ACCOUNT THE UNFORTUNATE EVENYS OF XXXX AND XXXX AND DELIVER A MODIFIED LOAN WITH A TOTAL AMOUNT DUE NOT GREATER THEN {$150.00}, CALCULATED BY XXXX. ( SEE XXXX ESTIMATE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$500.00} Balance updated XX/XX/2022 Account number : XXXX In accordance with The Fair Credit Reporting act XXXX Account number # 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.

I demand this be taken off my report 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 2015-11-30
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A derogatory collection account was made on my credit report after original creditor confirmed my insurance company HAD NOT cancelled my policy and they just forgot to bill them. I was told there would be NO collection action or derogatory marks on my credit report yet I now have a delinquent account. I have called Fidelity multiple times to try and get someone to help but they continuously transfer me to OTHER CONSUMERS by accident. The most recent time this happened was TODAY when I was transferred to another consumer named XXXX XXXX who had also been trying to resolve a matter with Fidelity that was very similar to mine. In addition, for the past couple of weeks, I was getting calls and voicemails from a person looking for someone named XXXX. It turns out the person calling me is XXXX and she was looking for Fidelity as well. She was being transferred to me by Fidelity employees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to the FCRA derogatory or negative items over 7 years old are to be removed from the credit reports. The listing with XXXX Acct # XXXX with an original credit limit of {$12000.00} & XXXX Acct # XXXX with original credit limit of {$29000.00} should have been removed from my credit report on XXXX of XXXX. I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. 
For the XXXX listing with a credit limit of {$12000.00} according to my Equifax report dated XXXX/XXXX/XXXX this listing shows that the first date of continuous delinquency was XXXX of XXXX. This item should have been removed from my credit report 7 years from that date ; by XXXX XXXX. It 's now been over 8 months and this continues to report on my file despite that it 's been over 7 years. Furthermore, by XXXX reaging this item clearly violated my consumer rights per the FCRA. In my dispute letter I included a print screen showing how they reported the item in XXXX and how they have re-aged it and are inaccurately reporting still. 
For the XXXX listing with a credit limit of {$29000.00} ; according to my XXXX report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, XXXX XXXX, has violated my rights.

15 U.S.C 16581 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 2021-09-06
Company: Tower Loan of Mississippi, Inc.
State: AL
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 had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. Tower loan - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over XXXX in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part

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 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 a skimming device was inserted into the Bank of America ATM at XXXX XXXX, California. My information was taken and then subsequently ATM withdrawals of {$400.00} ( XX/XX/XXXX ) + {$400.00} ( XX/XX/XXXX ) + {$400.00} ( XX/XX/XXXX ) + {$200.00} ( XX/XX/XXXX ) at the Bank of America ATM at XXXX XXXX California. 

In Total {$1400.00} was removed from my EDD card due to this scheme. I was researching this and it seems to be prevalent with California EDD Cards. Both of these locations have cameras, and i would like my funds to be credited back to me. 

This is my unemployment money, and now I have to forgo paying my bills. 
My email is XXXX XXXX phone number is XXXX. 

I have contacted Bank of America, as well as the XXXX XXXX and XXXX XXXX Police Departments. 

Thank you. 
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 monetary relief
Consumer complaint received 2016-05-04
Company: COMMERCE BANK
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company sent out a 50 % settlement offer for the full debt XXXX XXXX. I sent a check back with the amount, {$560.00}, and the company accepted it only as a partial payment, claiming they had no record of any debt negotiation. I thought I had made a mistake in the process, so I did nothing. Company again sent a 50 % offer for the remaining balance, so I was more diligent in sending the acceptance quickly and sent them a check in the amount of {$280.00} with the enclosed offer. Company again accepted it as only a partial payment, not an acceptance. When I called to inquire, Company told me that sending in a check did not constitute acceptance, and that I had to actually confirm the acceptance over the phone. My issue : sending in the checks unequivocally constituted an acceptance of the offer and were conditional on the settlement of the debt. Company is negotiating in bad faith and making up their own rules of acceptance. Offers never said anything about being conditional on further negotiation or acceptance over the phone, only that the checks would have to be received by a certain time.

Company response to consumer: Closed with explanation