BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Pro-collect stating I have an unpaid balance of {$12.00} that was sent to collections from XX/XX/2021 with XXXX XXXX and that I needed to pay it over the phone or via XXXX by the end of the day. They told me to go onto procollect.com to verify that account information, however the number that was given did not fit their form XXXX. 

I then called XXXX and they did not have me as a previous account holder, but did indicate they work with procollect. The only energy account I had at the time was XXXX XXXX and they are no longer in business. I have never been late on a payment and therefore I just want to verify if it is real or fraud to clear it up. 

Pro-collect phone number : 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 2023-10-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Since the latter part of XXXX, I have been making my mortgage payments in two payments on the two days of the month that I get paid, which is considered partial payments. With partial payments the way I pay which is on the XXXX and the end of the month ( XXXX or XXXX ), there is always a late fee. When I make my mortgage payments I incorporate the late fee. For example my mortgage payment is {$3500.00} and the late fee is {$89.00} for a total of {$360000.00} - this grand total includes both mortgage payment and late fee. My partial payments are split in two payment {$1800.00} for one payment and the other is {$1700.00}. which equals {$3600.00}. On some months I have paid {$1800.00} twice which equals $ XXXXwhich is the late fee and an extra {$88.00}. It was easier for me to pay the double {$1800.00} so I have been doing that for months only to find that Mr. Cooper is stating that I owe them {$260.00} in fees ( please see attached ) Also each month it says that I have 3

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2022 I initiated a balance transfer from Capital One to XXXX in the amount of {$1000.00}. However, a mistake was made by XXXX or myself, I'm not sure, and another transfer was sent from Capital One to XXXX in the amount of {$3600.00}. This transfer was intended for my XXXX card. Capital One accepted both transfers and I ended up with a credit of {$3600.00} and a {$0.00} balance on a credit card that only had a limit of {$1000.00}. I contacted Capital One to ask them what happened, why would they accept an overpayment by almost 4 times the credit limit and what could we do to remedy the situation. She said they would have to cut me a check for the overage which I said was fine. A few days later my account was 100 % restricted and now being investigated by their fraud team. They told me they needed my ID and proof that the payment came from me which I did the same day I received the email. They wanted a copy of my statement proving the payment. However, since the payment was so recent, it wasn't showing up on my statement yet so I sent them a screenshot of my account showing both payments : {$1000.00} and {$3600.00}. Days passed and I didn't hear anything and my account was still restricted. I called them back which they then told me they wouldn't accept the screenshot. I had no other way to prove the payment came from me until my statement came out. As soon as I received my statement showing the payments, I sent it to Capital One. Again, I heard nothing back from them so I called. I was told the statement wasn't good enough because it didn't show my account number. I asked if I could send a photo of the front and back of my credit card in which the payment originated. He said yes and this would be the last time I would need to contact them. It's 4 days later and the account remains the same. I called again today and I was told it would take ANOTHER 7-10 DAYS to review my account. 

This is positively ABSURD. Capital One received the payment from my other credit card XXXX. I've sent them AMPLE information to prove this payment came from me which is also ABSURD. I don't care about my account with Capital One. As soon as this is resolved I'm closing my account and putting them on full blast on social media and anyone else I can affect their business with the truth of my experience. What I want is MY MONEY BACK. They owe me {$2600.00}!!! That money was intended to pay off another credit card and because they are holding it without cause, I am now paying interest on that money. I've done everything they've asked me to, the same day they ask me. NOBODY has reached out to try to resolve this situation, it's me reaching out to them a minimum of XXXX times. What they are doing should be illegal and they should be charged with a crime. 

Please help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: VA
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 unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX {$26000.00} ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXXXXXX XXXX Balance : {$28.00} ; XXXX XXXXXXXX XXXX XXXX : {$34.00} ; XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: In progress
Consumer complaint received 2023-09-25
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a blanket complaint that I think will affect many consumers. 
XX/XX/2023. I'm trying to access my Chase Visa account online, as I do every month ; When I tried to log in to my online account today, I was told that the company had updated its disclosers and agreements and that " If you don't accept them, you won't be able to see or manage your accounts online. '' The first agreement was 125 pages. 125 pages!! Who XXXX XXXXXXXX has time to read that when all they want to do is check that a refund posted to their credit card?? 

The second agreement was 10 pages. 

This XXXX XXXXXXXX, designed to XXXX the consumer by hijacking their account from basic access until they agree to whatever terms the company randomly decided on. I don't have time to read XXXX total pages of agreements written in legalese - when all I want to do is have valid access to my account in the manner I ALWAYS access my account to check on the status of a refund. 

I get that terms get updated -- but forcing people to agree to something they do NOT have time to read? XXXX XXXX XXXX 

I submitted a complaint online, but do not have several hours to waste trying to explain this problem to a account rep who will just transfer me to several other people while they try to " figure out '' my problem. My problem is this is just WRONG -- and you are holding my account information hostage from me -- it's MY ACCOUNT. All I want to do it check a refund. But I can't see anything because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX {$26000.00} ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXXXXXX XXXX Balance : {$28.00} ; XXXX  XXXX XXXX XXXX : {$34.00} ; XXXX XXXX Balance : {$2000.00}

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 non-monetary relief
Consumer complaint received 2023-09-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There was a data breach and the company that I use for direct deposit through my work had their files stolen and my checking account number was released to the world wide web. I called in the regular number- the woman that answered had an accent - seemingly they've outsourced to the XXXX as well. She literally told me that there was nobody that could talk about that and to go in to the bank. 
Obviously this is very time sensitive. I was extremely surprised at the way this was handled. I currently don't have a clear answer on how to resolve this and banks are closed this weekend due to the transition over to BMO, so I can't actually go to a bank.

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 2022-07-29
Company: EQUIFAX, INC.
State: IL
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 am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following accounts on the credit report are incorrect.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$14.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$27000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account was disputed, got deleted and reappeared on credit report with a different amount of what the collection agency ( XXXX XXXX ) sent me and also account is showing open when in fact its already in collection.

15 USC 1681 Section 602 A : States i have the right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

1 ) account cant be in collection and still remains open 2 ) Agency violated my rights 3 ) Agency failed to mark account as disputed 4 ) Account has differnt amount from what the collection agency sent me on letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CITIBANK, N.A.
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:
Late payment showing on all three credit bureaus Amex/CBNA acct. XXXX XXXX XXXX XXXX  XXXX Macys/CBNA XXXX XXXX XXXX Retail acct. # XXXX In violation of 15 usc1681 section 602 I have the right to privacy 15usc1681 section 2-It also states a consumer furnish an account without my written instructions 15 usc1666b A creditor may not treat a payment on a credit card and open-end consumer credit plan late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: APG Financial Inc
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I sent the attached request to APG Financial and they received the request on XX/XX/2023. I have not received any correspondence back. The information in my consumer report is reflecting inaccurately. I would like this account to be investigated as according to my records it is reflecting inaccurately and I havent been able to get in contact with the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Fay Servicing, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX & XXXX, XXXX I had " Cancelled '' the loan in question due to many, many errors regarding the loan within the XXXX day period and was acknowledge by XXXX XXXX XXXX in writing per the attached documents dated, XX/XX/XXXX & XX/XX/XXXX, requesting us to sign new loan documents. XXXX XXXX XXXX, XXXX XXXX XXXX and now Fay Servicing documents are back dated ; altered ; wrong loan numbers ; XXXX illegally signed by Notary ; Adjustable Rate Note page XXXX has "? " ; Good Faith Estimate was for a VA Loan for XXXX years NOT a first and second ; reasons why I cancelled. 

See attached XXXX and Error Resolution Notice Under 12 C.F.R. 1024.34, dated XX/XX/XXXX and XXXX XXXX XXXX dated, XX/XX/XXXX, and as of today 's date NO response from either XXXX XXXX or Fay Servicing with the XXXX  days per RESPA. 

XXXX - Tried to refinance with XXXX XXXX XXXX XXXX and like the previous years could not get pass the Title / Deed XXXX - Tried to refinance with XXXX XXXX XXXX and like previous years could not get pass the Title / Deed process. 

So how can Fay Servicing Foreclose on a Title / Deed that is illegal? 

The Government has fined each one of these servicing companies for violations that are still going on : XXXX : US District Court for the District of Columbia XXXX XXXX No. XXXX XXXX XXXX XXXX : US District Court Eastern District of New York XXXX XXXX. XXXX Fay Servicing LLC : XXXX CFPB Administrative Proceeding XXXX No. XXXX The following are CFPB Complaints : XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX- XX/XX/XXXX : XXXX Fay Servicing - XXXX : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following accounts on the credit report are incorrect.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$14.00} XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} ;

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 non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: IL
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 am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following accounts on the credit report are incorrect.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$14.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} ;

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 2022-07-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX credit card company call everyday multiple times a day. I told them Im not working right now and dont have the money. They ask me how am I paying all my other bills like rent and why wont I just borrow from someone else. They are very disrespectful and the excessive calling is damaging

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
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 appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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