BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I demand that these items be investigated and removed from my report. It is my understanding that the bureau will recheck these items with the creditor who has posted them. Any information that the creditor can not verify must be deleted I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter its been well over six months. The following information are incorrect. I would like it removed from my credit history report DEPTEDXXXX  Account Number : Please correct/update this inaccurate information on my credit report. 
2. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number : This account is inaccurate 3. FDCPA Section 807 violations misleading false report DEPT OF ED/XXXX Account Number : This account is inaccurate 4. FDCPA Section 807 violations misleading false report DEPT OF EDUCATION/XXXX  Account Number : This account is inaccurate and 5. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number :.

These account are inaccurate The following information has not been verified and, following failure to verify, deleted from the report as soon as possible these accounts are deed in vilation remove immediately. Stop updating Delete and Remove Inacurate reporting now. 

I have address misspell names open and closed reporting dates and so much violation to many name.

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 2021-05-15
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Trading using robinhood they closed out my account and froze trading and selling off my last assets. Was assured at teh time of closing my crypto was liquidated at current market prices and the value and blanace of which would not lose value and was assured multiple times the assets were liquidated and sold at current prices at the time of my account being deactivated during the deactivation price of my assets dropped they assured me the assets were liquidated. my remaining balance was then over XXXX less than when they said they liquidated after 3 days they reactivated my account with a heavy loss to my money because i i couldnt sell the assets because they said they liquidated and sold it already. also they freeze trading when you make too much profit wont let you sell until you take a loss they admit to all of this in the emails i have. im retaining a lawyer and probably gon na start a civil suit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit are sending these unprofessional people serve papers. When they do n't get there way they become obnoxious and rude. When we told this private and have a no trespassing sign they still ignore. When we told him to leave he holler out the window exposing our business in front of the entire neighborhood. Telling us hope midland credit sue us and take us for everything we have. My husband is XXXX and on a lot of medicine. After this he became very angry and agitated. These put look very unprofessional and always shows up on Sunday. We 've told them not to contact us because we have no original business with this company. I will be filing a lawsuit against these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: WA
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 had a bankruptcy pop up on my credit report that I did not file. I spoke to the courthouse about this matter and they confirmed that they did not verify the identity of the filer and the bankruptcy was closed shortly thereafter. I wound up needing to dispute this bankruptcy directly with XXXX. I did so and XXXX removed the bankruptcy from my personal file and provided me letters and a copy of my personal file to showcase. 

I forwarded all this information on to XXXX  directly via Certified Mail. XXXX  claims to have investigated it and verified it but since they use XXXX and XXXX has already removed it from my file, there is simply no way that's possible. The investigation process appears to be a sham, since the bureaus all list XXXX as their source of public records and I've already taken care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Synergetic Communication Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The place is called SUNEEGETIC COMMMUNICATION INC THE AMOUNT SHOWS {$480.00} date XX/XX/21 placed on credit report its not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern ; I write to you to explain a situation that I find myself in. 
Back in XX/XX/XXXX I was about to refinance my home loan. I bought my in XX/XX/XXXX, and not knowing what was going on they gave me a 1st, and 2nd mortgage, I payed my bills on time as I am supposed to, but since XX/XX/XXXX my second mortgage has been resold 3 times. Back In XX/XX/XXXX as I was getting ready to refinance my I was diagnosed with XXXX. And was out of work from XX/XX/XXXX to XX/XX/XXXX. I used up all of my savings to keep paying my bills, but I got behind from XX/XX/XXXX till XX/XX/XXXX as of now. I talked Ocwen about a refiner but they only offered me a modification loan. now I have payed my loan down to only XXXX and Ocwen sent me a modification statement where I was going to have to repay XXXX and have a ballon payment at the end of the loan of XXXX I told them that was insane I would basically be starting over on a loan that I have been paying on for 11 years. They told me I had to pay {$630.00} dollars by XX/XX/XXXX so I did that and I never heard back from them till I called them in XXXX XXXX, they agreed that no one had gotten back with to find out where I was with my loan. 
Then at XX/XX/XXXX I get a letter from XXXX that they have sold my 2nd mortgage to another company, that loan was down to XXXX dollars, now this new company is telling me that I have to pay XXXX dollars now for this new loan. It 's like every time I pay the finance charges on this 2nd mortgage it gets sold and I have to start over again with a new company. At this rate I would never pay this loan off, it just seems so unfair and no one else will refinance because I 'm behind, and Ocwen is telling me that they will not except any monthly payments until I pay the full XXXX to get the loan caught up. I do n't know what to do????? Where to turn, I feel like I 'm trapped in these loans with no hope of ever paying them off. Is there any help for me other than just walking away from these loans. I want to keep my house I have put a new roof on the house and in the process of replacing the old windows with new vinyl windows. And a lot of work on the out side that was covered up with putty and thick paint to hide all of the trouble spots when I bought this house and 11 years later they showing up big time. Any advice? What is my next move. My address is XXXX XXXX XXXX in XXXX , South Carolina . XXXX, my phone # is XXXX, and my email is XXXXXXXXXXXX please give some advice. Also I have been back to work since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CITIBANK, N.A.
State: CA
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:
Citibank 's credit card advertises zero liability on fraudulent charges. I was able to provided emailed requests to set up cancellation and cancel the service. I did message the vendor XXXX XXXX several times over a few months in email correspondence and they refused to cancel service due to the person who set up the account was the only authorized person to cancel the service. That employee is not with the company and requested no further communication from XXXX XXXX upon discharge of the employee. I am the owner of XXXX XXXX. Citibank did not honor the dispute. I then requested them to stop additional payments to the vendor. They did not. Eventually I requested them to reissue my card to get a different number of the card to stop the charges. The total overcharges were {$440.00}.

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 2022-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email from Bank of America stating they received my credit application. I call Bank of America and informed them I did not submit an application for credit. They refused to look me up by other than my full social security number. I did not feel comfortable providing my full social. The gentlemen informed me if that was the case, he couldn't help 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 non-monetary relief
Consumer complaint received 2017-10-16
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
EverBank informed us that there was a lapse in our hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. We were never notified and evidently neither were they. The bank just recently informed us. We immediately got new insurance,. The bank says, '' An insurance charge of {$1200.00} may be charged to your account for the period of time that the coverage was in force. In order to avoid this charge or have it reversed from your account, please provide us with evidence of insurance for this lapse period. '' My question, since this is an escrow account and we provided money to pay the insurance, and they did not provided forced insurance for that period, why are they entitled to keep the money that we provided for the hazard insurance? Is this legal? 
By the way, we were not informed by the insurance company that they canceled our account. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my Bank of America Auto loan in full on XX/XX/21 using a payoff quote provided to me by the bank. I receive a letter from the bank on XX/XX/21 confirming my payoff, title release card and the notification of the closing of the account. However, out of the blue, my account appears to have been reopened with a principal balance of {$99.00} and interest on top of that, without any explanation of why the account was opened again and the justification of the principal. 

XXXX Statement Summary : Ending principal balance : {$12000.00} Payoff balance : {$12000.00} Payoff good through : XX/XX/21 XXXX Statement Summary ( there was no XXXX statement ) Payment ( XX/XX/21 ) : {$9500.00} -- -- {$9500.00} towards principal and {$20.00} financial charge, i.e., {$2600.00} would be the remaining principal balance Payment ( XX/XX/21 ) : {$2600.00} -- -- this was based on the payoff quote giving by the teller, which would include the interest of {$0.00} for the 4 days ( XXXX ) Payment totals : {$12000.00} ( Note that this is just {$4.00} less than the XXXX statement payoff quote ) However, the XXXX statement has a new principal of {$99.00} and a payoff balance of {$100.00} which are not justified by any means. This is clearly an attempt by BofA to extort money/fee from unsuspecting customers. My fear, is that being a paperless customer, had I missed the emails and the fact that my account was reopened, I would have defaulted on the account for no fault of my own, impacting my credit worthiness potentially costing thousands of dollars in my lifetime and that is not accounting the time spent to resolve this issue and future issues that would have stemmed out of this. 

NOTE : the bank issued a case # : XXXX, acknowledged that the math does not add up, but has refused to accept or own the issue and has made vague promises of follow up but not necessarily resolution.

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 2022-04-30
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: Information belongs to someone else

Complaint:
There has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express closed all of my personal and business credit card/charge card accounts. I have never have any late payment, always paid in full each month, have good relationships since 2015. Now they closed my account because of business reasons. This was unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, I went to Bank of America and made a lump payment on my credit card. I had just closed on a property and was using the proceeds from the sale. On XX/XX/XXXX, I tried using my credit cards, and they were declining. I went to 2 Bank of America 's ( XXXX XXXX XXXX XXXX XXXX, Texas ), both bank managers could not help me to tell me why my accounts were closed. They only could say I was a " risk '', and bank of america has the right to close my account. They said a letter was mailed to me on XXXX the XXXX, the is the same day they closed my accounts. I didn't receive the letter till XX/XX/2021. I've called them numerous times because I had accumulated over {$860.00} dollars in points, because they closed my account without notifying me so that I can transfer my points towards my balance, they foretify my money. The last letter I received I was told it was because of my XXXX credit rating. I told them that could not be true, I had visited the bank in XXXX XXXX Texas 2 weeks prior and applied for a vehicle loan, which I did qualify for {$32000.00}. I just told Bank of America, today, when someone credits me with my cash points, which I legally earned, I will be paying the remainder of my credit card. Now bank of America has debt collectors calling 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 2017-04-17
Company: Medical Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was billed incorrectly by the hospital. I was told by the hospital that since I was admitted into the hospital for life threating condition that my insurance company would be bill as " in network ''. The hospital coded the bill stating that it was " out of network '', leaving he a large unpaid balance. After fighting with them for over 6 months by insurance agreed to pay the balance and informed me that the bill was taken care of. I have not heard anything nor received any bills from the hospital since. I was notified by XXXX that I had been placed into collections by the hospital for {$120.00} for the XXXX co-pay. My insurance company says that since I was admitted the XXXX co-pay should have been waved. I just spoke to the hospital and was told again, that since I was " out of network '' the co-pay was not waived, but could not explain why ( nor did they deny ) that they never sent me a bill for the {$120.00}. Being placed into collections caused my credit score to drop from XXXX to XXXX. This drop is causing me to withdraw an application at a local bank for a second mortgage on my house because of the negative effect the drop in score is causing to the interest rate the bank can offer. I just paid the {$120.00} to the collection agency ( that is owned by the hospital ), this is a debt that I am certain that I did not owe but restoring my credit score is far more valuable to me than {$120.00}. The inability of the hospital to code their bills correctly has cause not only my credit score to drop by XXXX points but can have long term adverse effect by showing that at one point I was sent to a collection agency for failure to pay a bill. I asked the person at the collection agency if she could note that the collection was entered in error, she replied that she could not, only that it had be satisfied. No one should have the power to damage anyone 's credit history due to their own lack of internal controls and not have the power to remove the credit bureau entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I had a home mortgage loan thru Carrington Mortgage Services and this was the worst mortgage company I have ever dealt with. So I decide to get a loan from a different lender in  XXXX   of 2016. Th e loan thru Carrington Mortgage Services has been paid off but still showing up on my credit report. I have called them and sent letter and emails to Custo mer Relations  for Carrington to remove this from my credit report. I can not get no one to do this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-14
Company: EQUIFAX, INC.
State: GA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation