BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Rewards

Complaint:
After paying annual fees for many years to Diners Club - run by BMO XXXX - I attempted to redeem points for miles. I completed my transaction only to receive an email receipt stating the transaction would take 2-6 weeks to complete. I needed the transaction immediately. I called the company within an hour of the transaction and they said they could not refund the points to my account, even though the transaction had just taken place and even though they did not disclose anywhere on the purchase pages that they time frame would take 2-6 weeks. I went through XXXX levels of customer service people for over an hour and all they would offer me was my annual fee back. I am not out XXXX miles - the equivalent of {$750.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: AZ
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:
XX/XX/2017  - ( {$25.00} ) My credit card company declined an automatic payment from my internet service company for the month of  XX/XX/XXXX . Due to the payment decline, I got charge with a {$25.00} fee. I contacted my credit card company about their system error, and they refused to accept the responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RECEIVEABLES PERFORMACE CONTACTED ME ABOUT A DEBT THAT I HAD, THEY ASKED ME TO PAY THE DEBT AND THEY WOULD REMOVE IT FROM MY CREDIT REPORT THEY ASKED FOR A PAY TO DELETE. I PAID THE DEBT AND THEY DID NOT REMOVE IT, IT IS STILL SHOWING ON ALL THREE OF MY CREDIT REPORTS. IT NEEDS TO BE DELETED AS PER THE AGREEMENT WITH THE DEBT COLLECTOR.

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 2022-02-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days since I sent my letter and I have yet to receive a response. I'm not sure if my disputes are being ignored and I am being taken advantage of. It is stated in section 611 ( a ), that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 60 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. I feel that these accounts are adversely affecting my credit report and costing me countless dollars in interest. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have communicated multiple times with XXXX XXXX times beginning in XX/XX/2020 about their inaccurate reporting. Relative to me having modified my mortgage loan with them. XXXX maintains that it is not XXXX  that is responsible for this inaccurate reporting and is XXXX XXXX. From whom they bought this mortgages servicing rights. XXXX  and only XXXX  is reporting that I modifies my mortgage. XXXX mortgage is not reporting a modification at all. Please see my attached credit report as evidence both XXXX  and XXXX XXXX  are on it.

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 2022-02-21
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sale packages of meat for a living and on XX/XX/2021 I sold a package to a customer by the name of XXXX XXXX XXXX, for the standard {$250.00} fee. The funds were given to me via personal check from XXXX in the amount of {$250.00} and was dated XX/XX/2021. I went into my usual Mountain America Credit Union that I have always banked with to cash the check. I received the {$250.00} in cash and went about my day. Almost 9 months later I received a notice from a XXXX XXXX XXXX Utah legal defender, XXXX XXXX, stating that the check was cashed for {$1200.00} and that I was facing up to three years in prison being charged with Theft By Deception. I was able to pull a copy of the check and it does appear that someone had written a line in the numeric box amount on the check making the amount appear to be {$1200.00}. The legal line # XXXX however was written out as Two hundred and Fifty dollars. I did not receive an extra {$1000.00} as I am being accused of. I do not know where the extra $ 1,000.oo went but I do believe this to be a bank error as the legal line had the amount written as two hundred and fifty dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I began reporting discrepancies and disputing incorrect items on my Credit Report ( s ) to EACH of the three ( 3 ) Agencies ( XXXX, XXXX  & TransUnion ) in XX/XX/XXXX. 
To date, XX/XX/XXXX, NO RESOLUTION has been achieved from any

of these three ( 3 ) Agencies. I have sent as Many AS Many as thirty-five to some. I now believe I am the VICTIM of " AGE DISCRIMINATI
ON ''

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 2015-07-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am filing this XXXX dispute in referenced to the accounts listed above in my original dispute to Experian. I have disputed these alleged accounts information as inaccurate with Experian, and Experian has come back to me and stated that you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, along with XXXX XXXX XXXX myself and have been unable to get them to verify that these alleged accounts are indeed my debts. 
I enclose copies of my requests for them to " Validate '' my debts, and the receipts showing that I sent these letter certified signature request. These alleged debts are not mine and I was given any evidence of my obligation to pay this debt to the collection company 's listed above in my original dispute letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-11-25
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.

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 2022-02-21
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: Account information incorrect

Complaint:
This XXXX XXXX account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal

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 2022-02-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX BANK NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid {$290.00} on XX/XX/2022 in person at XXXX XXXX. I have made repeated phone calls to XXXX and Security Credit Systems, to have the debt removed from XXXX, XXXX and XXXX. It shows unpaid on all 3 reports and my score is severely decreased because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I attempted to get a refinance mortgage. Amerisave charged me {$420.00} for an appraisal and then proceeded to send me inaccurate paperwork. They did this 3 times and when I told them I could n't sign inaccurate paperwork they closed my loan application saying I did n't respond. I have contacted them XXXX times and they are refusing to contact me back. I looked up Amerisave Mortgage and there was a lawsuit by the CFPB that Amerisave lost forcing them to pay a large amount of money for illegal practices such as this. Well, they still are doing so. I would like my money refunded.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28
Company: Professional Recovery Management
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed these accounts with Fox Collection Center ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. This company is reporting terms on my credit reports and I have never entered into any contract with them. Additionally, consumer law states that collection agencies may not report terms on my report unless I have indeed entered in a contract with them. I have never heard of this company. These erroneous, inaccurate, unverifiable accounts must be removed from my reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Account information incorrect

Complaint:
This XXXX XXXX account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from FABCO. I had previously disputed this account. I have never done business withFABCO. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My daughter XXXX received her annual escrow statement from Fifth Third bank with a substantial increase in mortgage payment. Partially due to an increase in property taxes and insurance but a large portion relates to the cushion analysis for the upcoming year. The concern is that the ending balance in the XXXX projection does not agree with the beginning balance of the XXXX projection. After almost 2 months and trying to resolve this with Fifth third I was able to determine that they had deleted one months escrow payment from the calculation. I have emailed this information to them for correction. However, they are not returning my calls or responding to emails. I have delt with XXXX XXXX, her supervisor XXXX ( I believe the last name is XXXX ) and another supervisor XXXX, who would not provide a last name. I analyze my daughters escrow every year and XXXX with 28 years of experience. Fifth Third was unable to answer ( or unwilling ) my questions and this has been a very frustrating experience. I am not sure they will ever resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Avant Credit Corporation
State: MI
Product: Payday loan
Issue: Can't contact lender

Complaint:
I took out an online loan with AVANT in the amount of XXXX simple interest being charged at 35.9 %. I live in the state XXXX. Avant later posted rates for the state with similar score and profile as mine in the amount of 29 %. I requested information from AVANT on how my rate was determined. The request was made by phone. I made a second request, and subsequently a third request. I was told it would take 45 days to respond. I called on several occasions and asked to speak to a supervisor. I did not receive a call back and AVANT sent me a response after the 3rd request over 60 days later regarding an answer to my question, how was my rate determine. The answer by AVANT referred only to it is determined by the computer system. I re-applied for a refinance to lower the rate recently with AVANT. My credit profile is stronger, my debt lower, and my payment history has been excellent the past 6 years. In order to refinance, AVANT states you have to take out an additional {$1000.00} above the current amount of your outstanding loan. I was denied the ability to refinance to the lower rate. Again, rates posted are lower than the rate I was given. Avant does n't respond to the borrower 's, effectively nor timely. The underwriting process to determine rates is not systematic and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I lost my card. Somebody had deposited fruadulent checks and cashed them in a different state fifth third bank stated they would fix the problem. they sold my account to a collection agency and the thief also took XXXX out of my savings

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I got a change of address notification in the mail that I did not authorize. It was the same address but a different date that they changed my mothers account without authorization! This account has been closed since XX/XX/2014 however I do have XXXX other accounts with fifth third!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: IL
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. 

Account # XXXX : XXXX XXXX XXXX XXXX, have violated my rights. 
Account # XXXX : XXXX Bank XXXX, have violated my rights, Account # XXXX : XXXX XXXX XXXX, have violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation