BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: TN
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:
Equifax, XXXX  and XXXX  failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrec

t reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit
report or update the late payments to paid as agreed,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my personal cell phone XXXX or more times a day. They call my job and leave embarrassing messages with my coworker. They call my husband 's cell phone twice a week or more and today XXXX/XXXX/XXXX they called my husband 's job. This has been ongoing since XXXX. I have asked them to stop calling my friends and family and they wo n't stop. It is always this lady named XXXX who crosses the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: IL
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
I purchased XXXX appliance and I submitted rebate forms to get {$200.00}. I received citi XXXX debit card. The card expired and I contacted the customer service and they told me they can not do anything about it. Prepaid debit of {$200.00} disappeared! Can they do that?

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 2022-05-23
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2022 Just Received a letter from XXXX XXXX XXXX from XXXX SC First Citizens Bank branch. The letter informed me now they are closing all my accounts, its comical because I called them out on them stealing my money and now they just want to close my accounts? It seems like to me the discrimination and the lack of competency has become too much for this bank and this branch specifically to handle. I have had many banks in my life and this bank is by far is the most incompetent, disloyal, and consistently demonstrates a lack of integrity in all their affairs. This Bank shouldn't even exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ashley Furniture continues to contact me, calling for someone other than myself, and will not remove my number from this person 's account despite my having stated multiple times that that person no longer works here. It is disrupting to have them call when I am trying to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have run into a deceitful issue dealing with Wells Fargo on my mortgage. Since we reached the 78 % of the LTV ( Loan-To-Value ), through normal amortization and met the requirements to remove the Private Mortgage Insurance PMI, ( No past due payments, loan aged more than 27 months ), we sent a letter to remove the PMI from our loan, but Wells Fargo said that was not possible because we still have more than $ XXXX to go. 

When we saw the Wells Fargo answer, we reviewed the loan documents and discovered that when we refinanced back in XX/XX/XXXX they used the XXXX loan amount from XX/XX/XXXX as the home appraisal which presently differs of more than $ XXXX. In the other hand, we did not received the amortization schedule of the refinance, even if we have been asking for the document since the very beginning. 

Now their letter stated that we have XXXX options : Option1 ; Send them a check with the difference to reach their 75 % and Option 2 ; Provide proof of the value of our home value which must be determined by having an appraisal done by them, or order a Brokers Price Opinion, ( BPO ), both options at our expense. In either case, the ultimate decision is theirs and we do not have any certainty the PMI will be removed. 

We consider that the refinance process was managed improperly, based on incorrect very ambiguous and distracting information, so that guided us to take misleading decisions like the PMI not being discussed. Are we alone, or is there anything we can do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Over XXXX phone calls in last appox 120 days. I advised them when returning phone calls of bankruptcy ( XXXX 2014 ) discharge. Supervisor said i was crazy and I initiated all phone calls.I have ignored the calls, but i am getting calls now early a.m on weekends. They also read me my attorney 's name address and number without my providing it, so they know of my discharge info without me giving them details. Portfolio Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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 already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$9500.00}

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 2015-08-14
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XX/XX/XXXX, I have been consistently paying half my mortgage payment every 2 weeks. The amounts would go into a suspense account, and then when the funds reached the amount ( or more ) of my monthly payment, they would properly apply the amount to principle, interest, and escrow. 
Starting on XX/XX/XXXX, PHH Mortgage has been applying my partial payments directly to the principle of my mortgage loan ( without going into a suspense ) even though the balance of the suspense account would have been more than my monthly payments. I even made a full payment ( exceeding my monthly payment ), and they incorrectly applied that directly towards principle. Apparently if they do n't receive the EXACT monthly payment amount, they have no idea what it 's for and they put the amount towards principle, even though there has been absolutely nothing I said about a " principle payment only ''. Obviously I 'm not going to be making principle only payments if I have n't even paid my monthly payment. 
They have also incorrectly applied somebody else 's weird payment amounts to my account, payment amounts I have never ever made. They have since deducted those amounts from my account, but it simply astonishes me that they ca n't even apply someone 's payments to the proper account. 
I feel like this kind of business practice is predatory and designed only to get the consumer in trouble. I ca n't believe they treat their customers like this, let alone a military veteran like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: ResidentCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I never get any letter or staiment about thse bill so I never have a chance to pay balance.becsuse I never know I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I signed up for the credit card offered through the website XXXX when I was looking for airfares and was approved. Sadly though my experience with the credit card has been awful. Trying to pay my credit card statement was awful. I have been using XXXX and XXXX XXXX cards for years and have never had a single issue with payments or connecting with banks for online payments. When I attempted to connect the bank account I would be using for payments the master card website showed the wellsfargo account as an option for payments. It appeared that I was able to connected XXXX XXXX checking account with the XXXX XXXX card online before a payment was due, I was never informed there was an issue, in fact once I attempted to make a payment online ( several days before a payment was due ) XXXX XXXX Card sent me an email to notify me that a payment was pending, then within a few days on XXXX XXXX 2016 I received another email from XXXX Card informing me that payment was received and applied to my credit card. Seemed like everything was ok until today I go online to look at my statement from XXXX XXXX Card and it says " Your payment is past due '' and they have charged me over {$64.00} in interest. I then contacted XXXXCard and they informed me that they contacted the bank XXXX and they could not find the account. But XXXX Card made no attempt to inform me of this and I later contacted XXXX XXXX and their records show no contact from XXXX. I have been using credit card for years and have never had an issue like this and I have a good credit score, I pay my bills, I pay my bills on time. I do n't want my credit score to be affected by their indecent managment and inability to communicate with their clients effectively. And I also do n't want to pay the interest as I do n't think the interest was incurred by fault of myself. I feel like they are trying to take advantage of busy people by making a simple process complicated and they offered little to no help when I called XXXX Card, instead they blamed me that I provided the wrong information. I am sorry to say that once my balance is paid I will be canceling this card and most likely will never apply for a XXXX Card again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: OH
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am livid of the way Well Fargo has handle my loan. I summited a complete modification packet since XX/XX/2016. I when trough the re-entry team and when over my financials. Once I completed the review I was told my file will be summited to the under witer for review.. However Wells Fargo has stop the process recently becasue now they want all my documents to be notorized. Wells Fargo is not giving me an explanation or the reasons why?. Therefore I need to know what are the intentions Wells Fargo has. I am willing to work directly with my processor but I feel they are not willing to work with me instead they want to foreclose my home and prolonging my case. I am in desperate need of assistance I am tired of all the excuses I been given.

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 2015-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Getting called by XXXX after XXXX. A google search determines this is a well known debt collection company. 

I do not answer calls from numbers I do not know. They did not leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2015-05-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wellsfargo is charging me a overdraft fee which I had money already in my account to cover my transaction. If I over drawn then is my account statement showing that it 's - {$31.00} Rather than the charge purchase and overdraft fee. I also had a direct depost of {$49.00} and XXXX in my checking account. And I also had couple dollars in my savings account before I transferred {$25.00} in it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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 already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$9500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: NEW YORK COMMUNITY BANK
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a mobile check depost on XX/XX/2017 at approx. XXXX in the amount of {$150.00}. The following day I received an email from my bank that stated " The funds will be held for an extended amount of time because you did not write NYCB Mobil Depost below the signature line. '' Unfortunately, I made a mistake and wrote on the back of the check " NYCB App Deposit '' instead of what the bank required. The email did NOT state a specific day that the funds would be available and the funds are not currently available as of now XX/XX/2017 @ XXXX. Tomorrow will be the 6th day that the check has been deposit and has not been cleared for me to receive my money. I have never deposited a check into this bank at any time and not been given at least {$100.00} dollars in approximately 2 days. I feel like this bank is holding my money for a ransom and it is not right and not good business. 

My checking account number is XXXX and the money was deposited into New York Community bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card
Issue: Late fee

Complaint:
I pay bills online exactly the day they are due. Barclay has decided to not accept online payments for my due date after XXXX eastern time which is XXXX for me. This has never been convenient and payments online after XXXX is my standard procedure. This problem is currently occurring and has been an negative issue for several months. I have made this problem known to the company several times and they have responded by refunding the late fees, only to make me pay the amount due and removing the fees from the balance. This method is also inconvenient because I am still having to go over budget to pay the " waived fees ''. I have complained to them about this several times and now they refuse to remove the fees. This problem is well documented within my account and their acceptance of it being a problem is well documented with the refunds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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 already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$9500.00}

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