BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been banking with Bank of America , N.A . since XXXX and have had not issues or matters of concern here. My credit account has been never late and without any issues or concerns. I only have one line of credit open with Bank of America, N.A and with no one else. 

On XX/XX/XXXX, Bank of America , N.A . sent me this notice out of the blue saying they are closing my account with no specific reason indicated. ( See attached email notification, I am submitting this complaint to validate this complaint. ) I now want Bank of America , N.A . to directly contract their source of bearing of information and produce such evidence to the Consumer Financial Protection Bureau in their answer and response to me on this forum or panel. No Exception here. I want to know the source name, address, and legal counsel information to support their actions or reason to close a perfect account. 

I don't want to hear due to inactivity when this account has been used in the past 12 months and has an award balance on my account. I want to know what credit bureau reporting agencies reported saying that I am not ethical and I am not paying my obligations or debt. Since, it appears as if your representative informed me over the phone that such credit bureau agencies may have reported something to you when they see that I don't owe Bank of America , N.A . anything.

I want to see the proof coming from such agencies that you believe in to show that I owe someone anything. 

This will most likely cut my tides with Bank of America , N.A . and I can take my business to someone else where I can get the professional service and respect that I should have been getting. 

I want to see proof/paperwork submitted to the Consumer Financial Protection Bureau to validate your reason for doing what you have done.

I want my points award check for around {$500.00} that should be on my account. You owe me and you closing out my account without any notice as if I am not paying my financial obligations when you are the only financial institution that I have an open line of credit with.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-13
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:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reported on my Credit Report : XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance XXXX : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-12-12
Company: Experian Information Solutions Inc.
State: MI
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:
On or around XXXX XX/XX/XXXX XXXX returned the results of an investigation regarding the payment history and account status for a XXXX XXXX in my credit file. In my original dispute I pointed out the inchoate nature of the alleged payment history, alleged charge-off, and alleged Date of First Delinquency. The results of the investigation provided a new set of payment history, charge-off status, and date of first delinquency that is different, but equally inchoate. I filed CFPB complaint XXXX with XXXX and CFPB complaint XXXX with Experian on or around XXXX XX/XX/XXXX. I have disputed with Experian directly regarding the issue on XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX conduted a reinvestigation and generated results on or around XXXX XX/XX/XXXX. Experian last conducted a reinvestigation and delivered the results on or around XXXX XX/XX/XXXX. Both Experian and XXXX now report the same inchoate payment history, inchoate charge-off remarks, inchoate charge-off status, and inchoate date of first delinquency. XXXX claims they are not responsible in their XXXX XX/XX/XXXX response to CFPB complaint XXXX, " Please understand that XXXX is responsible for providing this information to the credit reporting agencies ; however, the credit reporting agencies have their own policy for reporting the information that is displayed. '' On or around XXXX XX/XX/XXXX XXXX responded o CFPB complaint XXXX, alleged payment history that neither matches the history as reported by Experian nor XXXX payment history reported by XXXX. With Experian and XXXX having both conducted an investigation that provided a set of rsults, and at least XXXX ( XXXX ) renvestigation from each that provided verbaitim incorrect results, and a different set of results than that of the prior investigation, Experian and XXXX know or have reasonable cause to believe the information is false/misleading/inaccurate. It is patently erroneous and does not meet the maximum possible accuracy standard under 15 USC 1681e. At this point the investigation and re ( investigation ) process has demonstrated an inability to generate accurate information for the account/tradeline. Thus I am now asking for relief that removes the payment history for all months in XXXX and XXXX and that XXXX be blocked from providing any additional information for the account/tradeline.

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 2019-09-14
Company: American Credit Acceptance, LLC
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:
American Credit Acceptance FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. 

American Credit Acceptance was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. 

Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.

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 2023-12-12
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/, I visited the Nelnet loan servicing website ( Nelnet.com ). I have a number of student loans serviced by Nelnet, but not all the loans carry the same interest rate. My question is a relatively simple one. If I want to make an extra payment, I would like that payment to be exclusively applied to the highest interest loan, so, " how do I direct a payment to a single loan, rather than having it spread across all loans? '' To answer this question, I went to Nelnet 's " Contact Us '' page. On the page, there is an option for " LIVE chat, '' however, upon clicking the live chat, the chat is directed to a bot, not a living person. The bot has been given the name XXXX, in an attempt to obfuscate the fact that it is not " live, '' or human. Further, the bot is incapable of answering the question that is the intent of contacting the so-called, " live chat. '' When the bot is then asked how to speak to a human, it directs back to the " Contact Us '' page, which in turn then directs back to the " live '' chat in a circular manner, never yielding an answer to what is a simple question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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:
I am a victim of identify theft. I had filed a complaint to Experian on XX/XX/2021 through a certified mail with the tracking number, XXXX. Thirty days have passed already but I have not received any response from Experian. According to Federal Credit Law spelled out in the Fair Credit Reporting Act ( FCRA ), a Credit Bureau is required to respond to you and complete their investigation within thirty days. If they do not report within the timeframe, they must remove the negative listings disputed.

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 2022-12-26
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has made excessive calls ( XXXX calls in 2 days ). Often call back within a couple of minutes. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calls were rejected due to times of calls being on holidays ( observed XX/XX/XXXX - XX/XX/XXXX ). This is harassment for less than {$100.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2022, I sent a letter to Experian via certified mail with tracking number : XXXX in regards the inaccurate information on my report. I have not yet received any updated information regarding the investigation into the account. 

Experian is the only credit reporting agency with inaccurate information about the account in question. If each credit reporting agency is getting their information from the original creditor the account should be in good standing across the board. 

So why has Experian reported inaccurate late payments to the account. I have never been late, as the loan was and still is in forbearance. Please delete the late payments and update the account and credit report. This tells me that Experian obtain it's information elsewhere, not from the original creditor. 

This is a clear violation of my right to have all information on my consumer report be % 100 accurate according to the FCRA, or the inaccurate information must be deleted. I only want the late payments deleted not the 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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 WILL NERVER BEEN LATE TO PAY.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filled out a pre- approved with no impact application for a secured XXXX card and it gave me a hard query on my credit report. I believe it was misleading information and should be removed from anywhere is reported.

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 2023-08-15
Company: Bridgecrest Acceptance Corporation
State: WI
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:
15 U.S. Code 1666b - Timing of payments U.S. Code Bridcrest is in violation of my federal rights by reporting late payments.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), May 22, 2009, 123 Stat. 1742 ; Pub. L. 11193, 2, Nov. 6, 2009, 123 Stat. 2998. )

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 2023-12-18
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Dear Sir/Madam, I am writing to lodge a formal complaint against Round Point Mortgage concerning the mishandling of my escrow account associated with loan number XXXX. This issue has caused significant financial inconvenience and distress due to the company 's repeated failures to address and rectify the problem. 

In XXXX, I observed an unanticipated increase of {$600.00} in my monthly mortgage bill, attributed to changes in my escrow account. On contacting Round Point Mortgage 's escrow helpline, I was informed that the increase was due to the inclusion of insurance payments in my escrow, despite my consistent practice of paying insurance separately throughout the year. 

Upon raising this issue with a representative in XXXX, I was promised an investigation. In XXXX, following an unexpected payment of my annual insurance premium ( {$650.00} ) from my escrow, I received and forwarded a refund of {$210.00} from my insurance company to Round Point Mortgage, as instructed. This refund was acknowledged in my escrow account on XX/XX/XXXX. 

However, to my dismay, the issue persisted. The increased escrow charge continued to be reflected in my XXXX payment. Despite multiple assurances from customer service representatives, including a XXXX XXXX, that the issue would be resolved by specific dates, the overcharge remains uncorrected as of XX/XX/XXXX. 

This prolonged and unresolved discrepancy has not only caused me undue financial strain but also raises serious concerns about the company 's escrow management practices. It is alarming that over XXXX months have passed without a satisfactory resolution, despite my adherence to the company 's instructions and repeated follow-ups. 

I respectfully request an immediate and thorough investigation into this matter by the Consumer Financial Protection Bureau. It is imperative that Round Point Mortgage is held accountable for their mismanagement and that appropriate corrective actions are taken to rectify the overcharges and prevent similar incidents in the future. 

I look forward to your prompt attention to this matter and am available for any further information or clarification needed in this regard. 

Thank you for your assistance.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I noticed this account with XXXX XXXX XXXX XXXX back in late may that appeared to have been opened without my knowledge or consent. I am deeply concerned about the fraudulently activity associated with it. I have also contacted the major credit bureaus about placing a fraud alert on my credit file and I will be freezing my credit to prevent any further unauthorized accounts from being opened in my name. I would like to emphasize that I have never applied for or authorized the opening of this credit card account with this company. It is clear that this account was established as a result of identity theft, and I am eager to resolve this matter promptly.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I saw a transaction on my USAA checking account this morning that I did not send or authorize via my debit card. The bank asked if I had possession of the card and I said yes, the agent told me that they had to disable the card and send me a new on and I should receive it in 2 -4 business days which leaves me without access to any of the funds that are in the account and more that are on the way to the account. I told them I run a business and I have employees to pay and I pay them out of my one and only account with them as well as my personal expenses and they want to leave me without access to money for 2 - 4 business days. I told them that is not acceptable and I need access to my money the next day and they said they couldn't help me, their expediated cards take 2 - 4 business days. I again said that is not acceptable, you need to send me a debit card overnight. Again, 2 - 4 business days was there response, no attempt to help me access my money, and it could be Christmas week before I receive a new card. I don't have money to purchase anything including food. 2 - 4 days is unacceptable. I can go put money into a credit union up XXXX XXXX from me and they give me a debit card the day I can open an account but not USAA. I need 24 hour access to the money available in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation