BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summary : - Flagstar purchased my mortgage in XX/XX/2021 - My prior bank ( XXXX ) sent an initial transfer payment in XXXX. Flagstar only applied it to the principal.

- Flagstar notified me on XX/XX/XXXX that they misapplied the transfer payment and would resolve it. 
- The transfer payment was never correctly applied and now I have been warned ( on XX/XX/2021 ) that my mortgage will go into a default payment status if I don't make a double payment by XX/XX/XXXX. 
- I have paid my mortgage on time every month. 
- I made contact with 2 members of their management team who only informed me it was my responsibility to see the XXXX transfer payment was misapplied and resolve it within 60 days. 
- Flagstar made purchased my mortgage and misapplied the transfer payment. Those were both internal company decisions and processes. I had nothing to do with it. Why am I responsible for their process failures? 

I have only been a customer since XX/XX/2021. My mortgage was bought by Flagstar. I was given a welcome phone call but things have not gone well since then. My prior mortgage holder, XXXX XXXX, transferred the first payment to Flagstar in XXXX. Unbeknownst to me, Flagstar applied that entire amount to the principal. I began making my monthly payments in XXXX and have done so every month. I received a call in XXXX that my mortgage payments were behind. I was told that it was a result of the transfer payment by the prior bank ( XXXX ) that was only applied to the principal and not the interest payment. On that call, XX/XX/XXXX, the attendant let me know that it would be resolved. I thought all was well. 
I received a call on XX/XX/XXXX, telling me again my monthly payments were behind. I was told that the transfer payment that came from XXXX that Flagstar applied only to my principal balance could not be moved to the right allocations for principal and interest. I was told if I do not make a double payment by XX/XX/2021, then my mortgage will go into a default payment status that will affect my credit. 
As a customer I have done nothing wrong. It's not my fault that Flagstar misapplied the transfer payment in XXXX. It's not my fault the attendant told me on XX/XX/XXXX it would be resolved. The only response I received from XXXX ( on your management team ) was that I should have seen that this initial transfer payment in XXXX was misapplied. 
So as a customer I have made my monthly payments on time every month to my prior and current mortgage companies. This is not fair in any way and a poor treatment of customers. I left a voicemail with XXXX ( on your management team ) with this same information.

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 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-10-26
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021, I applied the {$100.00} of $ XXXX boost on a XXXX order. However, on XX/XX/2021 morning, I received notification from XXXX that the order has been cancelled. I contacted XXXX and was informed that the order was cancelled since they were not able to verify the payment with the card issuer, which is CashApp. I was informed that the money was never taken out from my account as if the transaction/order has never happened. XXXX informed me that it was the bank that declined the transaction. I tried to locate the transaction in the transaction history tab but could not find anything. 

Since the order did not go through, I would like to use the {$100.00} off XXXX elsewhere. However, I could not locate the XXXX anywhere in the App. I would like to request to add the XXXX back to my account so I could use it. I am asking to have the XXXX applied to my account so I can add it to my card, since I have met the condition of unlocking the XXXX. Im eligible to use it, and I havent used it yet. Just want to reiterate that I am not asking for a reimbursement of the XXXXXXXX, and this is not an issue about a XXXX not been correctly applied to a given transaction. All Im asking for is to add the XXXX, which I am totally eligible for and have not used yet, to my account. 

I have chatted with several customer service representatives, including XXXX and XXXX, trying to resolve the issue. However, I was given random, computer-generated replies, some of which even have nothing to do with my issue. It seems that XXXX, the agent I chatted with, does not even bother to look into my issue and just want to end the chat and dismiss me as soon as possible. After several failed attempts, I was left with no choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Experian Information Solutions Inc.
State: NJ
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 received a call from XXXX for an application i did not initiate for credit. This prompted me to check my credit upon doing so I discovered an inquiry from XXXX for a XXXX credit card. I called on XX/XX/XXXX and spoke to XXXX she refused to help. Today XX/XX/XXXX I received a letter from XXXX see attached, again i call and tell them this fraud they refuse to help me. They want me to confirm my social and date of birth when these are clearly the missing pieces and if i provide this will complete the fraud. They refuse to help even though i am giving them app number off if their letter and am telling them its fraud. I did not initiate this app please cancel and withdraw inquiry from credit bureaus. What does someone have to do to get a bank to listen that an application is fraud

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 2021-03-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card with XXXX through comenity capital Bank. Before opening the credit card I spoke to an agent who told me that I would only owe interest after the promotional period. I asked if that is when it will start to add up and she said yes. I paid my balance until the pandemic hit and now that the pandemic hit, I have no money so I paid the minimum and planned to pay it off right away so I wont accrue too much interest. Instead of being charged interest after the promotional period, I was hit with a fee from the interest I would have paid during the promotional period. After my complaint, they began updating the website to appear as if they weren't hiding that from customers. I XXXX complaints related to my situation and they said they same. I am furious because I asked them to show me mercy and allow me to pay the remaining balance in a lump sum to avoid that hefty charge and they do not care. In a pandemic, credit card companies are preying on people and this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX Acct # XXXX {$540.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Acct # XXXX {$170.00} XXXX XXXX Original Creditor : XXXX  Acct # XXXX {$210.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Acct XXXX XXXX {$1200.00}, 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 instruction

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 2020-08-03
Company: Experian Information Solutions 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Credit Karma, LLC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a CreditKarma account that shows me whenever there is a credit inquiry, expense or deposits. 
It also shows me a credit score for XXXX and XXXX through use of XXXX XXXX calculations. 

I also pay XXXX every month to report my rental and utility payments to rating agencies. They also show me my XXXX credit score using XXXX XXXX calculation. 

Based on these and suggestions from CreditKarma app, I applied foXXXX XXXX XXXXXXXX XXXX $ deposit Secured Card in XXXX. They sent me a letter asking me to submit id proofs and proof of address. I faxed these around XXXX. I faxed them twice as they also demanded another additional proof of utility payment. When they did not respond after XXXX working days I called them on their customer care number and was informed that backoffice could not identify my face clearly on the DL that I faxed. I was told on XXXX to fax it again before end of the week. I received an Adverse Letter from them stating my XXXX XXXX was not present and also my application was incomplete. They sent this via email by XXXX XXXX on XXXX without waiting for me to refax my documents as per their request. Since they did another hard inquiry for the same score, I lost further points on XXXX according to CreditKarma. 
They still show that I am eligible for XXXX credit card. 

Either Credit Karma and XXXX using XXXX XXXX calculation and giving me XXXX credit score of Good as attached is WRONG OR XXXX XXXXXXXX calculations are WRONG OR XXXX showing my credit score of XXXX on all XXXX rating agencies is WRONG. 
In any case XXXX had access to all these reports and despite knowing my XXXX rating was XXXX they still performed another hard inquiry and kept my documents illegally, kept me waiting and not letting me know the status of application accurately despite me calling several times and then incorrectly responding. They played with my emotions and harassed me all this long just to ignored a credit card application that they never intended to approve. 

If XXXX  XXXX is lying about my XXXX scores being Invalid or Non existent, then Credit Karma, XXXX and XXXX XXXX are all culpable of this crime in falsifying records and present incorrect information to consumers to just make sure they sell Credit Cards of unsavoury unprofesssional companies like XXXX. 
Why else will they be offering me XXXX XXXX XXXX eligibilty on their apps when the score is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-10-03
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The removal of the security interest, seeing there is no lien on the property in which they repossessed. I am asking them to remove this account from my credit profile as it is a violation of my privacy and I have not consented to them reporting my private information to a third party CRA, or if they can provide the proof of me agreeing to consent to them reporting my private information. It also has come to my attention that the CFPB has filed a class action lawsuit against CREDIT ACCEPTANCE for the predatory lending and the misrepresentation of the cost of credit and tricking its customers into high-cost loans. They're reporting this collection is having an adverse reaction to my credit worthiness.

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 2021-10-25
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I disputed a charge from XXXX XXXX for the amount of {$80.00} from the same day XX/XX/2021 I stayed at the XXXX XXXX because I did not stay at XXXX XXXX Chime ( XXXX  XXXX  ) denied the claim when there is no way I could have stayed at two different locations within the same day. XXXX employee told me upon arrival they did not have any rooms available so I told him to cancel the room he did not and they collected funds out my account for a stay that did not happen I paid {$100.00} at XXXX XXXX  and that is where I stayed and not the XXXX the charges was presented on the same day minutes apart. chime and XXXX is refusing to refund my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: MI
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 reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # XXXX Office Of attorney general, Account # XXXX XXXX XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NY
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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am reaching out to you in regards to an issue with account # XXXX. It is of great concern to me and I havent been able to get it resolved with customer service. 

There is a late payment showing up on the account for the month of XX/XX/2020. 

I am the kind who pays bills promptly and timely. In all my years of credit history, XXXX included, Ive had all payments paid on time and in an orderly fashion. 
As I am a busy man, I hired a bookkeeper many years ago. She has been taking care of all my bills, payments and so on and so forth. 

I was very surprised to see this late payment show up on my report. My bookkeeper claims she hasnt received a statement for that payment and was still setting up the payment plan as this is a new lease, and therefore didnt know of a payment due. 

It really upset me. This is my account yet I heavily relied on her making the payments, as shes been doing for years. Please understand the situation here as this was way out of my control. The bookkeeper is at fault here and she claims she knew nothing of the payment due. I cant do anything else at this point, other than reach out to you. 

I will be extra cautious in the future to make sure something of the like doesnt happen again. 

My credit report is otherwise clean. This late stands out and is affecting my credit negatively. I am trying to get a mortgage loan right now and it is impossible to do so with this mark on my report. It must be deleted. 

I turn to you to please remove the late from my account. 
Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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 reported multiple accounts on my credit report that didn't belong to me. I wasn't updated about investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: TN
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:
My information was compromised due to the Equifax data breach. I have attached all information needed for the credit reporting agencies to BLOCK the fraudulent accounts immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: CA
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 Account # 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 - In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 explanation