BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: MRS BPO, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
MRS BPO LLC has been calling and texting looking for someone named XXXX. Ive repeatedly asked them to stop calling because they have the wrong number and they continue to call/text.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: WELLS FARGO & COMPANY
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2023-10-16
Company: CarMax, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint again. Going back to XXXX  I was told I would get a ONE TIME courtesy- I was still reported late! In XXXX of this year an extension was done- that satisfy XXXX 's payment. They have reported me late for XXXX! I have called several times and was told that it would be updated for me to dispute it directly with the bureaus. This is improper use of my credit report as this is not accurate! PLEASE REFER TO THE NOTES ON THE ACCOUNT- SENDING LEGDERS DOES NOT SUFFICE AS TRUE EVIDENCE!! 

PLEASE SEE THE SNIPPET OF THE EXTENSION THAT WAS SIGNED THIS YEAR FOR XXXX. THE PAYMENT WAS MADE IN TIME AND I WAS STILL REPORTED LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-22
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 information incorrect

Complaint:
I have had issues with XXXX XXXX in the past about reporting wrong information on my credit report in the past. The claim to have bought a debt from XXXX Bank that belongs to me but have re aged this debt to continue to ruin my credit for financial gain. Experian is reporting that this account was closed by XXXX in XX/XX/XXXX. But XXXX XXXX is saying this account was opened as new in XX/XX/XXXX. This is a flat out lie! 

Please have this account removed from my report for inaccurate reporting from both of them. 
Please see attached.

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 2023-12-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am not new to credit cards or 0 % interest timeframes. I know that, in the last few years, laws have changed to avoid cheating customers. My accounts have clearly listed when my 0 % would expire, warning me when it would be the next statement. 

Synchrony did not do that on my home account. I knew the 0 % was expiring on XX/XX/XXXX. There was {$100.00} left on my XXXX statement. I paid {$50.00} and planned on paying the other {$50.00} in XXXX statement. 

Well, they billed me ON XX/XX/XXXX, charging {$120.00} ( 12 months ) of interest before I could even see and pay it. It was first thing in the morning XX/XX/30! 

Ive tried talking to them multiple times and they say thats how they do it. I dont believe this is a fair legal practice. No other credit card had done anything like this!

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 2021-10-14
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.

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 2022-02-24
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, CO XXXX Customer Care Number : XXXX XXXX filed a 1099-C on a second mortgage that was legally prohibited at time of short sell in XXXX. 
When this sale occurred we fell under the Mortgage Forgiveness Debt Relief Act of 2007 which has been extended through XXXX. This was our primary residence and we had lived in the home over 2 years. At the time of sell the second mortgage was held by Real Time Resolutions. Once the home sold we did not get a discharge of debt as the debt collector ( At the time Real Time Resolutions ) was prohibited under the Mortgage Forgiveness Debt Relief Act. ( XXXX XXXX XXXX  ) In XXXX of XXXX we received notice of sale of the debt to XXXX and they wanted to establish repayment. We sent a validation letter and explained that this was over 10 years ago and at the time of sale the Mortgage Forgiveness Debt Relief Act was in effect. The next thing we heard back was this 1099-C that we received in XX/XX/XXXX. XXXX states that they discharged XX/XX/XXXX. We are seeking to have the 1099-C withdrawn from the IRS filing . We are also filing a 3949-A with the IRS regarding XXXX fraudulent deduction and requesting IRS take legal action to the extent of the law. We are attaching the Warranty Deed on the sale of the home and the fraudulent 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Investigation took more than 30 days

Complaint:
I have tried for more than 4 months writing to them concerning the improper reporting of items on my credit report. I fully plan to pursue litigation in accordance with the FCRA to implement my rights, seek relief, and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous written requests, the unverified entries still remain on my credit report in violation of Federal Law. they stated in their response to my dispute letter that they have verified accurate accounts which is a lie.They failed to send me copies of the proof that these accounts belong to me as per my request. they are required under the FCRA to have properly verified that an entry listed on my credit file is mine by having a copy of the original credit application on file proving that the entry is mine. It is obvious that they dont have any proof on file that the items are mine. When I go to litigation they will be required to produce said documents through the discovery process, and since they dont have the said documents in their files then that will be proof that they did not properly verify the items and they will have to be wiped clear. 

they have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). You say that you have reinvestigated these accounts but it is obvious that all they have done is parroted information given to them by other sources and shifted the burden back to me to prove the accounts are not mine which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly REMOVE all information which can not provide proof of verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to log in to my.equifax.com to view credit report or dispute erroneous report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 U.S.C. 1681. 

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 an 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 7 years. 

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

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 2023-01-03
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: Account status incorrect

Complaint:
I have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am a person who keeps two banking institutes. Chase and XXXX XXXX. I was a loyal customer of Chase for 5+ plus years. That changed XX/XX/2020. I recently moved my direct deposit from Chase to XXXX XXXX because of Chase 's poor customer service. I was no longer comfortable with the bank holding majority of my income. The incident that caused my to forever cut ties with the bank occurred XX/XX/2020. There was a pending purchase that was listed on my account for 3 days ( business and non-business ) that fell off on my user viewing end. Knowing the charge would post I transferred funds to cover my transactions in the meantime. Actively checking my bank account to cover the pending charge, I was checking at the start and end of business day. On Monday night XXXX at XXXX pm PST, I checked my bank account for the last time on my mobile app. Everytime looks normal with a positive balance. Tueasday morning XXXX, I was hit with 3 overdraft charges on a TUESDAY, after the weekend was over. Not only were charges I was hit with overdrafts for ALL debit related. They posted before ALL my deposits to cover the account. If this was Chase 's true practice I would have had a full business day to cover the transaction, be alerted appropriately, and I as the USER would have been able to see the " invisible pending charge '' on my end. I promptly called Chase to explain the pending charge that caused me to overdraft was no longer visible on my end, the response was " oh, that's strange ''. No in fact it it not strange it is a tactic used my Chase to justify charging overdrafts fees for profit. I spoke to a manager explaining my financial situation. I am a single mother to a special needs child who CAN NOT afford to pay fees to a cat and mouse, hidden agenda bank. I am diligent about my accounts and pay the items I owe promptly. The supervisor regarded my situation and suggested I bank elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called to pay my account in full in XXXX of this year. I made the payment with a representative over the phone and specified it was to be paid in full. I was charged a late fee after paying everything in full which has no accrued late fees and interest. I tried to call on XX/XX/2023 to resolve the situation. I dialed the phone listed on the bill and when I choose 0 for representative it stated the call could not be completed as dialed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to a Bank Of America ATM in XXXX XXXX Tx to deposit {$270.00} into my account. When I inserted the cash a Error appeared on the screen and told me to type the amount I deposited, I typed {$270.00} and put submit and they gave me the credit into my account right there and a little slip with a case number. I thought it was fine since XXXX weeks went by so I disposed the slip but then on XX/XX/XXXX they deducted {$150.00} from my account claiming they couldnt find that amount I deposited. I talked to a representative along with a XXXX and they basically told me there was nothing they can do I lost {$150.00} from my {$270.00} deposit. Then again today on XX/XX/XXXX I visited a different Bank Of America location to deposit more money. I counted about {$620.00} then when I insterted it I was hit again with a Error this time when I typed how much I put ( {$620.00} ) it did not give me credit in my account I got another slip. I know for a fact I put between $ XXXX {$620.00}. I do not want to be ripped off again and them only credit me less. This is the second time its happened to me and XXXX separate locations and its ridiculous. I have things to pay and this is very inconvenient. I believe these machines are malfunctioning and ripping money from costumers and they just claim they cant find 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 2020-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Unidentified number called XX/XX/XXXX to my XXXX cell number left message that stated paraphrased " I am XXXX XXXX summons was failed to be delivered contact the law firm in charge to receive the order number is XXXX with case number XXXX failure to respond will result in further legal proceeding to take place with or without you. '' Called number routed thru what seems like typical debt collector phone prompts. Get live person and he berates me. States debt is from Bank of America which was a valid debt and they knew my last 4 SSN. I stated that debt was settled ten years ago XX/XX/XXXX. He said I had to provided proof. Called back as i found the settlement letter. I asked for email to provide proof he gave it to me faster than a person could write it down then hung up on me. Called back to confirm email they hung up again. 

After calming down I believe the persons behavior was more of a scam then legit 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 2023-08-08
Company: LD Holdings Group, LLC
State: HI
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:
Timeline of Events : XX/XX/23 - Received a correspondence " Statement of Credit Denial, Termination or Change from LoanDepot.com, LLC. 
a ) Never applied for a loan. 
b ) Letter states XXXX is the credit reporting bureau. 

XX/XX/23 - Called LoanDepot.com, LLC to explain this letter. Spoke with XXXX who tried to verify my information. I stated you sent me the letter so my name should be sufficient. Per XXXX, " their records showed I called them to inquire and phone call was a minute long. Not sure why you received the letter because there was no application, but my credit report shouldn't be harmed. '' I requested for any type of credit report pull to be removed. 

a ) This denial shows no dollar amount for the request. 
b ) The contact number for LoanDepot.com is not a working number. 
c ) The address for LoanDepot.com is not a working address. 
d ) Want credit report inquiry removed. Shows XXXX as the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: GA
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:
After reviewing my Experian, XXXX and XXXX credit reports. I have found inaccuracies. I was never late on my XXXX credit card account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX Credit Card : Reporting 2 late payments XX/XX/XXXX and 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