BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nations Direct Mortgage has reported our account deliquent for over 120 days while we have been in an Forbearance agreement. I asked several times and they even reported XXXX and XX/XX/2023 and I called. They made corrections to mine but not my husband who is a co-borrower. During this period I one of my other recurring accounts was closed because they said I was credit risk. We denied as cosigners for my daughter 's student loan which we desperately need. I am attaching the credit correction letter sent to Nations today as well as the credit notice from XXXX credit monitoring for my husband XXXX XXXX as well as the Forberance agreement. Our credit is effectively ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Needed to create an account on Experian 's consumer page in order to get credit report accepted by lender for XXXX loan. Experian is now storing my payment information. I called Experian and asked that my account be deleted and they refused. I then asked that they remove the payment information stored on my account profile and they refused.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: SC
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 has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2023-08-22
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:
I have sent in email and correspondence via mail to have the inquiry removed. As its identity theft 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 2023-02-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good day! My PayPal account is Permanently limited without valid reason and proof, now I can't use my PayPal account to withdraw and for my online job, this happened XXXX XXXX XXXX XXXX. I hope you can help me to remove the permanent limited of my account. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: DE
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: Investigation took more than 30 days

Complaint:
Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint FTC Report XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXXXXXX XXXX XXXXXXXX {$7900.00} XXXX XXXX XXXX Balance {$160.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX XXXX {$2300.00} XXXX XX/XX/XXXX - Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry XXXX XXXX XXXX. XXXX, XXXX - INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX - INQUIRY XXXX XXXX. XXXX, XXXX - INQUIRY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened a checking account with a safe box attached, after the bank had multiple attempts of bank robbers, theives trying to rob my account and safe box the bank closed out my account they said it was a grand father account but they forgot to close out the safe box and they keep charging me for the safe box on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: SC
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 has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2023-01-16
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Genesis Bank Indigo Mastercard that is holding all my payments as I pay it off frequently for 2 weeks stating this is to verify funds when they are all worldwide verified within 7 business days easily, and if not you can show proof that this payment has cleared your account or have a 3 way call with your bank to verify these funds have cleared. This is an illegal act for holding money and charging more interest on the balance for days that the Card Balance has been paid off. I have contacted them every time I have sent in my full balance payment as to why these funds have not been allowed towards my account. Always getting the same answer by them This is our business policy to hold funds for up to 14 days. Which is by Federal Law illegal to do. I have another Genesis Bank Card by Milestone which it seems they do not use this illegal tactic used by Indigo. This needs to stop or I will file a Civil Class Action Suit against them as this is breaking several Banking and Finance Laws. Please help me correct this by taking action against Indigo Card Services backed by Genesis Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Between the dates of XXXX the scam artist posed as an associate of a legitimate lending company called XXXX XXXX. 

He goes by XXXX, he had an XXXX accent and was calling from this number : ( XXXX ) XXXX For the last few days he had made unauthorized deposits to my account and then up until XXXX days earlier I realized he was a fraudster so I blocked his number and alerted the real lending company of the fraud also as well. 

So now my bank believes that Im the one that is defrauding them when I didnt make the deposits

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 2023-05-04
Company: EQUIFAX, 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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance {$170.00}, XXXX XXXX Balance {$2000.00},, XXXX  XXXX Balance : {$7600.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I personally have been calling BSI financial about my XXXX tax that hasn't been paid by my escrow. I keep getting told that they will escalate the information to a supervisor, but it has now went on 3 weeks and my mud tax has still not been paid resulting in a fine. I also told BSI that the amount they have on file was incorrect and I emailed them a copy of the tax statement and updated fees due. If this goes on another month of not being paid it will result in another tax fine from the county. This needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AZ
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:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXX XXXX Account number XXXX {$420.00} XXXX XXXX XXXX Account number XXXX {$490.00} XXXX XXXX XXXX Account number XXXX {$420.00} Personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2023-01-18
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected as soon as possible : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-08
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit Acceptance Has failed to report payment history correctly on the vehicle loan that was actively open during the time period XXXX Thru XXXX. Payments where not reported correctly starting XX/XX/XXXX Thru XXXX of XXXX. There was no payment information report to all three credit reporting agencies. There was a covid-19 impact reporting freeze place on my account that I did not authorize and done with out my permission. Also There was a late payment on XX/XX/XXXX. That was incorrectly reported the payment was not late. Please update this information immediately and correctly to all three credit reporting agencies. for all months that wasn't reported immediately.

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 2023-09-05
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On approx. XX/XX/2023 I was approved for the Barclays 's Wyndham Earner Business card. It had promotional terms of spend {$1000.00} in 90 days to receive XXXX Wyndham  XXXX points. 

See here for screenshot from application page -- https : XXXX I spent above the necessary amount within 90 days as required. 

The Wyndham XXXX points never showed up. I inquired via secure message between XX/XX/XXXX and XX/XX/XXXX and was informed I was required to spend {$2000.00} contrary to the initial terms. I requested a call back from a supervisor. I was called on XX/XX/XXXX and told the same. 

I requested via telephone they provide XXXX Wyndham points per their {$1000.00} sign-up bonus terms and they refused stating they could not do this and that I was required to spend {$2000.00}. I requested a courtesy deposit of XXXX Wyndham points and they also refused. I stated I was going to contact to the CFPB and they did not seem care.

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 2023-05-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to XXXX, XXXX and Equifax and they are still reflecting on my account. 
-XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX  Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXXXXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. Issue number one is that XXXX billed my credit card without my authorization. The Department of Veterans Affairs ( VA ) has been paying for my XXXX subscription for the past two years. I tried to renew through the VA for 2023 but XXXX told me that I could not renew my premium account while it was still active. I was not planning to renew out-of-pocket because I could not afford it. However, I had forgotten that XXXX had my credit card number from a prior subscription. XXXX billed that credit card and has refused to reimburse me. This is a joint credit card with my wife being the primary user. My wife, XXXX, filed a dispute with Ollo Card Services but the dispute was denied.

2. Issue number two is that Ollo Card Services submitted this information to the Credit Bureaus which caused our credit scores to drop.

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