BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). XXXX XXXX says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with XXXX XXXX, and I had it paid off when I closed it. Then, XXXX XXXX says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect XXXX XXXX to fix their reports to the credit bureaus from delinquent to paid on time and card closed. XXXX XXXX would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to XXXX XXXX, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or XXXX XXXX would not have issued this {$43.00} refund check. Please have XXXX XXXX fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. 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 2021-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have Purchase Protection as a card benefit on my Chase XXXX XXXX card. I lost a bag on the train on my way to the airport containing an handbag that I purchased on the card. The card explicitly states that involuntary separation is covered and they will not cover the cost of the lost bag and are claiming it was a " mysterious disappearance ''. I had reached out to the transit security to ask if the bag has come up and they have not found the bag. I have provided this evidence to my credit card and they are not accepting my documentation and rejecting the claim despite their terms and conditions stating that this incident should be covered. 

I submitted my claim through the link they provided me : XXXX Claim Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, 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:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: MO
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:
My past complaint XXXX I stated that my XXXX report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by 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 2023-05-25
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had a account with paypal for over 10 years and it was in good standing all of that time I recently was sent the sum of {$200.00} to said account and it was deposited and shows as deposited on their log in page I received a e-mail stating I had account limitations placed on my account and they would not send my money to my banking account that they have on file for me I tried many times to tell them that I am a person with disabilities and also a veteran they said they would be holding my money for what is a unacceptable time 180 days and I can't afford to wait that long I do not run a business on paypal I have received donations to help me care for animals that I keep and feed that were injured or abandoned I use this money to buy food for said animals the only thing I did to get in this mess is request to change my phone number because I lost my other one I am XXXX and almost XXXX from severe XXXX and have XXXX XXXX they have put me under undue stress trying to get the money I desperatley need for care for the animals Please help me help me thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Comenity Bank on XX/XX/2020, card issuer of New York & Company advising that they closed my account as of XX/XX/2020 without any warning. I have paid the balance off on this card and have established an excellent payment history with no deliquencies. The reason why my account was inactive was because I lost my job during the pandemic and could not make desired purchases including use my store cards. I am appalled that during this tough time, that New York and Company/ Comenity Bank would tank my credit score and close my account after I was not late and paid this card on time. This inconvenient decision shows me that Comenity or NYC has no integrity or loyalty to their customers even the cardholders who make it a goal to have excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When COVID became an issue we contacted Loancare because I had been laid off due to COVID, they were super eager to help me sign up for a forebearance. Told me the process, got it done. Assured me that once I was back to work all I would have to do is notify them, they would do a loan modification and add the payments to the end of the loan, essentially extending the term of the loan. I only needed the assistance for 3 payments, I went back to work and notified them. I was then told to fill out an application to get the process started to modify the loan, I did that. I rec 'd an email stating it was being processed. Never heard anything else. Went online, made my next payment, assumed everything was fine. Come to find out they put me in a program that my type of loan did not qualify for. Now they have locked me out of making payments on my account and will not take any payments unless I make 3 payments right now. I am on hold right now and have been for over 45 minutes waiting to talk to someone else. Last week we were told it wouldn't be an issue to make any payments because they were just still in the process of processing my application. So now they have marked me as in default. Oh and, they just hung up on me

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 2020-08-12
Company: HAMILTON GROUP FUNDING, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was the seller side of the transaction. The contract I signed with the buyer indicated I would contribute up to {$6000.00} towards closing costs. When I received settlement statement the lender applied part of the {$6000.00} towards prepaids such as taxes and insurance. These are not closing costs. 

We contacted the lender, Hamilton Funding Group, and spoke with XXXX XXXX. XXXX indicated I was incorrect and proceeded to get the buyer worked up thinking I was incorrect. 

XXXX injected herself in the middle of this by providing incorrect advice which caused me to pay an additional {$2600.00} in fees that I was not contractually obligated. Bethanys action as a representive of Hamilton funding caused me financial harm by her negligence and misinterpretation of the contact as prepaids are never considered a closing cost, they are prepaids of items that are not closing related ( taxes and insurance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Received a notification that there was an inquiry on my credit report. On XX/XX/2022 there was a Hard inquiry on my Experian report to open a new XXXX XXXX XXXX XXXX installment loan/Bank account 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 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several Letters to Transunion in reference to investigating 4 accounts that are reporting inaccurately on my credit report. Every time they respond they say that an investigation has been done and the items have been verified. But how can they be verified if the items are reported inaccurately? Showing different dates? Different Balances? Some balances not reporting at all. They have failed to do a thorough investigation on the items in question and with that being said they need to remove the items IMMEDIATLEY! THESE ITEMS REPORTING NEGATIVELY ON MY CREDIT REPORTING ARE HURTING MY GOOD REPUTATION AND NEED TO BE REMOVED.

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 2020-08-12
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first called XXXX XX/XX/2020 to have them make a thorough investigation of my previous account with them to make sure if any payments were owed. They said my accounts were closed with no payments needing to be owed. 

I followed up with to inform them of my status with XXXX & kindly asked if they have any proof I'd still be happy to take care of the payment but if there isn't any please address. 

Credit Control Corporation Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Hours : Closed Opens XXXX Wed Phone : ( XXXX ) XXXX - Aggressive, Rude, Short. No attempt to discuss and provide proof of what I need to pay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These names are incorrect and should not appear on my credit report. This is a direct violation of my rights and needs to be deleted immediately. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX These address are not accurate nor have they ever been. This is a direct violation of my rights and needs to be deleted immediately XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX This employer is not correct and needs to be deleted immediately. 

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 2023-08-02
Company: EQUIFAX, INC.
State: GA
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:
Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy. 

XXXX is guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) XXXXXXXX did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report. 

Therefore, I will be including XXXX and XXXX during litigation for wrongful collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My son died XX/XX/XXXX. I went into Bank of America XXXX branch on XX/XX/XXXX and reported his death to XXXX XXXX and they scanned the death certificate. They told me I need a state form to obtain his funds. I thought they froze his account. I was also told someone from that branch would contact me. No one ever did. I thought my son 's funds were safe. The amount was {$7300.00}. I went back to the same branch XX/XX/XXXX with the state affidavit of relationship form notarized. The bank told me my son 's account was closed and there were no funds available. Bank of America disbursed my son 's funds on XX/XX/XXXX to someone who claimed to be the " fiancee '' to my son. Bank of America needs to be held liable and needs to recover my son 's {$7300.00}. Fiancee is not a relative, and not listed in the PA State laws of Intestate Succession. A fiancee is not a surviving spouse. Nevertheless, the claimant was not a fiancee to my son. She was removed from his account XX/XX/XXXX. 

I have reached out to Bank of America Estates Department and they have not helped. Please help me. It should not be my responsibility to try to recover my son 's {$7300.00}. I am filing my son 's XXXX income taxes and he owes {$24000.00}. I need the {$7300.00} that Bank of America disbursed in error.

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 2022-04-02
Company: BANK OF THE WEST
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: Account information incorrect

Complaint:
Bank of the West has made it harder for me to obtain loans and get help in this hard time reporting false information to XXXX, and XXXX XXXX causing damage to my credit score making it even harder to provide for my family it's been very stressful.

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 2023-03-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 1st complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$620.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-09-03
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Saturday XXXX a man from a reality company came by asking if I knew my house was in foreclosure. I had no idea what was going on and this was the first I have heard of anything concerning default with the mortgage company. I was making payments to mortgage company Ocwen and then received letter from Ocwen that payments needed to be made to phh mortgage by check sent in the mail which I did. After the man left I looked into my bank account and phh has not been cashing checks, I have not received any documents from phh mortgage in any way shape or form. I have been totally blind sided by this and believe the mortgage company has created a hardship on my side. XX/XX/19 I have reached out to a hud approved foreclosure counselor for advice and am seeking Legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-01-22
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Ollo credit card that, it turns out, was issued by the XXXX XXXX XXXX according to the Ollo agent I spoke with on XX/XX/XXXX. I didn't use my card that often ; the last time was a few months ago, because it has a very high interest rate. In fact, I had to transfer a balance using a personal loan last year because the interest rate was over 30 %. Today I was looking to make a purchase with my Ollo card but it turned out that the account was closed. I looked through my emails and there were none from Ollo Card indicating that this would happen or that it had happened. The online Ollo " message center '' also did not include any messaging indicating my account would close if I didn't use, or that they had even closed it last month. I spoke to an agent XX/XX/XXXX and she told me the following : ( a ) that Ollo Card had closed my account in early XXXX ( b ) the Ollo Card had slipped into their credit card agreement a provision indicating that Ollo card doesn't have to communicate major changes to the account or impending changes to account status ( such as closure ) at all. 

That is, they can make changes to the account with informing the customer either before or after. 

Also, Ollo Card did not provide monthly statements for the last XXXX months and thus missed out on an opportunity to communicate impending changes related to my account. They did this deliberately, which was confirmed by the Ollo account rep I spoke with on XX/XX/XXXX. This was a regular practice even if I receive electronic statements. They only provide account statements in certain months of the year, which is not outlined in advance. 

This was just sort of the abusive practices that banks used to practice in the lead up to and during the housing crisis of XXXX. Its possible the XXXX XXXX XXXX ( Ollo Card ) was one of the banks that routinely failed to communicate with customers or " lost '' mail sent to them. But wasn't this practice the subject of new legislation in 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 2021-11-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
several months ago I had this problem of identity theft someone used my information and opened credit card accounts with different banks or entities since I was noticing in my credit report several changes with new accounts and inquiries without my authorization, I need help to solve this problem since they caused damage to my credit report and making charges in my name I need to solve this problem you are with the accounts that appear in my report without my authorization I need you to investigate and eliminate those accounts please.

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