BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
In XXXX, I was married my Husband and I decided to buy a first time home. First I got ripped off with the home. Purchased in XXXX XXXX NY. Than in XXXX My husband put in Supreme Court Divorce Proceedings. which took place in XXXX. XXXX XXXX Mortgage was the bank. I was awarded the home because i made a lot of money.at the time. After the Supreme Court Divorce in XXXX. My Bank account with Bank of America Got closed out, without my knowledge. XXXX Dollars in Certificates of Deposits. Plus another XXXX Dollars in another Certificate of Deposits. Money market accounts and Checking and Savings all closed the same Day.and monies Gone with no explanation.XXXX XXXX sent me a foreclosure letter at the time of my lost of fund my credit cards and everything could not get paid. XXXX XXXX called some Attorney to put me in court for 4 months of money that they claim I didnt pay them.I know this was a big lie because I ate and slept on my job to make ends meet for my home after the divorce. The XXXX XXXX Attorneys told me to pay them and I paid them.only to find out that my money at the time i was told was going to a locked box. and they did not see it because no one was going to this locked box I kept asking for a Refinance to lower the XXXX XXXX payments. I was told By XXXX XXXX that I can sell my home. this was the only explanation. I recieved from them. as of XXXX. I checked my credit to see what I could do and I had a credit score of XXXX. I asked XXXX XXXX why did they lie to me when I was looking for help. I did a refinance with XXXX XXXX  who assisted me with the new loan and a lower rate. Now I look on my Credit Score and it is in the XXXX this is shocking. I canot borrow money from any bank to repair my home. also XXXX XXXX XXXX is still reporting inaccurate information on my Credit Reort and I am no longer with them They are Paid in Full.. These 3 Credit reorting Companies are doing illegal things to consumers like myself reports to make me look bad, I am very disappointed in the credit reporting business hurting consumers and getting away with it. .I am looking for a attorney to help me with my Credit going down 200 points. XXXX XXXX is a Scam Business. Just like that Bank Of America Bank.

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 2023-08-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Initially paid off loan to Citizen Bank on XX/XX/2023 for the amount of XXXX. The posted fees and accrued interest that I was not made aware of. The account went delinquent for 120 days. When I realized it, I immediately paid it off. When applying for a new mortgage the issue came up and now I can not obtain a secured mortgage thus make the interest rate out of control. My credit score also dropped from close to 800 to the mid 600s. I have never missed a payment on any loan I have secured including to Citizens Bank. This is potentially preventing a move to a new school district in order to obtain better services for a child that needs them. Citizens Bank has refused to work with me and told me that no info will be provided with 30 days from the dispute which was placed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  Balance : {$320.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX a rep from XXXX XXXX called me because I was XXXX pmts behind. After speaking to the rep we came to an agreement that I needed to pay XXXX dollars to help the account. I made a {$47.00} pmt on XX/XX/XXXX while speaking to her and set up a pmt to come out on XX/XX/XXXX in the amount of {$45.00}. The rep then advised that because of my pmts when the on on XX/XX/XXXX cleared I would get {$160.00} in late fee credits applied to the account. Today XX/XX/XXXX I call because I did not see the {$160.00} credited to my account. I was then advised that in order to get the {$160.00} credited to my account I would need to make pmt arrangements for the balance of the card. I made the arrangements of {$20.00} for XX/XX/XXXX and then {$86.00} on XX/XX/XXXX. The rep then proceeded to tell me that I would not be credited the {$160.00} until the pmt in XXXX cleared. The rep then said that she had already given me a XXXX XXXX {$82.00} on the day I made the $ XXXX on XX/XX/XXXX. I told her that everything she said was contradictory because she first told me that I would not be able to get the credit until after the pmts posted... so how did she give me a credit the same XXXX XXXX. Please someone look into this. It is my second time feeling XXXX  over by them. I am trying to make my pmts but they make me not want to because they keep lying to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: Security Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Security Credit Services Company has violated several of my consumer rights by attempting to re-age an alleged that they claim I owe. Security Credit Services also never notified me of my right to dispute the debt or their intent to report the debt to the credit bureaus. When attempting to validate the debt with the company they did not provide sufficient documentation to validate the debt and blatantly ignored my concern about the date reporting that the account opened on my credit report and other inaccurate information reporting on this alleged debt based on documents submitted by them. Security Credit Services is also not registered in the state of Michigan where they are attempting to collect the alleged debt and it is required in Michigan that collection companies be licensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IN
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 situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 2023-10-26
Company: Wallace Management Company, LLC
State: OK
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX, I went into State Finance in XXXX to get a loan. I was approved for {$500.00} and the payoff was around {$750.00} or so. I got into a bind due to court with my ex and other life events happening, but I told them of my circumstances and why I haven't been able to pay. At times I have told them I could pay a portion or half, and they would NOT accept it. They said I could not pay that, that I would have to pay it ALL. 
XXXX, whom I was speaking to, told me she saw on my XXXX  that I had been going to concerts and traveling, so " what am I doing with all of my money? '' and I " should be able to pay ''. Much more came from her, but that was what I was seriously stuck on... 
First off, she is not on my XXXX, so she is quite literally stalking me at this point. 
Secondly, I didn't pay for any of that. I have amazing friends who knew I was going through a rough time and needed a break. 
I asked to speak to her manager and told her that that was extremely unprofessional and to never let her speak to me again. I absolutely refuse to speak to someone who thinks its okay to speak on her assumptions about me and my life when it is supposed to be a professional conversation. The manager said she would " talk to her about it ''.

Well here I am, again being harassed, but this time my co-workers are getting call after call by them. They told a co-worker of mine ( who isn't a manager ) that she needs to speak to HR about garnishing my wages. 

Online payments can be taken at any amount over XXXX XXXX, so I am not sure why they are telling me rudely that they can not accept partial payments. It seems weird that a loan company would deny taking my money. 

I don't believe this is normal for a loan company to be acting this way. Do they normally tell all of your business to random strangers on the phone? 
I have honestly never dealt with a loan company so extremely unprofessional & trashy in my life I am late {$200.00}. All of the harassment, rudeness, and stalking over {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending this 14th complaint to you. I am asking that these items I listed in this current complaint and in the complaint dated XX/XX/XXXX, will be removed within 15 days that when I update my credit reports these items will be REMOVED : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: WI
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received no warning or information that all of my bank accounts would be frozen with Capital One. When I called, they let me know that they can not provide me any information as to why my accounts got shut down, but due to an internal review I can't bank with Capital One anymore. They let me know I would recieve a check in the mail of my available funds in my checking account within 7-10 business days. 

It has now been 14 days. I called again and they told me that my account is just under review, but hasn't been closed yet and that once it closes, then they'll send me my money. They can't tell me why my account is under review, or when it will be done being under review. They said at this time, they don't know when I will have my money. 

They are withholding my money for an indefinite amount of time, and not giving me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they are debt XXXX contacting me to collect a debt with XXXX XXXX from XX/XX/2023. Multiple personal details on the notice are incorrect, including the license plate number, which does not belong to me. I did XXXX XXXX on XXXX XXXX on the date in question, and there is no record of any money owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The problem is the same. It's a fraudulent company wanting payment. They do not have a signature from me giving them consent to receive any payment from me, period. Yet they continue to write and send bills. And my name is on that property deed, not Shellpoint, whomever they are. They are corrupt and this bureau needs to file a complaint for fraud, corruption, RICO. Do I need to go any further?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Genesis FS Card Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company name is Destiny Card Services put me in collections on XX/XX/XXXX and XX/XX/XXXX. I dont know who this company is where they couldve have gotten my information from but I never did any business with them. Being put into collections is ruining my credit score and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Credit Card Acquisitions Group
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2019 CCA Group called my sister and told her I had multiple bounced checks. That they will file charges very soon if they did not get in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Downing town XXXX used ally financial to finance my loan. Loan agreement was changed after paperwork was signed and I went to the bank to get down payment. I was not allowed to leave the dealer as the workers would not let me. And demanded I stay till paper work is signed. Finally I was let go to the bank to bring a {$2000.00} down payment which did not go towards my car after associate stated it would. The company ally financial then reported recently a XXXX day late penalty to XXXX yet this is incorrect. 
Im accordance with the fair credit reporting act this has violated multiple of my rights and I will continue to take actions further with an auto attorney if this is not fixed within XXXX days. Either the late payment on my credit must be removed or this investigation will further with notarization. 
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$3900.00} DEPTEDXXXX   XXXX {$4800.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$1600.00} DEPTEDXXXX XXXX {$4900.00} DEPTEDXXXX   XXXX {$3500.00} DEPTEDXXXX  XXXX {$4000.00} DEPTEDXXXX   XXXX {$7300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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