BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: 1st Franklin Financial Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A XXXX XXXX continues to call my place of employment which has caused me embarrassment and problems at work. I can not receive collection calls at my work XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX, I have a barclay XXXX XXXX credit card ( acct XXXX ), and a bill of {$110.00} was due on XX/XX/XXXX. I used chase bill pay to pay in advance and the check was delivered to barclay on XX/XX/XXXX. however, the check was not processed immediately, and i checked regularly between XXXX to XX/XX/XXXX and it was not posted on the website. Because it was near the end of the day on XX/XX/XXXX and i still don't know if the payment will be processed, and i didn't want to get assessed a late fee and interest, i ended up paying a second payment of {$110.00} through barclay website and it went through. I then contacted XXXX to stop the first check since i have now made 2 payments. barclay ended up assessing a {$39.00} return payment fee when they finally process the first payment check. i've tried to contact barclay to see if they waive the fee given my situation, and they would not do it. i feel i'm getting penalized for something that's not my fault as a customer, i have the best interest to make sure barclay gets their payment on time.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: NJ
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 filed chapter XXXX bankruptcy XX/XX/XXXX, that included the vehicle being reported as charge off on my credit report. I was dismissed from the bankruptcy the same year XX/XX/XXXX. The creditor report show charge off dates that are different years XXXX & XXXX. The payment history on account was delinquent 180 days past due as XX/XX/XXXX throughout XX/XX/XXXX as it changes frequently XXXX, XXXX, 90 days past due. The account was declared dismissed / charge off as bad debt effective XXXX XXXX. After several attempts to clear this matter now 8 year and 7 month old account its unsuccessful. According to the Fair credit reporting act this account should of been removed after the date of the first delinquency or the date of my XXXX to 10 years time last paid in bankruptcy. In the state of New Jersey its 6 years statue of limitation. I am 2 years and 7 months over. The creditor has change the information frequently when reporting to all XXXX creditor agencies and I believe this is wrong creating me hardships at this time.

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 2023-03-28
Company: DISCOVER BANK
State: NY
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:
The total balance is {$5500.00}. I sent out a VALIDATION OF DEBT on XX/XX/XXXX23, a NOTICE OF FAULT / OPPORTUNITY TO CURE on XX/XX/XXXX, and a NOTICE OF DEFAULT / CERTIFICATE OF DISHONOR on XX/XX/XXXX23 along with an AFFIDAVIT OF TRUTH. I requested validation of the alleged debt made pursuant to the FDCPA laws, listed my terms in my documents, and they provided no proof that there is a valid debt owed. I received a notice from the company on XX/XX/XXXX23, which simply stated that they had conducted their own investigation and the debt was valid. The credit card company closed my account on XX/XX/XXXX2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a Bank of America merchant services customer. I use Bank of America merchant services to handle all of my credit card processing. I was told and contracted that funds would be deposited into my business checking account within 1 business day of payment. I was contacted by BOA to explain and provide invoices for 4 transactions on XX/XX/XXXX, I provided that information on XX/XX/XXXX. I have had my credit card payments from customers held since XX/XX/XXXX, the amount is approaching {$30000.00} and I have not received any of it as I was suppose to. I have followed up every day by phone or email for the last 8 days with no response or resolution. All of my customers have picked up orders paid for or had them shipped. I am out the funds and the items. Bank of America has not explained what is going on and nobody in risk department will answer the phone or respond to phone calls. This has caused substantial harm and uncertainty to my business.

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 2023-08-04
Company: EQUIFAX, INC.
State: TX
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
BOA cut my credit limit. I have been with them for years and have other accounts. I m not aware that I have been more then 30 days late. This adversely affects my credit score

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 2020-08-11
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with FMC-OMAHA SERVICE CT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FMC-OMAHA SERVICE CT with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of nd being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent all required documents to the bureaus as attached. which are my driver license, social security card, current bill police report and also letters to each bureau with fraudulent account noted. and none of the accounts where remove

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 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Hi, I sent two wire transfers from my personal XXXX XXXX account to a business account held at Bank of America. 
1st wire transaction, XX/XX/2022 : I sent {$10000.00} but the recipient account number was incorrect so the wire reversed but less {$45.00}, so I only received {$9900.00}. I was also charged {$25.00} for outgoing wire fee ( XXXX  ). 

2nd wire transaction, XX/XX/2022 : I noticed the error with the account no in transaction 1 and attempted to fix it but for some reason the changes did not save. I proceeded to do the wire transfer again ( {$9.00} ) - I paid another outgoing fee of {$25.00} and later found out that the wire was reversed, a {$45.00} fee was also deducted, so I received {$9800.00} I have called both XXXX XXXX  & Bank of America to find out why I never received back the full wire amount, none of them is claiming responsibility for the fees, they kept pointing fingers at each other, I have been transferred from department to department and called several times and spoken to different reps- each claiming the fee is from the other institution. 

I am imploring CFCB to look into this and help me recover the {$90.00} that was lost during these transactions. 

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 explanation
Consumer complaint received 2023-08-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I used the Bread Financial Comenity Bank Victoria Secret Store Card for one purchase of {$21.00} ( rarely use the card ), never received a statement after the charge, received a statement about 2 months after showing late. Immediately paid the bill and asked for them to remove the late fee. I told them that I did not receive the statement indicating what I owed and when, customer service reps were unprofessional and rude. They would not remove the fee. The balance on the card was paid in full, I closed this account. 
They are charging me late fees on a late fee balance and interest on a late fee balance. These charges are unresonabale and I want them removed. I have closed this card and all of my cards with this bank because the reps are rude and I never want to deal with this bank again. I want this to be resolved, this is not fair and they are taking advantage of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: General Motors Financial Company, Inc.
State: MA
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:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XXXX XXXX, XXXX XXXX, XXXX XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My checking account was robbed of almost {$500.00} thru a money transfer app called Zelle. Someone accessed Zelle through my bank account and created numerous false contacts in several different names and transfered money out in small amounts to a large group of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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:
Experian, XXXX XXXX XXXX has all types of different names on my account. previous addresses that I did not give authorization or consent for them to report to my credit. As a consumer this is violating me and my personal information. I demand for Experian, XXXX and XXXX to delete ALL MY PERSONAL INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Flagstar Bank, N.A.
State: WV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello- my mortgage was sold to Flagstar a year or so ago, without my knowledge or consent. I recently paid my mortgage balance down to 80 %. Repeated attempts with Flagstar to have the PMI insurance removed have been unsuccessful. I was told by a Flagstar rep that it stated in my original mortgage agreement that I signed for PMI insurance the full term of the mortgage, yet they won't send me a copy to prove this. After doing my own research, I believe that I'm not required to pay PMI after the note is reduced to 80 %. As well, I've never missed one payment! I'm hoping to gain some insight as to what I'm responsible for regarding my mortgage with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been trying to refinance, with what we thought was a good credit record that has no missed or late payments for the past 25 months, no negatives on our credit report, yet was told today that our loan is showing a 50 year ( 600 month ) loan and the first three payments made when the loan transferred to SPS Mortgage on XX/XX/XXXX to XX/XX/XXXX not being reported to the credit bureau is stopping us from refinancing with any of the top mortgage lenders. We've disputed this with SPS various times before with they're response for the 3 missed payments being a litigation filed. 

There was an initial court filing but was soon withdrawn by the attorney because he did not want it stand in the way of us refinancing. SPS response to them not reporting the first three months was because of a litigation. The litigation was soon after removed but they refuse to correct the reporting to show that we have made consistent and on time payments. 

Concerning the 50 year term. That does not exist for our loan, we were told to look at the Note for the loan that dated XXXX that is the same date of the loan they list on the credit reports. That loan was an 30 year XXXX XXXX loan and that a mortgage Servicer follows the Note, which as they listed would be the one dated XXXX which is the same year of the Deed. 

The prior ( to SPS ) mortgage servicer also listed the date of the loan as XXXX, but they reported the terms accurately of being a 30 year loan ( 360 month ). 

There was a loan mod, that changed things to a 40 year loan, but Servicers follow the Note as what the prior Mortgage servicer did because it also referenced the loan by the 2005 year date. 

Every time we applied to refinance we were told that the 50 years term makes our loan look really bad and that it should not be on the credit report because there is no NOTE to support it. The year of XXXX and the original loan amount of {$190000.00} that SPS reports for the loan should also include the original terms that properly represent the loan that is 30 year fixed. I have attached both documentation to both problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 isn't my account. Please remove 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