BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 incurred a charge of {$17000.00} that was due XX/XX/2023. Previously, I checked my statement on line. ( B of A doesn't send statements in the mail if you have paid online ) .My online statement prior to the due date showed the {$17000.00} balance with a minimum payment of {$170.00} option. On XX/XX/XXXX, I went online and scheduled a {$17000.00} payment from my checking account to be withdrawn on XX/XX/XXXX. My bank notified me via e-mail that the payment went through. Bank of America then withdrew from my checking account an additional {$17000.00} putting my account in the red. This has happened previously. I called Bank of America. They do not acknowledge any error on their part. They say they will investigate and refund the XXXX in 10 days. On their website they do not make clear how you can opt to pay a partial payment or complete payment or that they will take the entire balance. I asked how I should go about paying since I have no problems with other credit companies like XXXX where I pay my monthly statement online, specifying the amount and the date of payment to be withdrawn from my bank account without problem. They have no suggestions other than pay over the phone or by check, but then, as I mentioned, they don't send statements through the mail. I told the employee that this was a great financial inconvenience and could the refund be expedited, but that was impossible. I believe this is a very abusive non-customer practice. They should give alternatives or tips on how to avoid this situation.

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 2022-05-20
Company: OneMain Finance Corporation
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
My address is incorrect on my Equifax credit report but correct on XXXX and XXXX. I have downloaded documents to their website portal and taxed them proof my address is incorrect. I sold my house, Moved away for a year then bought a house at a different address. They put.down my old address ( the house I sold again. ) When XXXX pulled my credit Equifax said I didn't have a credit file. I have tried for 3 months to get this corrected without any success! My personal information was also compromised by their data breach and I didn't receive the compensation they promised after I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: PA
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 XXXX  Account # XXXX and XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XXXX I received a letter in the mail stating that I received a special offer to apply for up to {$4000.00} and then I wouldn't have a payment on my loan until XXXX, so I applied with some upcoming medical bills I am anticipating, they denied the loan, then today, less than 2 weeks after they denied me they sent me a letter with the same wording except no payments until 2023! Stating up to {$10000.00} dollars. This is not an acceptable practice as they KNOW and I KNOW it is NOT something they can do and sending a letter KNOWING nothing is available is not an ethical or correct practice and is very distressing and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Starting XXXX XXXX With agent XXXX XXXX up until today my Loan # XXXX seemed to be going in circles.I have never been late on a payment and purchased the property XXXX XXXX XXXX XXXX XXXX Arizona XXXX XX/XX/2018 for XXXX. The home has appreciated to XXXX to XXXX.My credit score was 750-770. The amount of the new loan will be XXXX. I am not asking for any money out. My XXXX XXXX account is at XXXX dollars.I gave Bank Statements that showed XXXX to XXXX per month.My second income property is valued at XXXX XXXX in XXXX XXXX with a XXXX balance and is also with New Rez Mortgage.My documents state that if this loan doesn't close within 90 days of application my borrowers rights may terminate.My current Insurer is XXXX XXXX which was presented to XXXX XXXX and was better coverage and less expensive than any presented.Many times I resent documents to make sure that the were in New Rez possession.I reached out to XXXX XXXX who was XXXX XXXX Superior with no return calls twice.I also reached out to Mr. XXXX of New Rez with no return call.I believe XXXX XXXX as I knew time was of the essence.My current interest rate is 4.8750 which is high and my payment is XXXX Dollars per month.My Loan Estimate was 3.25 % and a payment of XXXX with taxes and Insurance of XXXX included. Remember my Insurance is already in place and New Rez is the loss payee.I hate to say it but a loan agent not named said it might have slowed due to my age XXXX years old.Now suspect is {$6600.00} estimated closing costs and {$7300.00} Cash to close.Shellpoint Mortgage is associated with NEW REZ

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
Experian ID Works is doing credit monitoring as a result of data breaches by two entities. Their system can't handle this. I tried to have them set up two accounts for the two data breaches, but they told me it was impossible. When I tried to log in, I am effectively locked out of my credit monitoring accounts. When I tried to have this corrected ( today, on XX/XX/2023 ), they required me to have the code that came with the letter from the party whose data was breached. I had already shredded the letter so I no longer had the information. And, they said they couldn't work backward to discover the incidents for which the entities bought data breach coverage.

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 2021-04-19
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our loan in the spring of XXXX. Our original loan was with XXXX and was sold to ShellPoint Mortgage Services. Our loan was paid for through XXXX of XXXX with XXXX. My first bill from ShellPoint came on XX/XX/XXXX with a due date of XX/XX/XXXX. I was told that I would not have a XXXX payment when I called initially on the purchase of the loan, but still received this bill. We paid this bill on XX/XX/XXXX and then paid again on XX/XX/XXXX for an additional 2 months of loans. We also paid in XXXX. I have talked now to 4 different representatives of this company and I get a different story everytime I speak with them. They keep telling me that I am a month behind in payments, but I have paid 4 monthly amounts and received 4 bills, so there is no possible way that I am behind. I thought I made some progress with the last person that I spoke with, but she called me the next day to tell me that I owed for XXXX because they didnt get paid by XXXX. I just need to talk with someone that is competent so that we can get this accounting system error resolved. When the person called me back, I requested to speak with her supervisor in which she transfered me a a voice mail that was not set up and I could not reach anyone live.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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 submitted several dispute with XXXX, XXXX and transuion for a medical bill reporting on my credit report, and also my mortgage company XXXX XXXX XXXXXXXX reporting inaccurate missed payments. 
I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. 
My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in XXXX. 
I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit report.

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 2020-07-10
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I accidentally scheduled a payment for {$1000.00} more than I intended on XX/XX/20, and I wanted to see if that could be applied as multiple payments. Initially I called the FedLoan Service number and was re-routed to the website. 
When I got to the FedLoan site, even though I have a username and password, I wasn't able to login. I tried everything I could, including resetting my password, getting my username re-sent, even going so far as to try and create a new account. The website would NOT let me do anything. I kept getting messages that either my information was wrong or there was already an account created. The website said to contact FedLoans by phone if having trouble with online accounts. 

So, I called the number again, got through to a female agent, but I could not understand her " ID Number '' and name. We talked about my issue for a little bit, and she explained that I don't have an online account. I explained that I was unable to even create an account online. She started saying and repeating that she can't help me with anything online until I have an account. I said, " Yes, I understand, but because I can not even create an account, I need help with that. The website told me to call this number if I needed help. '' Of course, she repeated " Ma'am I see that you do not have an online account, so I can not help you. '' I asked if there was an IT department or a website person I could talk to. She said " No. '' Kept repeating her message ; " Ma'am I see that you do not have an online account, so I can not help you. '' I asked if her supervisor could help me. She said she was not authorized to transfer me to a supervisor. I asked how I was supposed to be able to get online and she repeated the same message to me. Things were getting snarky and condescending, so I asked for her name and her ID number again. 

She literally said " Thank you for calling ma'am '' and HUNG UP ON ME! 

I hope you listen to this phone call because it was unbelievable! 
My phone number is XXX-XXX-XXXX I called between XXXX and XXXX XXXX XXXX on Friday, XX/XX/XXXX. 

Please help with my online account! I will try to call the number again later, but I am at a loss as to why this person was so unhelpful and utterly rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CITIBANK, N.A.
State: ID
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:
Citicard debited autopay amounts from an old bank account that was never setup for autopay instead of the one specifically setup for autopay. The amount debited was {$7600.00} resulting in an overdraft of that older account. I never activated the auto-pay feature until after entering a new account that was setup specifically to act as the autopay for credit cards and has plenty of cash to cover. The new account has been auto-debited for about a year without issue and now out of the blue the card debited against the old account which was only ever used for manual payments. This is an unacceptable mistake and has caused serious ramifications and a problem I have to waste time solving.

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 2020-07-11
Company: JPMORGAN CHASE & CO.
State: PA
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:
In XXXX 2020 I purchased round trip ticket XXXX ( XXXX USA-XXXX ) using my Chase Amazon Prime credit card. 

In XXXX 2020 the first leg of the flight was cancelled by the airline. In XXXX 2020 the second leg of the flight was cancelled by the airline. 

The airline no longer flies this route and it is unknown at this point when and if the route will be reinstated. 

The contract of carriage says that I am supposed to be offered cash back if the flight is cancelled by the airline. See article 17.2.2 ( 1 ) of the contract of carriage which covers the flight cancellation provision ( attached ) The airline violates its own contract of carriage and is only offering the voucher for future travel. I have no use for such a voucher. Airline does not offer cash though it is supposed to offer it as refund option according to its own contract of carriage. When I contacted airline in XXXX 2020 they refused to give my money back. 

I initiated the chargeback with Chase Amazon Prime, Chase is refusing to refund my money for the service I did not receive. 

I contacted Chase via phone in XXXX 2020. Then in XXXX 2020 and then in XXXX 2020 via regular mail. Chase is refusing to complete charge back on my behalf, thus it violates the Fair Credit Billing Act. Chase leaves me exposed to the charges for which I have not received any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX 

XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX XXXX XXXX. 

XXXX XXXX / XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX IN CO. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 



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 explanation
Consumer complaint received 2023-05-16
Company: BARCLAYS BANK DELAWARE
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: Problem with personal statement of dispute

Complaint:
Hi, I had a gap  credit card that was sold to barclay bank. Gap  transferred all of my info including my checking information. I automatically set up my payments with ll my credit cards. Once gap  sold to barclay, they stop the automatic payments unknown to me. I call and requested help with the late reporting. They decline to help me. They said the did have my checking info to pull the payment but the automatic stop once the account was transferred. I just need help. I have never been late with gap  and now the killed my score and cause XXXX to cut my credit once they saw the 60 days late. Please help.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
During the pandemic in 2020 my entire household was hit with XXXX XXXX and me and my spouse was completely out of work we was very sick so I reached out to a public agency who assisted with rental payments to help me with rental payments because I had fallen behind and I had to come off of my job because I was so sick and to help take care of other household members who was also sick the agency agreed to pay 4 months of rent including what I had fallen behind of the leasing office claims they never received a payment in which the case rep who was helping me at the time sent all receipts and letters for proof in which I have attached copies of.

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 2022-11-14
Company: Nelnet, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company GREAT  LAKES. Pursuant to XXXX XXXX ( XXXX ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This XXXX XXXX debt collector left a receipt of this inquiry ( GREAT LAKES ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX OF XXXX, and XXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.

Company response to consumer: Closed with explanation