BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the 3rd complaint that I have filed against Midland Mortgage for their failure to post my payments to my loan. 
Currently I am receiving assistance through the Texas HAF program. My XX/XX/2023, XX/XX/2023, and XX/XX/2023 payments were sent by HAF to Midland Mortgage ; who received those payments on Friday, XX/XX/XXXX. Today is XX/XX/XXXX and my payments have not been posted to my loan. The total amount past due was paid. I am still within my grace period for my XXXX payment and will pay that payment once I receive funds from my student loan on XX/XX/XXXX. There is no excuse for my payments being held by Midland Mortgage. They continue to hold my payments and show a past due status and charge my loan for erroneous late fees. Why are they getting away with this?? They held my payments that were sent in XXXX and held them for almost a full month before posting them. This is against the law and I do not understand why they have not been reprimanded. This is a FHA loan and payments received must be posted immediately. Please help 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 2023-11-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting 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:
On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX Mortgage. XXXX XXXXXXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXXXXXX XXXX  ran an unauthorized hard inquiry against my consent. I contacted XXXX to file a complaint online contesting the inquiry and attempted to contact XXXX online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXXXXXX XXXX from another representative from XXXX XXXXXXXX XXXX  soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.

Company response to consumer: In progress
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : XXXX. Original creditor 's name and contact information. 
XXXX. Account number and date of debt inception. 
XXXX. Detailed breakdown of the claimed amount, including any interest or fees. 
XXXX. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have any calls from you, also 1 of the accounts is deleted so that is inaccurate. I reported the inaccuracy of the debt and asked to verify that as there was no accurate information about the debt. ALSO " Written Notices in Communication : Hospitals are required to provide you with a specific notice before transferring a hospital debt to a debt collector. This notice will include a copy of an application for free or reduced care under that hospitals policy. In the first written communication with you, debt collectors must also send you a copy of this notice. " Which is another thing that was missed. You can contact me to delete these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, DEPTEDXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Saturday morning I woke up to two emails from Bank of America online banking from XX/XX/XXXX at XXXX pm. The first email was titled 'Verify your email address ' and the second sent at XXXXXXXX XXXX was titled 'Welcome to Online and Mobile Banking. I forwarded both emails to XXXX and did not hear anything. 

On Tuesday XX/XX/XXXX @ XXXXXXXX XXXX I received another email from Bank of America titled 'Your email address was updated '. This time I forwarded the email and also called Bank of America. I spoke with a person in the fraud department who confirmed the account was opened with all my information and she was able to tell me the strange email address the account was changed to ( strange because it was a random combination of letters and numbers, not a word or a name like a someone would use ). She told me no money had been placed into the account or removed from the account and that she was closing the account. She also told me she would send me information regarding fraud detection and protecting myself in the future. 

I have not received anything. I am not even 100 % sure this fraud issue has been resolved. I'm worried for my credit and future as all my information seems to have been breeched. 

In addition, I already had a fraud alert placed on my credit accounts from XX/XX/XXXX when someone attempted to file an unemployment claim in my name. My employeer HR department informed me of the unemployment claim they received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of Errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On Wednesday XX/XX/XXXX I opened a " Truist Bright Checking '' account with Truist Bank, via their website. I funded the account with an initial deposit of {$1000.00} via an ACH transfer from my XXXX account. 

On Thursday XX/XX/XXXX, the withdrawal cleared my CapitalOne account, and was notated as : " Withdrawal from SUNTRUST BANK XXXX XXXX ''. On that same day, I attempted to login to truist.com to check my balance and begin managing my account. The credential I initially created did not allow me to login, I received a " security verification unavailable '' error. I called Truist for assistance and my account was eventually corrected so I was able to login. 

On Friday XX/XX/XXXX I attempted to login again ; after accepting my credentials I was immediately returned to the login page. 

On Monday XX/XX/XXXX I again called Truist support for assistance. After some time, the agent let me know I would need to visit my local BB & T branch for assistance. I asked why Truist support could not again assist me with my Truist account. The agent explained that was the only course of action. 

I explained I had opened my account with Truist, not BB & T, though the funding withdrawal came from SunTrust, and that I was not pleased with having to travel some distance to a BB & T branch for assistance since I never intended to hold a BB & T account and there is a SunTrust branch within walking distance of my home. I requested that the account be closed and a Cashier 's Check be mailed to me, or the money be returned via wire or ACH, since that was how it was debited. 

The agent put me on hold and indicated that the only way for me to recover my funds is to travel to BB & T ( again, a bank I did not open an account with ) and work with the people at the branch to XXXX and close the account. 

I called back later to request my account number in order to file this complaint, and Truist refused to provide it, indicating I could retrieve it online ( an impossibility ).

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 2020-12-17
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
Today, XX/XX/XXXX of XXXX, when I am reviewing my XXXX Credit Report I found an open account from " SYNCB/TJX COS DC '' for the amount of {$2500.00} that was updated on XXXX XX/XX/XXXX into my XXXX XXXX credit report. 
I don't know nothing about this account and this account do not belong to me, also why XXXX allowed that this company ( as per XXXX " SYNCB/TJX CO DC stands for T.J.Maxx Companies DC through Synchrony Bank '' ) posted this debt on my credit report.

XXXX works to support this kind of illegal / fraud scheme instead of protect our credit information, this fraud does not appear on the other company like XXXX and XXXX. 
This is not the 1st time I have problems with Experience, last year they did a mistake and after I placed a complaint in this site, they finally resolved the issue without any consequences. 
I need facts that this CC belong to me! 
Thanks

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 2022-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred XXXX dollars from my XXXX  CHECKING ACCOUNT to my BANK OF AMERICA SAVING ACCOUNT on XX/XX/XXXX, and still, I haven't received the money. Today 's date is XXXX, XXXX. 2022. 
After 5 or 6 visits ( maybe more ) to both banks in order to find an answer, XXXX XXXX gave me proof of payment, meaning that the check was paid to BoA, so seems that XXXX did it right and the problem is with BoA. 
Today I went to BoA where I've been very well treated every single time I went. The representative and her manager apologized to me for the inconvenience despite the fact they are not responsible and offered to me come back with a solution by the next Monday. 
On top of that my XXXX cards ( from BoA and XXXX ) were cloned, so I can't use them until I receive the new cards. 
I'm trying to figure out how to manage my payments. 
Hoping for a solution. 
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 monetary relief
Consumer complaint received 2022-03-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have submitted all my paperwork for a loan modification and the company keeps saying I need to resubmit the same documents. I asked if I can pay my loan down and they said not until I am approved for their loan modification. It has been months and my credit score keeps dropping drastically because they are reporting missed payments at Shellpoint. I asked for an update on XX/XX/XXXX ( via email ) and it has been over a week and they keep leading me astray. Please help in this regard as I am trying to receive more information about my home. I suffered a XXXX XXXX because of Covid and the pandemic, but I am looking for options with my mortgage. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity bank sent me a new j crew credit card. When I made the first payment in the new card ( XXXX ), they applied it to the old card ( XXXX ). I called in and they acknowledged my complaint on/before XX/XX/2022 in writing. Since then, they have continued to report me as delinquent at the bureaus and charge interest and high fees ( {$110.00} in fees and {$20.00} in interest ) when I have made timely payments on all purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX  XXXX  Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$320.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have disputed this account with the credit bureaus since XX/XX/2021, I have sent my first letter to the bureaus on XX/XX/2021 to be exact.. and they still haven't made a resolution to this problem. I am disputing these accounts because I do see some information that is reporting inconsistently. I believe it is my right as a consumer to ask for validation, correction, or deletion of these items if they are being reported erroneously. 

I have attached my evidence that the CRAs are confirming that the information that was there was wrong however they're not willing to budge in the rest of the detail and I feel that I'm highly compromised and therefore I'm needing for them to take action or make a speedy resolution on this because I need to be able to access my credit and this is actually hurting me more than it's doing me good.

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 2020-03-17
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Dynamics recovery solutions keeps calling my employer and my office asking other employees and my employer about me. My employer and myself have asked them several times not to call and they continue to call. This is against the law and I'd like something to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Northstar Location Services, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a call from Northstar collection agency about a debt on my XXXX Credit Card and the debt is not mine. My daughter is also an authororized user and has a card of her own w me being the primary account holder. Upon first contact I thought it was a scam but after realizing the agency is legit I further explained the debt is not mine. The agency mailed myself and my daughter all the statements from XXXX and my daughter did have charges made by her that should have been covered by the negative balance XXXX actually owed us due to a claim that was filed by her but the rest of the charges were not ours. I explained to Northstar that I would pay any charges that were made by my daughter but wanted to dispute the other charges as they aren't mine or hers. I was speaking w a lady named XXXX and she transferred me to her mgr im assuming and this person tried pressing me to paying a debt for almost 18k that wasn't mine. I asked for validation of debt so I'd have something showing how to dispute these charges and I was told that they already mailed out the statements from XXXX  and they weren't going to mail anything else. I also would like it noted that upon initial contact w XXXX she tried a scare tactic saying if im saying these charges aren't mine then my daughter would be in trouble and face prison in order to get me to pay this. I never got anything from Northstar w in 5 days telling me how to dispute the debt and refused to send it when I asked them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
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. 
Agency : XXXX, Equifax and XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: In progress