BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I logged into my Bank of America credit card account online this evening and saw that my account was flagged as overdue and I was charged a {$25.00} late fee. My checking account is linked and autopay was set to pay the minimum balance every month on the due date, which was XX/XX/2021. I immediately made a manual payment today, XX/XX/2021 and called customer service for help in resolving this issue. I asked why the autopayment was not made and I also asked for the late fee to be removed since it was not my fault that the payment was late and I have never been late before. The representative was unable to help me resolve the autopayment issue and he said that my late fee could not be removed and there was no way to appeal the decision. I find this unacceptable and feel that I should not be paying for their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted XXXX, TransUnion, and XXXX to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.

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 2018-08-26
Company: JPMORGAN CHASE & CO.
State: MI
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:
Dear Sir, I am going through the XXXX Credit Report dated XX/XX/2018 and also checking inquiries on my report. I have closed all my individual chase credit cards on XX/XX/XXXX and XX/XX/2018 respectively. I have noticed that, XXXX credit report has fraudulent inquiry of Chase Credit Card dated XX/XX/2018. Chase is a fraudulent credit card company and hence I have closed all the credit cards, same has been recorded in CFPB complaints, Fraud and Identity complaints. 
Why did chase inquire about my social when I have not contacted chase card or I do not have any plans to have any kind of chase credit card. Could CFPB direct chase card/XXXX to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct chase card/XXXX to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my XXXX  Credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: ME
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 have provided proof many times that I was out of the country and an unknown third party took out many accounts in my name without my knowledge or consent. Despite this, XXXX XXXX XXXX illegally posted an old account that does not belong to me on my credit again to attempt to extort money from 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 2023-05-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that the same account was erroneous. The XXXX credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$500.00}

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 2023-10-03
Company: Bread Financial Holdings, Inc.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was given unknown notice on my credit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i owed outstanding debts which threatened my credit without my knowledge of these debts they can not show me proof of my signature being obtained or follow up on resolution of proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: IN
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX Reported : XX/XX/XXXX - {$500.00} Closed Overview You're currently using 169 % of your account 's limit. 

Balance {$500.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$500.00} Worst Payment Status No Info Account Details Account status Derogatory Type Credit Card Responsibility Individual Remarks Charged off as bad debt Dispute resolved; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
today my spouse who has authorization to speak on my account has been requesting to speak on a non recorded line which is our right in massachusetts today called in again and request was made and said they would get back to us.THIS IS THE SAME LINE MONTHS AGO CARRINGTON GAVE MY HUSBAND.WHY IA NOT BORROWER OR BORROWER REP BEING AFFORDED THAT RIGHT.CARRINGTON BY NOT ALLOWING TO SPEAK ON NON RECOEDED LINE IS MAKING IT LOOKLIKE WE ARE NOT IN COMMUNIQUE WHICH WE ARE.ALSO IT SEEMS THERE ARE MISSED CALLS BY CARRINGTON AND THEY ARE NOT LEAVING MESSAGES SO WE DONT KNOW WHO TO SPEAK WITH, THEY SEEM INTENT TO FORECLOSE AND HAVE TRIED LOOKS LIKE THEY ARE TRYING TO PAINT BORROWER IN A NON COOPERATIVE LIGHT. ALSO A XX/XX/2018 LETTER WAS CONFIRMED RECEIVED IN REGARDS TO A PAYMENT PROPOSAL BUT NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account from XXXX XXXX XXXX is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  notified us in XXXX, 2019 that our mortgage loan was bought by XXXX XXXX but - not to worry - XXXX would continue servicing the loan. Fast forward to XXXX and a notice from XXXX XXXX  that our mortgage will be serviced by Flagstar Bank commencing XXXX. We received this notice on XXXX - 13 days before the transfer. The notice also instructed us to cancel our automatic withdrawal and wait for payment instructions from Flagstar Bank. We cancelled our automatic withdrawal on XXXX as instructed. 
As of this date, XXXX, we have received no - as in zero - communication from Flagstar Bank and are 8 days from the due date for our first payment. In a call to Flagstar Bank, they indicate that they will send out instructions on XXXX - nine days after our payment is due. But, they say, we can go to their website and set up our account. 

All of this presents several problems : 1. We realize that XXXX or XXXX XXXX has a right to sell the servicing rights to our mortgage, and they probably do that in bulk form by pressing a few keys. At that time they drop any obligations to the people affected. Those people then enter a kind of twilight zone unasked for and unwelcome. They should at least tell us " sayonara '' within the fifteen ( 15 ) days stated by law. 
2. Similarly, Flagstar has an obligation to tell us how this is supposed to work and do so in a timely fashion - within fifteen ( 15 ) days of the transfer. While XXXX - eight ( 8 ) days AFTER is - technically - within 15 days of the transfer date, we think the intention of that time period was to allow those affected to prepare for the transfer. 
3. Flagstar, in our call, says that we have a sixty ( 60 ) days " grace '' period to make our payment before being counted as " late ''. We've never missed or made a late payment at any time in our lives as our credit rating reflects. A mortgage loan is a contract, an " agreement '' between two parties. Each is expected to abide by the rules. 

So, to us at least, it appears that XXXX and Flagstar treat all this very casually - until they don't get their money. But, it is very disruptive and disconcerting to be placed in limbo without any real and timely guidance.

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 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
as i was reading my consumer rights i saw that the bureaus have 30 days to respond to my disputes. I sent a letter on XX/XX/21 and i have yet to hear from them and it has been past 30 days. This is a direct violation of FCRA and my consumer rights. I demand these accounts are deleted. 

I have attached proof of address and license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and companies involved responded. Some items were deleted but some are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-06-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and I ( XXXX XXXX ) came to an agreement to pay for deletion on account number XXXX. I held up my end of the agreement to pay {$1500.00} within 90 days from XX/XX/XXXX XXXX they have yet to inform the credit bureaus of our agreement. I have tried to contact the credit bureaus regarding this matter and have yet gotten a response. can you please help me resolve the issue By Removing this account according to the agreed upon terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My husband went to purchase a vehicle. The dealership sales manager said he would probably not be approved for a loan just by himself and told me I needed to sign with him in order for him to get the vehicle. I have never had insurance and they knew I did not. Once giving them a XXXX deposit they let me take the vehicle off the lot. Upon looking at the paperwork they listed my husbands insurance from Ohio on the vehicle. The Ohio insurance says they are not going to cover the car because its registered in Texas. I tried to get my own insurance but based on my pay I will not be able to afford it they are saying its going to be 3,000 for 6 months. I also talked to the bank and they let me know the loan has not been approved yet and that i'm just driving around a free car. I explained all this to the dealership and they are saying I have no choice that I have to keep the car. I have attorneys and the bank saying no I can return it. Im not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$4000.00}

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 2021-09-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I was served a summons from Midland Credit Management regarding an alleged debt that they claim I owe. The summons included a mailing address to the companys attorney as shown in the attachment. On XX/XX/XXXX I initially mailed their attorney a cease and desist notice certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands. A consumer has the right to cease and desist pursuant 15 USC 1692c ( c ). According to this subsection, once the notice from the consumer is made by mail, notification shall be complete upon receipt. Ignoring my cease and desist is a violation of 15 USC 1692c ( c ) and this is evidence that the companys infringement has been willful. Not receiving a response from the company is a violation of my rights as a consumer to cease and desist. I followed up by sending another cease and desist notice to Midland Credit Management on XX/XX/XXXX by certified mail with green receipt # XXXX as shown in the attachment and it was received on XX/XX/XXXX. I am notifying you in writing through this CFPB complaint that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and as the original creditor I am demanding all of the following : XXXX out the balance on this account, stop all illegal negative reporting of this alleged debt to all consumer reporting agencies, and send an AUDIT TRAIL for this alleged debt that can include an ( entire file on me XXXX XXXX, all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records ) Audit Trail credit application ). 

This is my second cease and desist letter to Midland Credit Management. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter and complaint, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist as well as a response to this complaint complying with the demands of this cease and desist. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights.

Company response to consumer: Closed with non-monetary relief