BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My Name is XXXX XXXX I am a homeowner and filed a claim with my insurance company XXXX which made good on a claim for property damage. ( Repairing my cabinets. I received a claim check from my adjuster in the amount of {$2500.00} for the repairs. On Saturday, XX/XX/XXXX I deposited my claim check with Bank of America, who immediately put a hold on the funds, stating that Nationwide, which is a National Company is infamous for insufficient funds. After an objection the banker advanced XXXX of my claim check, however, she applied without my knowledge applied the funds as nonsufficient overdrawing my account, and causing my phone bill to bounce. I've gone to the supervisor to the bank who refused to reverse the charges. I contacted XXXX claims, who advised me the check has cleared. I do not know what to do Bank of America is destroying my finances and showing no mercy.

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 2019-03-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am having extreme difficulty with OCWEN Loan Servicing. They have continually given me false information or no information. This whole scenario started with an award from XXXX XXXX XXXX XXXX An amount of XXXX was sent to OCWEN in XX/XX/XXXX and they applied all but XXXX months payment to the principal in XX/XX/XXXX. Then in XXXX they sent it back to the XXXX and put my account in arrears, default and obliterated my credit report. After spending most of the rest of XXXX on the phone with them they finally got the funds back from the State, applied the whole amount this time toward the principal, corrected my credit reports, and removed the default fee. When I looked at my account it was correct as of the XXXX statement. However, now they seem to be playing around with the funds again as some XXXX is unaccounted for in the principal and the payments have gone up from what I thought we had agreed upon as of a conversation with their escalation manager XXXX on XX/XX/XXXX. To make matters worse they have created no less than XXXX different 1098 forms, each with a different amount of interest paid in XXXX. The first one shows an interest amount paid of XXXX. The second one shows an interest amount paid of XXXX. The third one shows an interest amount paid of XXXX, which is the closest to the reality. ( See actual payments below ). The fourth one shows an interest amount paid of XXXX. I have been trying to talk to someone in escalation to get some answers but am having no luck. Every time I get a rep they either dont know or tell me they will let escalation know. Im worried that they are manipulating funds to benefit themselves and I dont even know what all they can get away with here. Im even concerned about what the 1098s are telling the IRS. And finally, they have made so many entries on the payment history it looks like a Byzantine nightmare. Please help. 

Actual Payments for XXXX from bank records : XXXX XXXX XXXX XXXX XXXX XXXX Apr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : XXXX was originally paid out of the XXXX funds when received the first time. XXXX, XXXX, & XXXX payments were increased by me to start reducing principal. Ocwen later used they funds to apply to interest when XXXX funds were received from the State the XXXX time. So XXXX interest only was XXXX and I added XXXX meant to reduce principal. XXXX was XXXX and I added XXXX. And XXXX was XXXX and I added XXXX. As confusing as this is I think what I state below is what should be and matches the XXXX statement and what was also on the payment page on XX/XX/XXXX when I talked to XXXX from escalation. XXXX days later they began playing with the amounts again. Now the payment page is off by some XXXX with regard to principal balance and payment is has been kicked up to XXXX when it should be XXXX as per the XXXX statement page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
To whom this may concern the following check and go account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to 3rd party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance Sent from my 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 2019-07-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
OKAY SO LET ME START BY SAYING HOW XXXX I AM WITH THIS COMPANY! IVE BEEN WITH THEM FOR YEARS AND HAS BEEN VERY LOYAL!! ANYWAYS SO I CLOSED MY ACCOUNT, THE REP I TALKED TO ON THE PHONE TOLD ME I CAN PAY IT OFF WHEN I WANT SHE NEVER TOLD ME THAT I WOULD BE GETTING LATE FEES!! SO ABOUT TWO MONTHS LATER I LOOKED AND SEEN THE LATE FEES CALLED AND TOLD THEM WHAT THE LAST REP TOLD ME THEY BASICALLY TOLD ME I WAS LYING AND THEY WERE GOING TO LOOK INTO THE CALL ITS BEEN ABOUT 3 MONTHS STILL NOTHING, THEY KNOW THEY WAS WRONG THEY TOOK THE LATE FEES OFF MY ACCOUNT BUT DID NOT REPORT TO THE CREDIT BUREAUS SO THE LATE FEES ARE STILL ON MY CREDIT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX and Experian received written notification with proof of identification that the address information needed to be updated but they did not update it. Twice i sent in requests that have not been updated

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 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2021-01-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$1100.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian has reported an inaccurate balance from XXXX  XXXX XXXX on your credit report for the month of XX/XX/2023.

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 2021-01-14
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at approximately XXXX I received an email that my Chime spending account was being suspended. As well as my Chime credit card. I currently have {$1200.00} dollars in my account. They said it was due to how my expense reimbursements where being paid. They requested documentation which I expediently submitted. I have a chain of emails and call logs in my attempt to follow up with the situation. Chime tells me it's XXXX that is suspending the account. However when I reach out to XXXX they tell me they have no information and I would need to deal with Chime. I have never felt to helpless when trying to access my funds for something as simple as fuel to my car. I have been a member with Chime for over 2 years. I stayed with them even after a multi-day outage where we could not access any funds. No one nationwide could access any of their funds in their spending account. Suspending one 's account without warning is an incredibly unfair and deceptive business practice. I would have been happy to provide whatever they requested had they notified I was at risk for suspension. We can not contact any live agent in this supposed review department and have to email a go between department. I just need to pay my bills and feed my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: MD
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:
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX has XXXX 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 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 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 2018-04-13
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
I own a small trucking company. One of my trucks needed a repair. I hired a mechanic to do the repair on XX/XX/XXXX. He told us he installed new batteries and a new starter on the truck. The mechanic stated his work was guaranteed and I paid him with my TD Bank XXXX credit card {$2300.00} for this repair. When my driver went to start the truck for work the next day, the truck did not work/start again. We tried calling/texting mechanic to let him know the truck was not working even though the previous day he said he fixed the truck. I have the texts and phone records showing we were reaching out to the mechanic with no response from him. I had to hire another mechanic to fix truck again and found out the parts put in my truck by the first mechanic were wrong. I filed a dispute on XX/XX/XXXX for the above transaction with my TD Bank XXXX credit card. Even though I paid the first mechanic {$2300.00}, my dispute amount was for only {$1300.00} because that amount is for the wrong parts. The credit card company requested proof of records and a second estimate for work done on truck. I overnighted a package on XX/XX/XXXX to the credit card company. Within a day or two that is when the dispute department requested a second estimate. The dispute department stated I had only until XX/XX/XXXX to submit the second estimate documentation. So I faxed the second estimate on XX/XX/XXXX which was the same date the dispute department received my overnight package. When I called to followup on Tuesday, XX/XX/XXXX the dispute department stated they never received second estimate needed for dispute, even though I had a fax confirmation transmission stating the fax was sent. So I sent fax again onXX/XX/XXXX ( which was the deadline for this documentation ) and received fax confirmation sheet stating the fax was sent. TD Bank XXXX credit card stated they never received second estimate in time and they closed my dispute. So even though I did everything they requested in the time they wanted because of the failure on their end with not receiving fax ( even though I have proof ), my company lost when I should be protected by the " XXXX '' logo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-28
Company: Experian Information Solutions Inc.
State: CA
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:
Account # : XXXX, XXXX has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer.XXXX XXXX XXXX XXXX XXXXXXXX # XXXX is proof that XXXX XXXX received my notice on XX/XX/2022. XXXX XXXX that the continued reporting of this inaccurate information is a clear violation of the FCRA. 15 USC 1681a ( 4 ) Cleary states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am a consumer and as a consumer I have a right to privacy, according to 1681b permissible purpose. 
XXXX XXXX XXXX XXXX is a living man with blood running through his body and a free citizen of the state and the people of the several states are unconditionally sovereign within their respective states and must consent to be governed. I have never and I will never give any persons my consent to be governed. No court or persons have jurisdiction over me. I didnt give XXXX or any person written authorization to furnish THE DIVISION OF CHILD SUPPORT EN on my consumer report. 

Furthermore, XXXX XXXX have failed to provide the method of validation as required under 15 USC1681i ( a ) ( 7 ).

More violations of my federally protected rights : 28 U.S. Code 1691 - Seal and Teste of process 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 s-2 of your responsibilities as a furnisher of information. My rights are clearly being violated according to THE FAIR CREDIT REPORTING ACT. Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA XXXX is required to ... promptly DELETE all information which can not be verified. 
Attached is my notice to XXXX demanding deletion for lack proof of contract between me and furnisher and a notice from XXXX XXXX OF XXXX showing no XXXX is connected to my name in the state of New York. 

I am making complaints with the CFPB, FTC, XXXX CA and IL state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.

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 2021-01-14
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:
This company has reported late payments for XXXX and XXXX of 2020, both stating 30 days late. The payments were late but NOT 30 days. The 1st payment on the account was due on XX/XX/2020 in the amount of {$15.00} and payment of {$15.00} shows cleared through their app on XX/XX/2020. That is not 30 days late. 2nd payment was due on XX/XX/2020 {$0.00}. It has not even been 30 days since this due date. {$5.00} was paid and cleared on XX/XX/2020, {$15.00} has been paid XX/XX/2020, and {$5.00} was paid on XX/XX/2020 as well. None of these payments are 30 days late. This company is ruining the work I have done on my credit and I want it fixed! 

They are also attempting to take money out of my account although it states that {$0.00} is currently due. 

I have attempted to reach out to this company by phone and email and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation