BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Upstart Holdings, Inc.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called on XX/XX/XXXX and XX/XX/XXXX. I have been paying on this loan for 2.5 years. I have made 30 payments. The loan amount was XXXX after an XXXX processing fee no one told me about. To date I have repaid almost XXXX and the loan balance is still over {$10000.00} dollars. The XXXX dollar monthly payment is causing me to not be able to pay my current bills. I am at a point that I am seriously considering bankruptcy because I can not get help.

Company response to consumer: In progress
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX  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 an account without my written instructions. - Account number XXXX Name XXXX XXXX XXXX. Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Phone number ( 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 2023-07-03
Company: Experian Information Solutions Inc.
State: GA
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:
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 Account XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2019-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a parent/child checking and saving account with Bank of America with my son. On approximately XX/XX/2018 funds were transferred between the checking and savings account and withdrawn via Bitcoin and ATM. There was also a deposit ( {$300.00} ) via check. None of these transactions were done by my son or myself. The next day after discovering these transactions, I called the bank and was told there was nothing they could do until the transactions were out of the " processing '' status. Once they cleared this status I called back and filed a fraud claim. My son made a police report and I continued to follow-up with the bank. Since XX/XX/XXXX, I have gotten very little satisfaction with Bank of America from handling this claim, closing the account 9and my sin being XXXX listed with all banks ) to receiving his remaining funds in his account after it was closed. I have contacted the bank serval times from XX/XX/XXXX - XX/XX/XXXX to clarify this issue. In XX/XX/XXXX I submitted all the required documents they have asked for and haven't gotten a written statement as to why the claim has been denied as of today. 

In XX/XX/XXXX, I was asked to submit a detailed copy of my cell phone bill to include all phone calls and text sent on the day in question to verify if authorization was given to make the bank transfers. I submitted the entire month of that bill and never received a response from Bank of America. I called about 3 days after submitting the phone bill and was told the information wasn't attached to my claim because I didn't call to tell them I submitted it ( although Bank of America gave me the information of where to submit the bill ). I then called back about 10 days later and was told the claim is still being investigated and can take up to 45 days. I called back about 2 weeks later and they concluded with a denial still ( still haven't received any written information  as to why the claim was denied ). While speaking with a representative ( XXXX or XXXX ) he couldn't understand why the claim was still denied and was attempting to put me in contact with the investigator that processed my claim and get a better understanding of why my claim was denied, we were mysteriously disconnected and he never called me back. I called back the following day and spoke with another representative and he said he would send a message for the previous ( XXXX or XXXX ) representative to contact me. Needless to say, neither the claims investigator or XXXX/XXXX has contacted me. I haven't contacted them since my last conversation in XXXX. I was told to submit a claim about this issue ( as per another bank ). 

Attached is a copy of exactly what I sent to Bank of America.

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 2022-02-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My payment every time is {$650.00}, ,half for the payment account and the other for late fee, ,and that happens for the first day in 2017, ,I dont know but is no look 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 2023-07-03
Company: Experian Information Solutions Inc.
State: VA
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2018-02-03
Company: Experian Information Solutions Inc.
State: AZ
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. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

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 2021-01-27
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX reports on all my credit reports derogatory and invalid information for years Ive disputed this and asked for validation of debt and none ever provided by XXXX XXXX, Equifax and XXXX. Credit agency keeps saying it meets fcra requirements but will not provide me any judgements, bills, or documents proving this debt belongs to me. I am going to obviously seek legal council and seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: FC HoldCo LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I arranged payment online and received a payment confirmation email with Confirmation Number : XXXX. There were sufficient funds in my account to cover the payment but the amount was not deducted from my account. I checked my bank account for the next few days and contacted the customer service department with the first call at approximately XXXX yesterday, XX/XX/XXXX A rep told me that the payment did not go through due to insufficient funds. I called my bank and was told that no attempt had been made to collect the funds from my account. I authorized the customer service rep to process the payment again. I checked my account on their website and noticed a {$20.00} fee had been added to my account. Another call to customer service at approximately XXXX and this time the customer service superviser (? ) told me that the fee was there because I had not typed in my bank information correctly. I asked for a screen shot of the incorrect bank number but she said it could not be proven to me. Bear in mind that this fee was added on XX/XX/XXXX and I never received any type of alert that there had been a problem with my online payment. The woman who claimed to be supervisor told me she would do a one time waiver of the fee on my account. I checked this morning and it is still on my account with no description of what type of fee it is. The due date on my account was XX/XX/XXXX. I was not aware that this particular finance company did not cover a 10 day grace period for payment. This morning I searched the XXXX reviews of this particular company and found a large number of negative customer complaints with similar complaints to mine especially about their customer service representatives and the lack of timely action and the inaction to handle complaints. As I am unclear about their lack of alerts regarding a problem with a payment and the type of fee they placed on my account, I would appreciate your review of this company especially as there is {$4.00} fee charged for making and online payment. I have been making car loan payments since XXXX and never encountered a poorly managed company as this.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested the credit bureaus to investigate every piece of information on the XXXX XXXX XXXX account and the XXXX XXXX XXXX XXXX XXXX Account. According to FCRA, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom his is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible, if they did not do a proper investigation. According to the FCRA 15 USC 1682 everything must be 100 % accurate. I am demanding a correction to my credit report by this item being deleted and removed from 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 2023-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection from SUNRISE CREDIT SERVICES, INC. XXXX XXXX XXXX XXXX XXXX NY XXXX : ( XXXX ) XXXX I have a statement from XXXX the company I had cable tv service through stating the account was closed with XXXX balance on XX/XX/XXXX. Sunrise is stating that a balance is still owned from XX/XX/XXXX. Sunrise has a history of collecting accounts under shady circumstances without providing supporting documentation of the debt.

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 2022-06-13
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2019 I became delinquent on my mortgage payments, about 3-4 payments in default. My mortgage lender, Shellpoint Mortgage, offered me a loan modification that would take my delinquent payments that were due and add them to the rears. I was assigned a mortgage assistant name XXXX XXXX to assist me in getting the loan modification. My wife and I sent in the application and all the required info. We were preapproved and were waiting for final approval. XXXX XXXX indicated to us that everything would be okay and we would ne approved. One month later we were denied and Shellpoint immediately filed for foreclosure. We filed for XXXX  XXXX to avoid foreclosure. We began making monthly payments to the bankruptcy trustee an Shellpoint Mortgage again. I was later informed by Shellpoint that because I was in bankruptcy they were no longer trying to collect a debt via monthly payments. We discontinued making mortgage payments but continued making bankruptcy payments to the trustee. Months later my bankruptcy payments increased and the atty advised me to cancel and refill for XXXX  XXXX. Shellpoint then notified me and my atty  I was 17 payments behind and again filed for foreclosure. I refiled again for XXXX  XXXX to avoid foreclosure. My mortgage loan balance went from {$170000.00} to {$210000.00}. I applied again for loan modification as per by Atty  advice to lower my monthly bankruptcy trustee payments. Again I sent all required documents and application to Shellpoint Mortgage, months ago. Theyre intentionally not responding to my application and keep asking for information Ive already sent them. They weeks to respond and by that time everything I sent them needs updating. I tried finding another lender but Shellpoint is reporting to the credit bureaus that Im in foreclure. I need your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/XXXX, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX   balance. 

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

Imagine my shock when we applied for a loan in XX/XX/XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: WA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  accounts with XXXX, and XXXX  has violated my rights. 

SE

C. 4021. CREDIT PROTECTION DURING COVID19. Section 623
( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

Company response to consumer: Closed with explanation