BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX late open XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had an Amex Platinum card. The account was cancelled by the issuer however they still charged me the {$450.00} annual fee. They have attempted on multiple occasions to make me pay it, and now have made a derogatory comment on my credit report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, Since it required to be anonymous, I will use XXXX as my name. 
I am writing to file a formal complaint against Chase Bank regarding the closure of my debit card account without valid reasoning and the subsequent withholding of funds without proper explanation or evidence of alleged fraudulent activity. 

On XX/XX/, I received notice from Chase that my debit card account was closed, and they assured me that the remaining funds ( {$1300.00} ) in the account would be reimbursed via a check within a two-week period. However, despite multiple inquiries and follow-ups, I have not received the reimbursement or any clear explanation for the closure of my account. 

Furthermore, after a month of waiting, Chase informed me that my account was suspected for fraudulent activity, yet they have failed to provide any evidence or specific details regarding this claim. I have repeatedly requested evidence supporting this accusation and clarification on why my account was flagged, but to no avail. 

I have meticulously maintained my account and have statements that validate regular income deposits ( salary from a university ) and legitimate transactions made using my Chase debit card. My chase Credit score is XXXX and I am still using XXXX credit cards from chase now. I am willing to provide any necessary documentation to assist in the investigation of this matter. 

I am deeply concerned about the lack of transparency and the undue withholding of my funds by Chase Bank. I have made numerous attempts to resolve this issue directly with the bank but have been met with inadequate responses and unresolved promises. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to investigate Chase Bank 's actions regarding the closure of my account and the withholding of my funds without valid cause or evidence. I am seeking assistance in retrieving the funds rightfully belonging to me. 


I appreciate your attention to this matter and prompt action in facilitating the resolution of this issue. Please feel free to contact me at XXXX for any further details or information required for the investigation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

1. XXXX # XXXX 2. XXXX # XXXX 3.XXXX XXXX  # XXXX 4. XXXX # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting.

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 2023-10-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I contacted XXXX XXXX  to purchase an appliance quote for a kitchen remodel. 
I was told by XXXX that they offer a 12 months no interest and also an additional rebate of 5 % through Commenity Bank which was approved by phone with XXXX. I had the entire balance in an account ready to pay off anytime form an equity line. 
I purchased XXXX in appliances in XXXX XXXX.The appliances were delivered over several months. I made regular auto payments of approx $ XXXX over the year and the balance was paid down to approx {$12000.00}. 
I called Commenity Bank in XXXX and spoke with a customer service person and said can you tell me when the 0 % interest ends. They told me XX/XX/. My response was ok I thought it was earlier it must be based on when all appliances were delivered. 
I then added it to my calendar and went on this morning to pay it off. I immediately saw a {$17000.00} balance. I noticed they added {$4300.00} in interest in one month ( XXXX and another {$400.00} last month with any warning, phone call, email or anything by mail. 
I was given a date of XXXX by phone. I fell taken advantage of, I feel scammed and that this is predator4y. The customer service person offered no help or resolution. I have had this money ready to pay off at anytime. I am a XXXX  XXXX  that has worked hard 7 days a week to put my daughter through her XXXX  and a son with a XXXX XXXX. They have turned my dream of a kitchen remodel into a nightmare. I would love your help. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-20
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our Complaint is about Amerihome Mortgage company They are holding uncashed checks racking up late charges and penalties. 

on XX/XX/XXXX a check for XXXX was sent to Amerihome mortgage along with a check for XXXX monthly payment. They cashed the XXXX check on XX/XX/XXXX and we placed the balance of the Mortgage on XX/XX/XXXX as well. the XXXX made it to our mortgage payment but the XXXX never made it to pay off our partial claim. that check has disappeared and the XXXX dollar payment that we placed never made it to the proper month. it was placed on XXXX payment and not XXXX payment. We called and had then change the XXXX several times and it still has not made the XXXX payment. We are also missing XXXX for XXXX payment and XXXX for XXXX payment aws well. We know they are receiving the checks because the XXXX one was cashed. we need help and dont knwo where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently purchased by XXXX XXXX, who uses shellpoint mortgage as its servicing company. I have made several calls and sent dozens of emails in attempt to make payments and rectify an incorrect payment amount as well as reconcile a payment that way made to the prior servicer. Additionally, they have incorrect payment information compared to my original closing documentation and amortization schedule. I've asked for clarification on this point as well and nobody will return my call or provide me with information I've requesed. They are currently threatening foreclosure at this point and I don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Bank of America, which includes PMI ... my loan balance it's already below 80 % LTV, which makes it eligible to remove the PMI, but Bank of America refuses to remove the PMI

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 2023-10-22
Company: EQUIFAX, INC.
State: FL
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 under 15 USC 1681. 

XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Bank of America was informed on or about XX/XX/2019 of a Chapter XXXX Bankruptcy. They said that they had received the notification but they continued to charge fees and refused to shut off a debit card attached to a checking account. I told them I did not want Debit Card usage outside of the funds availability in the account but they ignored that claim. On XX/XX/2019 the bankruptcy was discharged by the XXXX XXXX XXXX New York. 

I received notice in the mail that the account was closed with a negative amount of approx : {$220.00}. When I advised them they said that they would continue to collect on this matter, but it was included in a bankruptcy which they ignored. 

It should be noted the bankruptcy was no asset and this matter needs to handled.

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 2023-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been denied Power of Attorney after multiple attempts, with a legitimate document, Friday, XX/XX/2022 The manager tried to assist me with my POA which included a full stop affidavit recommended by my lawyer. The legal team responded that I needed a note from the court, which I assumed was guardianship. All Im trying to do is the required minimum distribution for her IRA so my mom can maintain her pooled income XXXX  trust. I have been stopped at every turn and met with suspicion. I dont want other people going through this challenging situation to have to deal with this on top of everything else XX/XX/2022 The employee ( name ) at the XXXX XXXX XXXX XXXX branch was unhelpful and suspicious of me. My mom was in XXXX  and couldnt come into the branch. He stated that I didnt have the original copy. I went home and found the original and returned. Then the legal department wrote a note saying it was denied because the POA wasnt valid with no explanation.

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 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There is a Bank of America Credit card account which erroneously shows up on my credit report. It has nothing to do with me and I am not associated or authorized on this card. It was evidently opened in XX/XX/1999 in the names of XXXX XXXX and XXXX XXXX. There is a running balance of close to {$6000.00}. I have verified by phone with Bank of America that my name is not associated with this card - and I am NOT an authorized user. I have also verified this in writing with the card holder XXXX XXXX. 

Despite my having disputed this card account with XXXX, I was not able to get an accurate/favorable resolution. XXXX says that they cant do anything and it will stay on my credit report - even though I have never had this card and I am not associated with it in any way. 

Because of this, I was not able to qualify for the recent refinancing of my home. I spent six hours on the phone with XXXX  and Bank of America to resolve this, but XXXX  refuses to do anything. All of my credit card accounts have a XXXX  balance or are paid in full monthly. This card with Bank of America has a high running tab - which evidently is used for XXXX XXXX College Expenses. 

Please help me get this taken off of my credit report. No other credit agency includes this card. It is an erroneous inclusion by 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 2023-11-15
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I traded in the XXXX XXXX rdx and took possession of the a XXXX XXXX XXXX. XX/XX/XXXX I notice a payment of {$630.00} was deducted out my checking account. Im thinking after the trade in the easy pay option would end. I went to dealership XXXX XXXX to question them about their promise to pay off trade in. XXXX finance person XXXX said itll be taken care and they would refund my payment. I had bank to reverse the payment and they sent a paid in full notice. Now Acura financial is calling me every other day saying I have an open account and its {$640.00} to finish paying off the car Ive traded off. I have contacted the dealership again about this matter and they have promised to call and sort it out but I havent heard from them yet. XXXX XXXX did us the same way on a trade in leaving almost XXXX payments unpaid on the pay off amount. We paid one payment to XXXX XXXX XXXX where XXXX was financed and the only reason they paid off the lesser amount is because they sold the car and wanted the titles. It is safe to say this is their practice and Im not the only one they are doing this way since it was done to me twice in less than 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Unifin Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a letter/notice from Unifin regarding a debt owed for {$810.00}. I did NOT have this kind of charge EVER! I am disputing this and will not pay it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against SYNCB. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2023-10-23
Company: EQUIFAX, INC.
State: MD
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 XXXX 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 a account without my written instructions. 15 USC 6802 A. may not disclose personal information.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation