BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: ALLY FINANCIAL INC.
State: IN
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 I have the 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 16668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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
Consumer complaint received 2023-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was provided an offer of credit card issued by Bank of America in XX/XX/XXXX which had an 0 % Promotional APR for a certain period of time.

I accepted the offer and received a credit card soon.

However, I have never received any notification or reminder from Bank of America to specifically let me know when the 0 % Promotional APR ends. 

In XX/XX/XXXX, I accidentally found my credit card was charged of {$88.00} for the interest. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, NY and paid off all of my existing balance of {$7400.00}. Then I called BOA customer service to see if I can request a reverse of the interest charged, but my request was declined. 

On XX/XX/XXXX, I made another payment for the new balance of {$300.00} online. Then I called BOA customer service again to request a reverse of the interest charged, but my request was again declined. 

I was trying to explain that Bank of America had never sent me any type of notification or reminder to specifically alert me of the date that the 0 % Promotional APR of my credit card ends. If I were notified of the ending date of the 0 % Promotional APR, I would have paid off all the balance in time to avoid high interest rate. 

As a consumer, I feel its unfair for the bank to ignore or fail to notify or alert the consumer about the critical timeline/date that have a dramatic impact on their interest/benefit such as change of the interest rate. Their failure to do so is apparently an action of taking advantage of their consumers. I hope Bank of America can fix their policy to prevent this problem.

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 2018-08-26
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:
The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS EDFED - XX/XX/XXXX XXXX - XX/XX/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 2023-01-17
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-03
Company: ROCKY MOUNTAIN MORTGAGE COMPANY
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have contacted Rocky Mountain Mortgage, I have never denied paying the alleged debt owned. I have told the numerous times that my wife would be the best to contact. I also have asked her to email them about the payment, her response was that if the full amount was not given by XX/XX/XXXX after telling and explaining my situation. 

I had no options, I am aware of the rights I have and however it is has been a hassle. I received a call XX/XX/XXXX at XXXX demanding full payment and attorney fees if I wish to keep the home.

I am asking through this method that you please provide me with a full forensic audit.

The first time we requested assistance because of covid we were denied for any grants. They granted a special forbiddance, but no covid grant. I am now going to exercise my rights and get everyone involved.
I will also put the sec.gov in notice and few more agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/XXXX I contacted ( XXXX XXXX ) who sent me a Pre-Approved offer on a personal loan Up to {$50000.00}. I spoke to representative XXXX who said oh! Sorry your application Has just been rejected because of insufficient income. I said I just learned about you ( company ) this week, I received this offer. 
Where did you get my financial information from? XXXX said from Experience Credit Bureau I said I dont know where they would have got my financial info from. 
I told XXXX I just turned down a company Who I went through their process To receive {$50.00} K or more but their fees too high 10.9 % = {$5400.00} fee to ( XXXX XXXX XXXX XXXX ) XXXX replied we got your information XX/XX/XXXX. 
Experian provided a form filled out requesting {$7000.00}. I said I do not recall asking for loan Offers and I dont know how they would know my finances. She said ( XXXX XXXX ) also Has shown this same information on my soft pull credit report. 
XX/XX/XXXX at XXXX XXXX  I spoke To Experian representative XXXX ( no ID provided ) Who i retold same concern that I told XXXX. 
XXXX put me on hold To research issue. I said I want to know did I request through Experian website loan offers because I am on App/ Website I do not see how to ask for personal loan offers. 
Are the offers I have been getting an inside thing offered me by Experian credit? Yes, XXXX said. I want proof that I asked and filled out this offer from XXXX XXXX. He said I just deleted your offers you wont be bothered any more. I asked more questions and he did not give any answer, then his phone disconnected. 
I called back at XXXX XXXX  putting in my social number as prompted. I was trying for live operator but auto voice only offered me options Of doing credit Alert or credit Freeze. 
How Rude and suspicious to end a customer call this way. To think I pay Monthly for them to do extra to protect my credit. 
I worked hard to maintain excellent credit status. 
It should be expected that All Credit Bureaus do all they can to protect not just me but all clients information. 
My expressed approval should have been obtained from me to share my information with others. 
My Credit is often kept on locked status But that has not stopped un solicited offers. which there have been many occurrences That my credit file was accessed by other companies doing a soft pull while I had my credit locked.

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 2017-01-31
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home loan was with XXXX, then XX/XX/2016 sold to Caliber Home Loans, then yesterday I received mail that it was sold to XXXX. I am so confused and feeling a little uneasy. I never authorized any of this and afraid of identity theft, forced foreclosures, and scams. I am not trying to sell or foreclose on my home. I need to under what is going on. Everything I have XXXX states to be cautious. It is hard for me to get a " Live '' rep on the phone with Caliber Home Loans and talk during work hours. I am frustrated and need to know how to secure my mortgage with 1 legitimate lender to avoid this situation. I would also like to know if there are any class action litigations going on concerning any of these entities for these types of business transactions involving home owners. I feel that they are trying to take our homes. Please give me some advice in the simplest of terms. I greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX - Opened account XXXX XX/XX/XXXX - XXXX CFPB Complaint with Welcome Bonus I did speak to a representative, My company is XXXX XXXX its doing business under my name. In the state of Michigan we do not have to register for XXXX XXXX so I don't know of any specific additional document you would want. I did provide a tax documents which had a description error which lead to my account to be locked. 
XX/XX/XXXX - Tried to closed after receiving a fraud alert. The banking would not do anything but repeatedly say the account is locked ... My records indicate I should have roughly {$27.00} plus or minus. I just want this account closed as I do not use it for my XXXX XXXX business account. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: CT
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:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company, For which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-04-04
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent card account has not been cancelled despite notifying the issuer Goldman Sachs, or removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Checkr company did a background check and the report is inaccurate. So I want to dispute the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC recently sent a bill from 8 years ago on behalf of XXXX XXXX XXXX. This bill was issued in California and by California Statute of Limitations, all debt after 4 years is null and void. I explained this to ERC and sent them documentation, yet I am being still being sent letters. I am writing to enforce the FAIR DEBT COLLECTION ENFORCEMENT ACT as well as ask that this collection agency be reported for misleading the public. This debt is not valid in the State of California as it is past the Statute of Limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft.

Immediate removal of these fraudulent items from my credit report. 

An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
Company: MOHELA
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: Account information incorrect

Complaint:
I've filed a dispute on several occasions with all three credit bureaus regarding my loan being paid in full over the last 2 months and my credit report still has not been corrected. Mohela is the loan servicer and it needs to be reported to all 3 credit bureaus immediately and this issued resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The XXXX XXXX Credit Card is the company credit card not my personal credit card. The company 's card balance keep affecting my personal score. I contacted the credit report company and tried to resolve this issue but they have not solve the issue. This situation has affected my score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, after much frustration with inaccurate information from my mortgage company, and after filing a detailed complaint here I received, in writing, a promise to honor a lower interest rate on my recent loan modification at 4.72 %. At that time, the representative who identified himself as a XXXX XXXX XXXX ( XXXX XXXX I believe ) stated that new documents would be expedited and sent to me within approximately 2 weeks. After several calls to follow up on this, and after being told various things ( including that the underwriters would draft a new agreement with the original 4.0 % interest rate ) a representative escalated my call and I spoke to a XXXX XXXX who assured me that he would get to the bottom of the issue and that I would hear back directly from him within a matter of days. That was on XX/XX/XXXX and I still have not heard anything. I did verify my contact information with him before ending that call. The original response to my first complaint is documented in this forum. I want them to make good on that offer as through no fault of my own, I was unable to take advantage of the lower interest rates due to non-delivery of time-sensitive documents on multiple occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b  ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XXXX XXXX, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!

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