BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Well my visa debit card been compromised or basically stolen out of my mail box I never received my card wich had $ XXXX..so they ordered me a card so i waited and waited they said about 7 business days i should get it well it's been 3weeks so i call them and tell them i still havenent received my card they said Oki it's no problem ill send you out another card but you have to go to bank of America to verify your identity so I go ahead and do that so i get to the bank the lady takes my 2 peice i.d any said your good to go anything else i can help you with i said no thats it and thanks she said we'll express mail it to you she said just make sure your home i said ok and by the way the last time i ordered my card they didnt say anything about being home so i wait 2 days later my card cones im. So happy I go to activate it and there's only XXXX $ wow now I call them and tell them what's going on and the guy that looks it up tells me all the transactions and I said hows that I don't even have a card and that's when he said I have to send you to claims and you can ask the person that helped me there was email on file that wasnt mine a phone number that wasn't mine he even said some one got your card and changed all your info in the system to change the pin number..and then I was on hold with claims for 3 hours finally he came back laughing saying theres nothing i can do sorry for keeping you on the phone that long so i hang up call again and the new person supposedly filed a complaint on the last person that would not file a claim. So this is what's going on.. customer service operator that helped me told none of this email or your phone number that your giving me is on here so someone did go in and change everything

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.

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 2023-04-04
Company: CITIBANK, N.A.
State: PA
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:
My Citibank XXXX XXXX card had the credit line lowered to XXXX just yesterday on XX/XX/. I just made a payment on this card of XXXX on XXXX  and now the current available credit is just XXXX, extremely close to the new lowered limit. Citi lowered my credit limit SIGNIFICANTLY because they claim they checked something on my XXXX credit report and made this decision. I have NEVER missed a single payment on any of my Citibank cards, I have always paid more than the minimum and have never had ANY issues. The only thing that changed on my XXXX credit report was charges to get my automobile fixed after a collision, I charged XXXX on another Citi card in the past month. This reduction WILL negatively affect my credit score now as it APPEARS I have used up 100 % of my credit line, which is erroneous and only occurred because Citi arbitrarily and without warrant or merit decided to lower my credit line because of nothing that happened on this card. I first tried getting online with chat to ask about this and " XXXX '' told me that he had no information and gave me the number to XXXX, I did not NEED the number to XXXX as they are not the ones who lowered my credit limit. I told him I wanted to talk to customer service- I called customer service on the back of my card to ask to have my previous credit line restored and when I got a hold of someone I said that I wanted to talk to a supervisor, but was told by the customer service representative " XXXX ' on XX/XX/23 that they could not speak to a supervisor because their " Credit experts '' are the ones who made the decision to lower my credit line, he said I needed to wait on the letter from the company. I told him that the email says why this was done due to something on my credit report - I did not need to wait for the letter, I already understand this is something on my report not directly related to my actual card, but rather something the " experts '' decided was a reason to lower my credit line. I asked to speak to someone who could rectify this, he refused to transfer me to these " experts '' and would not let me speak to a supervisor, he said they do not make any decisions, at which point I was irate with this and hung up. I am very upset at this and do not feel this is justified

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: 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: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 non-monetary relief
Consumer complaint received 2023-09-17
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I went to XXXX XXXX in the fall of XXXX, I finished the program and the externship with the promise of getting a job by the school at said externship, and how easy it would be to get a job. Before I finished my externship my mom sadly passed away in XXXX of XXXX, I let my school know and also let them know I had to quit my job to be a le to do the externship so I wouldn't have money to be able to pay any fees and they said it was not their problem. I was doing the externship full time XXXX everyday. While grieving the loss of my XXXX. Once I finished they held my diploma and I won't get it till the full {$9500.00} is paid. I find it ridiculous that I earned my diploma working hard, studying, and doing everything I was told. But apparently I have to " buy '' my diploma. This whole thing is ridiculous, I have a job now but not in the field I went to school for because they said and I quote " the school I went to doesn't count for enough job experience ''. I spent money, time, and effort for no reason, I feel cheated and lied to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of last year I attempted to buy auto and home insurance with XXXX XXXX. company and was denied due to 2 accidents  on XX/XX/2022. I only had one accident on that day but Lexis Nexis reports 2. I attempted multiple times to rectify this situation, but they refuse to even consider fixing this issue. The last communication that I had with Lexis Nexis was by letter from XX/XX/XXXX and they state that their information was collected from the XXXX XXXX XXXX and will remain in my file as accurate. 
Upon contacting the XXXX XXXX this morning I have procured a letter from their agent stating that Lexis Nexis is incorrect and have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/ I made a deposit of XXXX to my Venmo account and then stated on XX/XX/2023 my funds will be posted. Then I found out my account was frozen went through the process of getting it restored did everything they needed me to do just so they can permanently close the account now its saying I cant have access nor will I receive my funds. I could provide more info if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 belongs to someone else

Complaint:
As of XX/XX/2023 I have noticed fraudulent accounts and inquiries on my credit and consumer reports and other consumer reporting agencies. These fraudulent accounts must be removed permanently and indefinitely in my ftc reports its listed incorrect names addresses and employment this is grounds for removal!!! 

FAIR CARES ACT DISPUTE Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, 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 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-04
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto Bridgecrest 's system. Bridgecrest says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with Bridgecrest, nor is bridgecrest in my contract. Bridgecrest is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. Bridgecrest was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with bridgecrest therefore I have no account with them. Bridgecrest refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with XXXX  contains no assignments and the consumer claim post is printed with additional endorsements,

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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
THE SERVICING OF MY LOAN WAS TRANSFERRED TO RUSHMORE XXXX XXXX. AT THE TIME OF TRANSFER THERE WAS A LOT OF UNRESOLVED ISSUES WITH THE SERVICING OF THE LOAN BY XXXX XXXX. THE FINANCIAL DATA WAS NOT CORRECT AND I REPORTED IT TWO BOTH SERVICERS. THErgo INACCURATE INFORMATION WAS NEVER FIXED. AT THE TIME THE LOAN TRANSFERRED INITIAL FORECLOSURE PAPERWORK WAS SUBMITTED BY XXXX XXXX ON XXXX XX/XX/XXXX. UNKNOWINGLY TO MYSELF, THIS WAS A VIOLATION OF THE DUAL TRACKING LAW. I WAS ACTIVELY ENROLLED IN THE LOSS PREVENTION PROGRAM. ( XXXX XXXX is currently investigating my account ). I have documented proof that from XXXX of XXXX thru XXXX of XXXX my mortgage was in a forbearance plan. This is documented on monthly statements from Rushmore and correspondence received from Rushmore. I received a notice from the court that a hearing to set a sell date had been scheduled by Rushmore in XXXX of XXXX. I notified the court that I could not attend due to the fact that my wife had just had emergency XXXX XXXX for a XXXX XXXXXXXX and it conflicted with medical appointments. I asked that it be postponed and attached medical documents with the request. I received no response and the hearing tok place. A sell date of XXXX XXXX of XXXX was scheduled and seeing as my wife was at home on XXXX XXXX, I filed emergency bankruptcy to stop the sell. My wife passed away at home on XXXX XXXX of XXXX. I have hired numerous companies to help stop the illegal sell of my home and I also have hired an attorney. I have informed Rushmore and the court that the foreclosing of my home violated the Federal Dual Tracking Law and have been ignored. I contacted the Regional Director from the VA that concurred with the fact that if any activity took place in regards to foreclosure it was a violation. At this point in time the foreclosure is still in process. Additionally, I have applied for a loan modification and have been denied whenever there are existing Hud and VA programs I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint is against Sam 's club they have sold my account to a collection agency XXXX XXXX I can not get information on how I owe this balance of XXXX called Sam 's club no info XXXX XXXX is threatening and this account is time barred for 7 years since last payment on XXXX all phone numbers for XXXX XXXX are not reachable I made payment arrangement but they never sent me confirmation or any paperwork stopped payment on check because they may be a scam but because of nj statue of limitations law they can not sue me I spoke to someone from XXXX XXXX on XXXX XXXX XXXX can not reach anyone after

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 2023-04-04
Company: NRA Group, LLC
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: Reporting company used your report improperly

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. Upon reviewing, I came across a few accounts that I believe may not be 100 % accurate and would like further information on to investigate. The fair credit reporting act states that by law, I have the right to challenge anything that I am not sure is accurate. I am not familiar with some of the reportings on my credit report, which is why I am seeking investigation. 15 USC sec 1681 i ( a ) by law states that if you can not provide proof for the accounts, they must be deleted. I am requesting for these accounts to investigated. Please delete my accounts if discovered that any information is not 100 % accurate. I saw a credit site that states investigations have a 30 day window to complete investigations by law. I am asking to please investigate the following accounts and remove any information that is not 100 % accurate upon review. 

Account : -Name : national recovery agency /original creditor : XXXX XXXX Account XXXX XXXX *Please investigate if every piece of information is 100 % correct and accurate. If not, please remove it from my credit report. 

Ive also read ( free Lawer guy online ) that I can be provided with a copy of the report and its results upon completion of the 30 day investigation. Please provide me a copy of this investigation. Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address on this letter. 

I greatly appreciate your time and help in this matter. 

Kind regards, 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 2023-04-12
Company: EQUIFAX, 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:
I have called several times to XXXX, equifax and XXXX  regarding this fraud. I have sent them all the documentation they require to block the fraudulent information and they have not done so within the 4 day requirement which by law states 15 US code 1681c-2 " A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: Valley Collection Service, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection item on my credit report from the company VALLEY COLLECTION SERVICES. It looks like the original creditor was the City OF XXXX AZ XXXX. I have NEVER lived in Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief