BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXXXXXX XXXX XXXX service by Comenty Bank, My store card had no activity since XXXX, In XXXX of XXXX a membership fee of XXXX was billed to the account with no authorization from me. I have tried to resolve this issue with XXXX and the bank, but to no avail. My credit score has been reduce XXXX points because of their error. I am ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-05-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
CITI BANK TOOK {$100.00} DOLLARS AWAY FROM ME AND THERE IS NO REAONS WHY TTEHY DID THAT. I AM LEGALY 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 2023-03-13
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: Account information incorrect

Complaint:
It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Equifax, XXXX and XXXX credit report : Account name : XXXX. XXXX Acct XXXX Date open : XX/XX/2018 charge off XXXX ( XXXX ), XX/XX/2018 ( Equifax ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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: Their investigation did not fix an error on your report

Complaint:
This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America XXXX XXXX requested a new credit card with Bank of America to transfer a balance of XXXX to a XXXX interest credit card. I was notified I was only approved for XXXX. I called right away to cancel the request. They did not have my account number yet so i gave my social security number. 

XX/XX/XXXX, XXXX received a letter my account was closed for suspicious activity. I assumed it was closed and transaction wouldn't happen for XXXX reasons. XXXX the agreement was for XXXX not XXXX. XXXX. I requested the transfer to stop XXXX. I received a letter stating my account was suspended for above said suspicious activity ( none noted btw ) Sometime in XX/XX/2023 I received notice a transfer of XXXX was happening. I called to tell them to stop the transfer as it hadn't happened yet and was told there was nothing I could do. The transfer would happen and I would be charged the {$240.00} fee for transfer. 

XXXX XXXX filed a complaint and was told by the representative that I would get my money back. I called XXXX to cancel transfer and they didn't do it. I sent in payment for the XXXX and will be closing the card. I should get my transfer fee back. It should have never of happened.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: LA
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:
Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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. 

You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. 
You are hereby put on notice you have been reporting inaccurate information. 
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX $ and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX {$11000.00} account XXXXXXXX XXXX XXXXXXXX {$300.00} accont XXXX XXXX XXXX account XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: LA
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 CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: Professional Finance Company, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Professional Finance currently has a collection on my credit report for an ambulance bill in the amount of {$3000.00}. I have reached out to Professional Finance XXXX  times and advised them that XXXX XXXX is submitting the bill to my insurance and has stated that the collection should be removed. Professional Finance has refused to remove the collection. They have also refused to contact XXXX XXXX. I have disputed the information but Professional Finance refuses to follow the law and remove the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
over the last 2 years with several requests, Ocwen Loan Servicing continues to deny my ability to pay my own taxes and insurance. 
as a mortgage professional, who has originated several Ocwen loans to my clients throughout the years, I have had to personally assist 4 of them with issues surrounding Ocwen 's misuse and inability to manage the funds that are to be properly disbursed to the city tax assessors office and/or the insurance companies. 

After 12 years of paying my mortgage on time, and several hours of wasted conversations with the incompetent staff of Ocwen Loan Servicing, who give you the runaround and can not provide adequate answers for their inability to function properly, I ask that you investigate the abuse suffered at the hands of consumers by this company Ocwen has been issued cease & desists for originating loans by 30 AGs offices around this country, I am now requesting that a full investigation of the abuse and misuse of clients escrow funds and the need to revoke Ocwens ability to even service loans, never have I dealt with a more thoroughly incompetent group of people than the staff of Ocwen Loan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank has a program where they automatically force customers to join a promotional financing plan, and the monthly statement does not explain fully how this works. The plan was activated for {$500.00} or more at XXXX time, now they have lowered the charge amount to {$190.00}. When I pay my monthly bill, I pay more thinking that the extra money will be added to the promotional financing amount. That does not occur. Nothing on the monthly statement tells the customer how this program really works. 

I called Synchrony Bank on XX/XX/2023 and talked to a supervisor. I was told that the customer has to call Synchrony every month and tell Synchrony if the customer wants to add some of the monthly payment to reduce the promotional balance. The supervisor told me that the promotional amount for my charge will be {$30.00} a month. I charged {$320.00}. There is no way I can pay {$30.00} for XXXX months, to pay off a promotional charge of {$320.00}. Synchrony tells the customer to pay the promotional amount in XXXX months, or they will charge the customer interest. There is no way to do that! 

This scam is not outlined on the monthly statement! Synchrony forces the customer to use this promotional plan, then makes it impossible to pay it off, then charges the customer more interest after XXXX months. When I asked not to be included in this confusing promotional financing plan, my request is ignored and denied! 

The monthly statements explains this promotional financing plan. Nowhere in the explanation does it mention calling Synchrony every month, and telling the operator that you want money added to the promotion balance. 

I had this problem before. I went to XXXX for repairs on my car. XXXX charged me a little over {$600.00}. I charged it on my Synchrony credit card. I later discovered that the repairs were not fixed, and got a full refund. I put the money back on my Synchrony card. None of that payment was applied to the promotion balance. Synchrony never told me about calling in every month!

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 2022-03-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had opened a BarclaysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card last year. I was approved on XX/XX/2021. 
I only used it once on XX/XX/2021, and had paid my credit charge in full. I gave them my bank account number and routing number and I received a confirmation of the payment. Since then, I stopped using that credit card. Two months later I suddenly see that my credit score dropped XXXX points. I quickly check where I havent paid my debt and all of the sudden see that my Barclays account wasnt paid. I look through all the spam emails I recieve from them and dont see any email saying my payment didnt go through. Only after pressing on the emails it says I have a balance but in reality I paid my balance at full in XXXX. I called them and asked what was wrong, they said I provided the wrong routing number. After checking I saw that I provided them the routing number that I had from my bank, which was a wire routing number and not an ACH one like they wanted. I quickly called my bank and, got the information and payed my debt. I asked the Barclays support why I hadnt receive an email saying my payment didnt go through, they said that it doesnt work like that, you only get an email when your payment is received and later you have to check. So I asked why they didnt notify me through the app like a get a notification when I have a charge of pay my balance. They said it doesnt work like that either. They said they sent me mail saying I didnt pay my balance, but I opted to go paperless and to contact me through email only because I didnt have constant access to my mailbox at the time. Their second excuse was that they tried calling me and I never received a call from them.. They couldve texted me, or sent an email saying my payment hadnt gone through but instead they decided to put me in a position as someone who doesnt pay his debts, even though I have three more credit cards with charges over XXXX XXXX  who are always paid on time and in full. The Barclays agent on the phone said that I was right and if I complain they should reimburse me. She event refunded me the late payment fee of XXXX XXXX This has destroyed my ability to build my credit and would really appreciate any help I can get. Thank you

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 2022-03-17
Company: Lennar Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I spent 12 hrs straight for my request but failed finally. 

1. I was contacted and helped by XXXX to help me for email/fax me the last two statements so to be in time with my underwrite in my new loan for another property, finally He was inresponsible to me the result. 
2. XXXX -- XXXX -- XXXX -- XXXX  -- XXXX I gave all account information to them, They pulled up my mortgage info and promise to help me faxing papers rushing to deadline. All of them kept promising to help me faxing the statement through the fax line XXXX but I did not see any. 
3. Each time calling, waitinf period 30-50 mins for help. 


I only had one MORTGAGE Account original from XXXX XXXXXXXX, later mergered to XXXX, My Inquiries were crewed up, now I am waiting online to be helped.

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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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