BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-15
Company: C/C Financial
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: Account status incorrect

Complaint:
In XXXX of this year I applied for credit with XXXXXXXX XXXX a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being hospitalize in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX My wallet was stolen. {$4900.00} was charged to my Bank of America card at a nearby XXXX 's XXXX ( a store I have never shopped at and do not have a membership to ). I responded to alerts on my account, discovered the theft of my entire wallet, shut down my bank and credit accounts and replaced my driver 's license. 
XX/XX/XXXX BA credited me for the fraudulent charges. Great. 
XX/XX/XXXX BA opens a fraud dispute and charges me {$4900.00}. When I investigate these charges, I am told that the initial claim was filed incorrectly ( asserting that the card was still in my possession ) and they would need to resubmit. 
Since then, I have called and spoken to representatives on ( at least ) the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time, I have to lead the fraud specialist through the situation, as if there are no notes on my account. As of today, I still have not been repaid. I am a small business owner and this theft put me in the red for XXXX. 
It is worth noting that other cards from my wallet were also used. Every other company resolved the fraud issue quickly and efficiently. I have been using BA products since XXXX, as they like to remind me on every enraging phone call, and have charged hundreds of thousands of dollars to this account. The frustration is almost as bad as the theft.

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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602A states I have the right to privacy and XXXX XXXX XXXX has violated this right to privacy. 
15 U.S.C 1681 Section 604A Subsection 2 also states that a consumer reporting agency can not furnish an account without my written instruction and I did not give this company permission written or otherwise to share my personal info with third parties.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: MS
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 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dept of Ed/XXXX  : XXXX, Dept of Ed/XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The idea of FORBEARANCE for mortgage holder is OUTRAGEOUS during this pandemic! While they might let you put our payments on hold temporarily, they don't give you any breaks whatsoever and it's so incredibly difficult when we have no income coming in for weeks and months to suddenly have to pay back 3 to 6 months of mortgage payments in FULL!! 

Mr Cooper says : " At the end of your forbearance period, all payments not made during the forbearance period will have to be paid back. We realize this will probably be a big financial burden. '' This also happened to us during Hurricane IRMA. They made us pay back every penny at the end of the 3 months - this is SO HARD for families!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I contacted MEI Finance on XX/XX/19 at XXXX XXXX  asking to extend my arrangement until XX/XX/19. I spoke with a Supervisor XXXX, I believe, or I may be misspelling her name. However, she was very rude and started speaking to me in a tone as to if I was being dishonest. I am scheduled to have a medical procedure on Tuesday and had to pay out of pocket my portion since I have not met my medical deductible. She asked me to send her copies of my receipt from my Dr showing her what my out of pocket expenses was in order for her to extend my payment. I felt violated for there are hippa laws and my information from the Dr has very personal information disclosed about my medical history. She also asked me copies of my check stubs to show where I have been off of work due to illness, which I have no problem with that. I just don't like the fact that I am being treated as if I am being dishonest. I really do not appreciate this type of behavior in behind an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under The New Rule REGULATION F Which Took Effect November 30, 2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and have disputed information on my credit report with Equifax which is fraudulent and related to this identity theft. I am filing this complaint because Equifax has refused to block or remove information related to this identity theft from my credit report. After disputing the fraudulent information on XX/XX/XXXX and on XX/XX/XXXX as well as submitting copies to Equifax of the police report that was filed, my FTC Identity Theft report, and my personally identifying documents Equifax refused to block or remove XXXX hard inquiries on my credit report from XXXX XXXX  which were made on XX/XX/XXXX and XX/XX/XXXX. These inquiries were made as a result of fraudulent credit card applications which I did not apply for. By refusing to block these fraudulent inquiries from my credit report Equifax is violating Section 605B of the Fair Credit Reporting Act as I have requested the inquiries be blocked or removed and provided Equifax with all the required information to block these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NC
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 15 USC 1681. 

XXXX, Account # XXXX, ( Date XX/XX/XXXX ), XXXX XXXX XXXX, Account # XXXX ( Date XX/XX/XXXX ) and XXXX XXXX XXXX Account # XXXX ( Date XX/XX/XXXX ) which was disputed by me and 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 explanation
Consumer complaint received 2019-06-21
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw a collection for an alleged debt from XXXX for {$300.00} with Trident Asset Management. I have never had an account with XXXX so I immediately disputed this erroneous debt. I have disputed it with all 3 credit bureaus and allegedly Trident verified this erroneous debt as being 100 % accurate which can not be possible. I then sent a direct dispute via certified mail to the address Trident provided on my credit report, which was eventually returned as non deliverable because they moved over 1 year ago and they have not alerted the credit bureaus, which is a violation of the FDCPA and the FCRA. Due to their negligence I have not only wasted my time ( 30 days ) awaiting results for something that was never done, and my money in the form of Certified Mail. Certified Mail ain't cheap I spent {$4.00} on that letter! These damages have not gone unnoticed by this consumer! I am planning on speaking with a consumer protection attorney on how to recoup my damages!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
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: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-03-07
Company: Experian Information Solutions Inc.
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:
These Credit Reporting Agencies Experian, XXXX and XXXX have furnished false and deceptive information without my consent. I did not authorize nor did I benefit from the reporting of these accounts and unknown inquires. Congress already found and declared that they have assumed a vital role that they do not have and that they shall exercise their grave responsibility with fairness and impartiality. They must respect the consumers right to privacy, and confidentiality. This information is not fair and equitable to me the consumer and I am requesting you update the information to my written instructions.

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 2019-03-17
Company: M&T BANK CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account is reporting inaccurate information on my all three credit reports which is hurting my credit. The information I have from the company is this : - XXXX XXXX XXXX XXXX : XXXX : Theres not available number I can contact the company or someone who can tell me any information of what or who opened this account. Hope this can be solved as soon as posible because I have been working really hard to fix my credit and build it at the same time. I want CFPB to take an action and help me to solve my issue with the collection and Reporting agencies. 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 explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall. free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-09-12
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
XXXX. Lost Job. Initiated Forbearance After 6 months they offered extending it. 
My hardship was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I applied for Social Security XXXX and approved. I have been trying to end forbearance for 2 years now. I sent everything needed for loan modification. My Loan Modification was finally approved and a Notary came to my home and finalised contract. I paid the first payment through my XXXX account. Auto pay. I was in a XXXX  during this time. My wife was handling it. When I came home from hospital I noticed the mortgage payment was denied 2 times. So I Called Mr. Cooper and they advised me that the Loan Modification was redacted and denied because My First payment had to be made over the phone. I had no idea. Even if I knew that I was in a XXXX at the time and could not. But The mortgage payments were sent and returned. 
I am a XXXX XXXX XXXXXXXX veteran of US Army of 20 years. This is a VA loan. My only asset. They denied my Loan Modification denial appeal and im now facing Foreclosure. Please help. Time is of essence as I could end up facing foreclose. With my XXXX XXXX XXXX XXXX XXXX. I need my home. I did everything within their policies. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After attempting to obtain a bank account for my business. I learned that XXXX has an open account from Bank of America. The account stated that I owe {$2500.00}. Then filed a Identity theft report with the FTC and a Identity theft affidavit with XXXX. After I sent in this information to both Bank of America and XXXX, I received a letter from XXXX. The letter says that the report is disputed by Consumers and Verified Accurate by the Financial Institution. The validation that was sent that the XXXX  have on their records is a document showing that I originally opened the account. It does not show that I did fraudulent activity of {$2500.00}.

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 2022-05-12
Company: General Motors Financial Company, Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in XXXX when this was opened I disputed it with the credit bureaus with my evidence and still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had about XXXX dollars taken from my account in XXXX via XXXX transactions, XXXX in XXXX and XXXX in a XXXX XXXX XXXX in XXXX, TX. A place where I have never been to. 

These transactions occurred on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received an email asking me about verifying a transaction in the XXXX XXXX XXXX TX, I replied to the email indicating that i had not made that transaction. 

I received another email from Regions Bank confirming they received my reply. They sent me a different card since the initial one seemed yo have been cloned. I thought that was going to be no longer a problem since they changed my card. This week I went to pay my HOA fee through this account and noticed the XXXX dollar missing in the transactions indicated above. 

I went to the bank in person to resolve this issue only to be told that it had happened over 60 days ago and they couldn't resolve, I called their customer service who instructed to go to one of their branches, at the branch the only option I was given was to call the merchant to try to get them to revert the charges which of course they wouldn't do. 
At the end, I was given no solution and decided to withdraw the rest of my money since I can't trust that bank.

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