BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: The Aligned Company DBA Extra
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in response to complaint XXXX, Extra failed to honor its own terms of services and have violated my privacy. It did not provide me with any authorization to share my nonpublic information. XXXX is not an affiliate of Extra card and therefore have violated me according to privacy act of 1974. As a financial institution I am opting out per 15 USC 6802-6805.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America is reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the 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 2021-08-31
Company: Experian Information Solutions Inc.
State: MI
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 fraud and identity theft, I have been disputing fraudulent accounts for years now. I have sent in police reports to each credit agencies and have not been successful in getting the fraudulent information removed. They have taken things off and put them back on again. I have done everything on my end to resolve this issue which is ruining me getting loans, a home and credit. This is a ongoing issue with the credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CURO Intermediate Holdings
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received an email ( XX/XX/21 ) from a XXXX XXXX stating that she is doing business as XXXX XXXX XXXX ( Speedy Cash ). The email states that I have committed fraud and am subject to a court hearing. They also threaten to contact my employer. I am to contact the following address via email : XXXX The instructions states than I am to email " us between working hours XXXX to XXXX '' There is no phone number to call. 

I have not used this company for a payday I am currently working with several day payday loan companies. This is not one of them. 

According to the email, I have late payment costs of {$100.00}, interest costs of {$63.00}, an account value of {$580.00} and a total debt of {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This issue is concerning several transactions that have been made. My main concern is that the reordering of deposits and transactions has caused me to lose hundreds of dollars. For example, when I deposit funds to cover future charges I experience a loss of funds. In this case, I had XXXX in one account. I transferred XXXX in another account to raise the account to take a taxi from XXXX. I had XXXX in the account. The ride cost me XXXX. I should have had XXXX as a balance. I then added XXXX to cover more taxi expenses. At time these deposits and transfers were made there was enough to cover my expenses on XX/XX/19. 

On XX/XX/19, I added funds to cover as well XXXX plus what was left in the account. In all of my deposits, they covered all of my expenses. There was no outstanding debts to the bank. I deposited a check for XXXX and now I'm in a negative status? This is what the bank does and has done to me for years. 

I'm losing funds. The bank registered that I had XXXX and when I reentered the online banking page via app I read that I've XXXX cents. I'm going to cancel my accounts because this is ridiculous. I'm a XXXX patient and rely on my funds when I check my accounts I find that they are always taking from me. My money is counted for. This should not be the case. 

Second issue was that my account was used to replenish funds for another personal account without my authorization. When I called a customer service representative admitted that the feature to take funds from one to replenish another was not something I opted for. The bank mismanages my accounts and seems to think that they can do whatever they desire with my funds. This is a violation of Federal Reserves laws and my rights and freedoms as a consumer. I'm closing my accounts. 

This is truly account abuse. I'm always losing funds. The best way to deal with this is to remove the account. No one really has reached out since my last complaint and when I do the person conducting the investigation always used the excuse that the bank was right and I'm wrong. They never take responsibility for what they do.

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 2023-05-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has been reporting that I have made zero payments to the State of Michigan for child support dating back to XX/XX/XXXX to the present time on my credit report and this is grossly incorrect. I asked them to correct this in a dispute months ago and they never made any adjustment to this account. I know they didn't even investigate it because if they had, they would see the weekly and consistent payments that I have been making for years. I tried to submit another dispute to have them actually look at this account but they won't process it because they say it's a duplicate request under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. That's ironic that they quote about something that's fair while unfairly and unjustly reporting false information on my credit report. Since they want to use the FCRA, I will to : According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation into any information I believe may be inaccurate. I would like to refer to 15 U.S.C. Sec. 1681i ( a ), which states that if you ( they ) can not provide proof of the accuracy of the disputed information, it must be removed from my credit report. I kindly request that you investigate the following accounts and remove them if any information is found to be incorrect or incomplete : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My bank account will only let me pull the transactions from the last six months online but you will see weekly payments to XXXX which is the State of Michigan 's receiver of funds for child support. Now compare that to Experian 's reporting of zero payments... They have cost me a refinance on my house, decline for credit and high interest on the cards that I do have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Synovus Bank
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into a consumer credit transaction with First Progress. Pursuant to 15 USC 6802 First Progress never disclosed to me that I had the option to opt out of this transaction being reported. First Progress also reported this transaction to consumer reporting agency which is a violation of 15 USC 1681. The transaction arose from a credit card which is supposed to be excluded from a consumer report. First Progress was also in violation of 1692j because is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: SYNCHRONY FINANCIAL
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have attempted to dispute inaccurate items on my credit report. I have provided sufficient evidence showing that the item is fraud. 
1. Synchrony Bank- submitted documents proving fraud occurred 2. XXXX- was never given the option to dispute purchase. XXXX did not allow me to dispute

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 2023-06-13
Company: FIRST PORTFOLIO SERVICING INC
State: MO
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:
My bill was due on XX/XX/XXXX. My card was over the limit by XXXX cents. The minimum payment due was {$41.00}. In an attempt to correct these issues, I made a mistake and paid {$40.00}. I was then charged {$30.00} for a late payment. I was charged {$30.00} because I was XXXX cents short of the minimum payment due. 
This SMALL error, because of the late fee and interest charges, caused me to then go over my limit by {$5.00}. 

Thinking that the company would understand the issue, I contacted customer service and asked to have the {$30.00} fee waived and even made an extra payment of {$35.00}. The young man that assisted me on that call was understanding and kind and apologetic about the inconvenience and submitted the request. 

I patiently waited a week to see if the refund had been processed and it had not. Upon looking today, almost 2 weeks later, I noticed that I still had not been refunded. I called customer service again and was told that the " back-office '' denied my request because my account was not 30 days or more overdue. 
I was denied a simple request to refund a {$30.00} fee for an XXXX cent error because I tried to rectify the situation in a fast and timely manner! That makes absolutely no sense and is a horrible business practice to have. 

When told this, I asked for a supervisor to escalate the issue, because this is an unfair and unacceptable business practice. I was transferred to another person who told me basically I knew the rules when I signed up for the card and there was nothing that could be done. 
I am absolutely flabbergasted and very upset that because of an XXXX cent error, that I lost {$30.00} of my hard-earned money. 

I have other credit cards with other companies such as XXXX XXXX and XXXX XXXX and have had fees waived for much larger issues and have never been denied with such a lame excuse. I may have a low credit score, but I am trying very hard to fix that and take financial responsibility. And to have {$30.00} STOLEN from me is a slap in the face. 

So, with the arrogant response of the 2nd person I spoke with today, I requested to talk to someone above this person. 

I was then " mockingly '' told that I would have to wait 24-48 hours for a " supervisor '' to call me back. 

Completely unacceptable and unfair business practices if you ask me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Yes I hope this message finds you in the best way you can be, God bless you.

I've recently opened a new account with American express on the date of XX/XX/XXXX, I moved in the mist of the cards getting to my old address. I therefore had a death In my family. Well I used my digital form that was sent to me and purchased XXXX dollars in items well after not receiving my new cards and my statement I called in to make a payment ask about my cards I was appalled buy the news I received from the agent first she said my balance was XXXX dollars. If that's not gut wrenching she then tells me my account is closed and in collections and that multiple deposits where returning on my account I became very concerned and made a fraudulent charges claim It was accepted my the globel fraud department at American express and was told under the FDIC I was coverd and I should receive new cards with a new account number I spent 5 hours clearing up all this and I was told to call back following day to get information about my new account my credit score was XXXX when I applied it has dramatically dropped to XXXX this ihas dramatically impacted my life my everyday ways of being able to provide for me and my family so I call in and I was now livid by the way I was told lie after misleading lies and more lies I have spent over 1 week trying to get my new cards and account information from every department from amex I have litterly soent over 4 hours every time I call being lied to being hung up on being told to call back and they have changed my account information and will not send me my new cards and will not provide me with my statement or information to make a payment for the charges I have made this is outrages and I can't let this fraud law breaking bank treat me as if Im not a paying American consumer this needs to be addressed how can they file a claim give me credit and then open a new account and put XXXX dollars on my statement and therefore not give me my account number or cards and say they cancelled my account because of collections this is concerning I have yet to receive my statement my cards and my credit is negatively been sabatoged please help and I know I have faith in you guys I appreciate your help and thank you in advance they must be reprimanded for not only breaking the laws of banking but fraud and scaming a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been emailing them for months about my mortgage payments and even in the process of that withdrawn money from my 401k plan with penalties to get the money. Finally on Tuesday, XX/XX/XXXX Pennymac sends me the amount for reinstatement of my mortgage. Which had two amounts one if I paid by Monday, XX/XX/XXXX and another if I paid by Wednesday, XX/XX/XXXX. Which also stated that amount would be good for two weeks. However when I called them they said that the two weeks didn't apply because on Monday, XX/XX/XXXX was a foreclosure hearing and sale. After fighting with them by phone I figured my best bet is email so I would have documentation of everything. They postponed the hearing and sale they claimed for two weeks but have not sent any legal documents to confirm that. 
I continued to push for a dollar amount to bring my mortgage back up to date and after being told that it would take 7 days they sent that to me on Wednesday, XX/XX/XXXX. As I was checking on the fastest way to send the amount {$10000.00} to them I discovered that my bank XXXX sent them the payment. 
Now Pennymac claims that they do not have a record of the payment and I had to send them proof of the transaction which I have done three times. They still have not confirmed and posted the payment nor have they sent anything about a hearing tomorrow. My wife and I are taking time off from work to go to the courthouse in the morning with my proof again. 

I have researched online and there are several complaints about Pennymac pulling the same thing and much more. Pennymac needs to be stopped playing these games and unethical business practices. So helping me can be helping a lot of other homeowners who are doing the right thing or like with us correcting what happened to have a chance. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been in a XXXX and at two different terminals. My Discover card would not process. The solution was to call Discover customer service at XXXX and for an hour I have been trying without success here. Now the number has been busy with no way to resolve this matter. I use my Discover card for everything and maintain a high credit rating with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: LJ Ross Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, thanks for the opportunity to talk about my issue. I moved from XXXX to XXXX XXXX  on XX/XX/2022. This week I've notice a debt collection under LJ ROSS Associates was posted under XXXX AND XXXX.I didn't have the opportunity to validate if this is a valid DEBT and if so, im more than happy to make a payment plan, but first I would like to dispute and if DEBT COLLECTOR can proof otherwise I will more than happy to make arrangements. I've request USPS to forward all mails to my new address in XXXX  before I moved from XXXX  to XXXX and I never received any mails from XXXX which is the debt reported under both credit bureau above. I don't know how to deal with this. 

Could you please help me? 

Thanks so much XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an email that Credence Resource Management reported a collections debt from XXXX for {$1600.00}. I do not have any services with XXXX. I had the same company do this before in XX/XX/XXXX where i proved their fraudulant charges. Now I am going through the same thing as of XX/XX/XXXX. I do not have an XXXX account of any sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I currently paid XXXXXXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX & Equifax on XX/XX/2018 Merchants and Medical XXXX on XX/XX/2018 XXXX XXXX XXXX Equifax on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXXXXXX XXXX all three credit bureaus told me that none of these items were being disputed by XXXX XXXX and that have not received anything from XXXXXXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: LA
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 right to privacy and confidentiality under 15 USC 1681. Account # XXXX  XXXX # XXXX {$490.00} Account # XXXX XXXX # XXXX XXXX Account # XXXX XXXX  # XXXX {$1500.00} Account # XXXX XXXX # XXXX {$0.00} Account # 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 record of convictions of crimes which attedates the report by more than seven years. 15 U.S.C 1681s ( 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