BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage lender Mr. Cooper Address information : XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX : XXXX This Lending company has been contacted since last year in XXXX they called me for information about my account and they had stated that my payments havent been received and I advised them at that time that I have not missed a single payment which I can prove by my bank statements and all of my supporting documents that my account is current. They gave me flack and they thought that perhaps they could trouble shoot this issue over the phone by asking how I'm sending my payments I went through all of the basic questions to prove once again that I do have the right address I absolutely reference my mortgage loan number on the check and yet this company did nothing to remedy my account. At this point I'm being stolen from I pay this company and they DO NOT ACCREDIT my payments that are being received. They are an absolute FRAUDULENDT company and have VIOLATED MY RIGHTS!!! I don't want anyone to go through what I'm dealing with, an AUDIT of their practices should be done at least I'll be in contact with them as well since they have stolen over {$35000.00} of my payments for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have previously disputed these claims in which they were removed from my credit report. 
Complaint XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 These accounts are back on my credit file and the credit reporting companies are refusing to delete them back off. They are misusing my credit and ruining my credit reputation. In accordance with the fair credit reporting act have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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 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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-03-26
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:
In accordance with the fair credit reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Dept of ed/XXXX  Accounts # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX I opened a CapitalOne 360 checking account with a balance transfer from XXXX XXXX in the amount of {$250.00}. The CapitalOne data presently confirms a Current Balance of {$250.00} which shows on my XXXX XXXX acct as a debit POSTED on XX/XX/2023. As this bank to bank transfer is an electronic transfer on the books of the Federal Reserve, it is an IMMEDIATE transfer. Capital One is claiming a 3 day hold on an IMMEDIATE transfer which has ALREADY been transferred to the CapitalOne account. That scenario does NOT warrant a 3 day hold on funds already in the possession of CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: DISCOVER BANK
State: TX
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:
This complaint is in regards to Discover Bank. I have lost/misplaced my Discover card ending ( XXXX XXXX XXXX ) in XX/XX/XXXX. There were several unauthorized charges between XX/XX/XXXX thru XX/XX/XXXX. I was out of state for holidays when all this happened. I called and reported the fraud as soon as I got to know. Discover denied my claim and this is so unfair for me to keep paying for something that I did not authorize neither did I received the services or Goods that Discover is asking me to pay. The total amount is around {$3200.00}. 

I want CFPB to please take corrective action. Discover needs to provide valid proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: TN
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 am filing a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act and 15 USC 1681. The following account on my credit report was furnished without my permission : XXXX XXXX This is a violation of my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681 section 602 A. The Fair Credit Reporting Act, specifically 15 USC 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, except for records of convictions of crimes that are more than seven years old. As such, the account listed above should be deleted immediately. 

I also found multiple billing errors on my credit report, which violates the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I demand to see proof from the creditor bank account that I was marked late due to non-payment, as I was not notified 21 days before with a statement. As a consumer, I have the right to have these errors corrected on my credit report, and the items below should be updated accordingly. 

( *LATE PAYMENTS? ) If these accounts are not updated immediately, I will pursue monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability. I have already filed a complaint with the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Lastly, I did not authorize the following companies to access my credit report, and I suspect that these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX, XXXX. CA. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that there was a permissible purpose. Please remove these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: GA
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 sent a letter last XX/XX/XXXX, in 3 credit Bureaus to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, 2022 I purchased 4 bottles of wine and 2 bottles of port from a company in XXXX XXXX. They were going to ship the wine to me within 6 weeks. I have never received the wine. I have attached supporting documentation with this form. 

Within the attached documentation you will find a copy of my receipt and the shipping information. It shows that the wine came to the United States through XXXX XXXX and then went to XXXX. I do not reside in XXXX. The wine shop, after several communications, will not return my money and the credit card company is also refusing to refund my money. This, in my opinion, is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I received a phone call from chase representative stating a transaction of almost {$900.00} was being done in another state. I informed the representative that it was not me doing the transaction. The representative proceeded to closing my existing debit card and issued a new card in the mail same day. 

on XX/XX/2023 ( one day after my card should have been closed ) multiple ATM transactions on my card were done. A total of {$9300.00} were transferred between my savings account to my checking account and withdraw. 

I called chase bank and nothing was done about this fraud!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: OH
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:
According to FCRA these companies are in violation

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Friday XXXX XXXX I received a call from 1st Franklin Financial after several calls made to family members regarding my debt. After speaking to XXXX regarding debt owed and explaining to her the reason I was being on payments with my loan was because I was previously out of work and I just returned back to work as a XXXX XXXX not making the money I was previously making due to covid! XXXX im just returning back to work. I called before the account fell behind to make arrangements to make some kind of payments and XXXX informed me that there was no work out plan available at that time. After speaking to my Brother he told me that They called him and wanted me to give them a call regarding the account and they was trying to work something out with me, only after answering a call from 1st Frankling speaking to XXXX XXXX, she informed me that the Sheriff was serving me with a law suit and that 1st Franklin would be placing a lien on even my cars if I didn't pay something, I stressed that I have no money and she informed me that my credit would be ruined and I would not have anything after they placed liens on everything I owned. I stated ive already lost everything and I stated to her I was terminating the calls due to the threats made with me not paying.

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recieved an offer in XXXX from Bank of America for a credit card which had vague terms as to the interest rate to be charged with a huge interest rate range given which seems like deceptive advertising and the criteria were not explained clearly. I assume it was to be the 14.99 % since I had over XXXX credit score at the time and presently have over XXXX credit score. My last bill had an interest charge of over 20 % of the total which seems like the result of deceptive and vague terms not explained in the general terms. This has been charged for the past few months even though I've never missed any payments. This is untenable and frankly should be illegal usurious rate that is the result of deceptive and changing criteria. I am also taking this up with my state financial protection beaurau.

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 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a business credit card on the promotional terms that if I spent XXXX XXXX within 90-days of account opening I would be credited with XXXX points good for a {$750.00} cash redemption. When I went to redeem the points I was given only two options, one was to receive travel credit for the highest point value equaling the {$750.00} or a cash redemption which was substantially less. When I went to redeem my points, I was only given the two options, but there was a third option available which was to transfer the points to my personal credit card with BofA to receive the full value of the points.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello My name is XXXX XXXX I have a complaint with Experian Credit Bureau. They have 2 old addresses that should not be there. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. 

XXXX ) XXXX XXXX XXXX # XXXX. XXXX XXXX, New Jersey. XXXX These two addresses should be remove

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is NOT a duplicate report and this is not filed by 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. State 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.

Account Name : FIRST PREMIER BANK ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX. ( Original Creditor : XXXX XXXX Bank ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: R.A.Rogers, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/2023, I submitted a formal written debt validation request to RA Rogers INC Collection Consultants, at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Approximately two weeks later, I received a response from the named party, however, the information provided was not pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I again submitted a written reply on or about XX/XX/2023, notifying the named party that they have violated several of my consumer rights. Specifically, by failing to validate a debt at my request, which is an FDCPA violation and the named party continues to report a disputed debt to the Credit Bureaus : which is another FCRA violation. The named party was given two separate opportunities to furnish the requested FDCPA debt validation documentation. I have included the information that was requested below : Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature agreeing to the sell of my personal information to a third party, i.e., R. A. Rogers, Inc ; -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay R. A. Rogers, Inc., what you say I owe ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent ; As a result of their failure to comply with FDCPA regulations, I employ the " Estoppel by Silence '' in my defense and demand that this collection account be removed from the two credit bureaus ( XXXX and XXXX ) that the named party disclosed this information to and consequently damaged my credit profile. I look forward to working with you to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: IA
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, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights.

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