BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
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: Old information reappears or never goes away

Complaint:
On or about XX/XX/XXXX, I entered into a contract with XXXX for a XXXX XXXX XXXX. The payments were made on time and this is reflected until I surrendered the vehicle in XXXX of XXXX. The vehicle per XXXX was charged off after bring sold by XXXX in XX/XX/XXXX. All of this was reported and reflected on my credit report. XXXX updated my credit report to reflect that I made a payment in XX/XX/XXXX and last date of activity as XX/XX/XXXX, which was not true. I reached out to XXXX in XXXX of XXXX, to notify them that this information was inaccurate and per FCRA was illegal per their ruling on the re-aging of accounts. XXXX updated my report every month to reflect a charge off and last date of activity as XX/XX/XXXX. In both XX/XX/XXXX and XXXX of XXXX they reported that I made a payment, which again was not true and reported my last date of activity as XX/XX/XXXX. They also updated the date of delinquency as 90 days past due as of XX/XX/XXXX which is conflicting information. In XXXX of XXXX, they reported the account as charged off but again updated the days of delinquency to 90 days past due. XXXX, XXXX and XXXX were updated as a payment being made but again the date of delinquency was updated to XX/XX/XXXX and the last date of activity was updated to XX/XX/XXXX. In XXXX of XXXX, the account was reported as charged off, date of delinquency was updated to XX/XX/XXXX and date of last activity was updated to 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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this collection was removed and then added back to my report which is illegal to do so. Ive already disputed this debt as not mine and should be taken into consideration and removed from my 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 2022-12-22
Company: Marlette Funding, LLC
State: MD
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:
BestEgg erroneously reported a paid-off personal loan on my credit report on XX/XX/XXXX. The loan was paid off in XX/XX/XXXX and they reported it as overdue with a current balance of {$3600.00}. My credit score was affected and went down by about XXXX points because of this! I have contacted them and they said they would investigate in the next 30 days. That is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the pandemic I had fallen behind on my space rent with XXXX XXXX  XXXX XXXX XXXX XXXX. I was current on my mortgage with 21st Mortgage Co. Around XXXX of XXXX when trying to communicate with my park managers regarding payment, I learned that 21st had paid my past due rent on my behalf per a security agreement I made with XXXX  although at the time I had a pending application with XXXX XXXX XXXX  for rental assistance. Despite my efforts to speed up the process of my application and efforts in communicating this with 21st and XXXX, 21st had then refused to wait on the processing of my XXXX XXXX XXXX application and continued to pay on my behalf. 21st then refused to allow me to pay on my mortgage loan unless I paid in full payment what they paid to XXXX  on my behalf. Their action then caused me to fall in Default with my mortgage. Due to the action of both 21st and XXXX, XXXXXXXX XXXX XXXXXXXX did not pay the full amount I requested. Because 21st paid my past due rent, XXXX refused to say that I owe any past due rent which is why XXXX XXXX XXXX did not pay. I still owe {XXXX} of past due rent. Also because 21st refused to take my mortgage payments I now owe an additional {XXXX}. Totaling {XXXX}. On or around XX/XX/XXXX, my home was to be sold at private sale. I was told by 21st that I could reinstate my home by paying {XXXX}. I made a payment of {XXXX} via XXXX XXXX around XX/XX/XXXX, the payment was accepted but later returned. I refused to take the payment back so 21st again accepted the payment and again returned it. I still refused to cash the check they sent to me so they finally accepted the payment. 21st sold my home at private sale to themselves, leaving me with nothing to survive on. They are now trying to evict me from my home that Ive owned for over 20yrs. My home that I raised my XXXX XXXX  daughter in, my home that I am raising my XXXXXXXX XXXX daughter in, my home that I put over 20yrs of hard earned work for. If I lose my home not only will I have lost hundreds of thousands of hard earned money but both my XXXXXXXX XXXX daughter & I will be XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I received a call from a restricted number. The caller identified themselves as a representative of XXXX XXXX XXXX. The CSR fabricated statements by indicating that he was calling mde because by most recent payment was short by {$5.00} of the minimum payment due. He'd asked me hope I was going to resolve the matter. I indicated that I had already scheduled a {$75.00} payment on the due date ( XX/XX/XXXX ) and he demanded that I make the payment at that time. Subsequently, (XX/XX/XXXX ) I received a letter in the mail stating that my credit limit was being reduced tl {$1100.00} despite the fact that there is still an available balance, I am unable to use my XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX  continues to damage my credit by reducing the credit limit on credit cards that are otherwise in good standings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone has tried opening a checking account with Bank of America three times in the last 6 months. They are using my name and email. I keep getting emails wanting to confirm my email address. I then do receive a follow up email saying account has been denied. I am getting tired of having to call every time. I need my name and email address blocked or flagged so this doesn't keep happening. 

I already have a credit freeze enabled through XXXX, but apparently these bank account openings are getting by that Freeze??? 

Last date was XX/XX/XXXXXXXX  Others happened in 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 non-monetary relief
Consumer complaint received 2021-01-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are concerned that Citizens Bank has unnecessarily complicated and delayed our refinance with them. In this process, Citizens Banks actions have cost us thousands of dollars and damaged our credit. 

We started our refinance with Citizens Bank in early XXXX of 2020 and submitted all requested documentation to them at the time. After we signed paperwork and paid Citizens for an appraisal, they sold the loan to a XXXX XXXX XXXX  XXXX XXXX, serviced by XXXX XXXX  XXXX. 

The mortgage transfer occurred in early XX/XX/2020. During this transfer timeframe, the XXXX mortgage payment, which has been on auto-payment since its inception, experiences what Citizen Bank states as a coding error, and we were not notified. As customers of the new loan servicer, we immediately enrolled in their auto-payment making payments on the XXXX of the month but not notified of the error in XXXX, resulting in a negative mark to our credit history. 

Citizens Bank has failed to speak directly with XXXX  about this error or offer a reasonable and efficient way of resolving it. They identified the only way to get records for credit restoration is by sending a request by mail or faxing it to them. We have sent a letter ( via certified mail ) XXXX and are still waiting for any sort of response documentation that may resolve the penalty to our credit rating. 

In addition to this error, Citizens Bank mishandled our refinance at seemingly every opportunity : Unwilling or unable to obtain building certificate of insurance ( we obtained and personally provided to Citizens XX/XX/2020 XXXX Unwilling or unable to obtain building financials ( we obtained and personally provided to Citizens XX/XX/2020 XXXX Scheduled ( and subsequently cancelled ) XX/XX/2020 refinance closing due to an error in not initiating XXXX  documentation process. This delay is still ongoing as of XXXX XXXX. 


On the day of the expected closing, the title agent notified us that Citizens had failed to start the XXXX process and to expect the process to take another 8-12 weeks. Despite regular follow up, they have not been able to provide any updates on the process or on the anticipated timeline. 

The errors Citizens Bank made by selling our loan during our refinance, making an payment error during the sale, not starting the XXXX  process ( which would not have been necessary had they not sold the loan ) have caused significant damage to our credit scores, prevented us from savings thousands of dollars in interest ( current 4.25 % interest versus 2.87 % ) and cost us emotional stress and tens of hours in follow-up with little to no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: MN
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 NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: U.S. BANCORP
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off an auto loan held by US Bank around XXXX XXXX XXXX. To date, US Bank has yet to release the electronic title with the XXXX DMV and is unwilling or unable to release it. My car was recently totaled in an accident, and I need the title yet US Bank seems to be holding it hostage due to their incompetency.

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 2021-09-21
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
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.

has violated my rights. Or list of inquiries 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 2023-04-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank took XXXX without my knowledge for someone elses debt. Will not return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I accepted a job offer from an investment firm that seemed completely legitimate. Now, here I am almost {$10000.00} negative in my bank account. The company had me transfer XXXX from a savings account through XXXX XXXX XXXX that they called a corporate savings account in my name to my bank of america checking account. This was on XX/XX/XXXX. On XX/XX/XXXX, the amount showed as posted into my account and I then used the money to purchase bitcoin for what I thought was clients for this investment firm. Then on XX/XX/XXXX, I logged into the banking account and they had taken that original transfer back out after stating that it was available for use and after I had I used it. The company was working under the name XXXX XXXX XXXX XXXX Now, the website is closed and the email goes no where and I can not get a response from them. Clearly, I was scammed. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: CA
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:
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report Please delete all other addresses except my current address, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington law firm XX/XX/2023 Paid for service not received they never helped me with removing negative items from my credit as they stated they would The stated Due to COVID-19 loss of income and The identity fraud that happened during Covid-19 They would help me in removing all these false inquiries but they did nothing they charged me to see my credit even though they already had my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, someone used my Navy Federal debit card for the amounts of {$190.00} & {$220.00} to a XXXX XXXX. This was an unauthorized charge. I had the debit card cancelled but this morning someone attempted another fraudulent charge and it was declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses 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

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 2023-03-10
Company: Experian Information Solutions Inc.
State: NJ
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 has violated my Federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible 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 2022-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent an international wire transfer in the amount of {$72000.00} ( switched it to Brazilian currency before sending it, which was {$350000.00} XXXX  ) on XX/XX/2022 to my wife. I was told from my bank, which is XXXX XXXX, that it would take 3 hours if not it would be there by the next day. This Monday will be 6 weeks and the money still hasn't made it down there. Apparently, they go through Bank of America when dealing with international wire transfers, and me and my bank have reached out six times to Bank of America to find out where the money is, the last two times requesting a recall of that money. The last request being XX/XX/XXXX. This has been going on for 4 weeks and Bank of America has not responded one time to this inquiry. I don't know what is going on, and to them this might not be a lot of money, but this is my life savings and this was to buy a condominium down there for me, my wife, and my XXXX daughter that will be born on XX/XX/XXXX. This whole process has cost me more money because of the fact that I'm still trying to hold on to the property that we signed the agreement on, but since I didn't get the funds in time, I'm being penalized each day with interest. At this point I just want my money back and a response telling me your money is on its way back, but I can't even get that nor any other response from Bank of America. If I forfeit on this condo it will cost me another {$7200.00}. I don't know what else to 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 explanation