BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
A fraud claim was filed with Bank of America ( BOA ) regarding an application for and receipt of a credit card. The account number for the card is xXXXX XXXX XXXX XXXXXXXX. The card was never used for any reason - purchases, balance transfers, or lines of credit. The credit card was received but never used. I started to get statements from BOA regarding fees and interest charges. Recently, I received a phone call from BOA telling me that i have an outstanding balance for over {$600.00}. 
After several calls to BOA, we requested the source of the fees/interest, and asked for a complete transaction history. 
We received statements and a photocopy of a check dated XX/XX/XXXX XXXX showing what we were told was a balance transfer, to an entity called XXXX XXXXXXXX. This is the only transaction on the account- as I knew since the card was never used, and was also told the same by BOA. This check was never known by me, I was never told by BOA of the existence of the check, it was never authorized by me, and I had no knowledge of the payee ( XXXX XXXX ) or payment until I received the requested transaction history with the photocopy of the check. 
After several fraud claims were opened, we were told that the only transaction on the account was the check to XXXX XXXX. The check number is XXXX XXXX XXXX XXXX - XXXX. After a call by me today, i was told that BOA can not tell me who drafted the check, or who XXXX  XXXX is, or any further information.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As of XX/XX/29 this account XXXX XXXX XXXX an transunion is reporting as a auto loan Ive disputed this account with the credit bureaus and company repeatedly with there investigation this account remains unchanged and verified with the company after being disputed I HAVE NEVER had a auto loan ever! And explain this to the company and they refused to removed this account for falsely reporting inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: AL
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:
COMPANIES VIOLATING RIGHTS AFFORDED TO ME VIA : 15 USC 1681 ( PRIVACY ) 15 USC 1681 604A ( WRITTEN CONSENT ) 15 USC 1666B ( PAYMENT HISTORY ) XXXX XXXX XXXX XXXX ( REPORTED NAME ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( GEORGIA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: LFG Data Services Holdings, LP
State: IL
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. According to : 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. According to : 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. 
ONLY XXXX CREDIT BUREAU HAS REPORTED THIS PUBLIC RECORD ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
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 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 1957 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Early Warning Services, LLC
State: OK
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. In XXXX 2021. I received bank statements claiming they were my accounts from XXXX XXXX. I disputed with XXXX XXXX, they investigated. They sent me a letter stating they were to remove any and all info about me from the CRAs. In XXXX, same thing happened. They opened accounts in my name, I disputed. They sent me a letter stating they were to remove all info reported about me. 

I reported ID theft to FTC, XXXX, CRAs. Early warning is still showing information being reported from XXXX XXXX. 

I want the info removed. As stated and agreed. 

I have invested too much of my personal time dealing with this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had first contacted Ditech back in XXXX about fees that were on my mortgage statement a customer service rep said he would send papers explaining it was a new computer program and the papers he was mail out would explain. Got the paper work showing more fees than I saw prior. Called Ditech again then I was told it was corprate advances they were charging. I had explained to them that the loan mod they gave me was higher than my original mortgage that they rolled any and all fees into my loan mod. So then XXXX I try calling again to resolve this issue because seeing how some fees said late some said insurance I had asked to speak with a supervisor and was told I 'd get a call with in three days.Its now XXXX no call. So I give it a week and call again. Needless to say in over 90 days and 30+ calls I have got no where. I have tried to explain they need to read over my loan mod and they will see anything I owe them, back taxes, insurance and fees are In my mortgage payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Ditech Financial LLC
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: Account information incorrect

Complaint:
Over the past 6 months I have paid my mortgage early or on time and each month Ditech Financial LLC representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. 

Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since Ditech could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. 

This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. 

I have attached the records that are available to me on line so you can see the payment from theXX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. 

I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. 

Thank you,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: SLM CORPORATION
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Not only does this complaint involve dealing with my lender, it also involves the repaying of my loan. In XX/XX/XXXX I called to see if I could get my payments reduced because I would not be able to make XX/XX/XXXX payment. I was told my loan payment must be past due before anything could be done, which I think is absolutely ridiculous. So I waited to call again after my XX/XX/XXXX was past due to see what could be done, after having to talk to XXXX different people and such a huge hassle I was told they could do nothing and I was not qualified for help, and at this point it was mid-late XX/XX/XXXX. I ask if there was anything they could do to get help and I was told that I needed to wait another 30 days to see if other options opened up after I missed another payment, which again I think that is absolutely ridiculous. I was also told that my account would not be marked late on my credit reports until 60 days past due and as long as I got into a program before then I would avoid any negative marks on my credit report. So I again called in mid XX/XX/XXXX about 10 times over two weeks and had to wait 45 to over an hour on hold, and never ended up talking to any one because of the long wait time. One of the times someone answered, and all I heard was back ground noise then I was hung up on, which is one of the most unprofessional things I have ever experienced with Sallie Mae. I finally got a hold of someone the end of XX/XX/XXXX and was still not 60 days past due yet because the lady told me I was XXXX days late, and was finally qualified for lower payments and lower interest. However, I just saw today that my credit reports have been file with negative reports of XXXX days late, so I was blatantly lied to about the reporting, and this could all have been avoided if they would have helped me In XX/XX/XXXX or XX/XX/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 2017-03-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I currently am enrolled in direct debit and receive an interest rate reduction of 0.25 % on my student loans. I pay an additional amount above the required monthly payment. I want to adjust the additional amount. In order to do so my loan company says I need to cancel the direct debit to change the amount and re-enroll. This will result in me not having direct debit for 1-2 months based on their processing time and incurring an increase in interest rate during this time. They have told me there is no way of changing the amount of my payment without canceling the direct debit and increasing the interest rate. I do not believe it is acceptable for them to penalize me for adjusting my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted Transunion multiple times and submitted a complaint on consumerfinance.gov on XX/XX/2022 case id : XXXX Still no resolution on improper use of my credit report with hard inquiries The credit bureau trans union has violated my rights as a consumer by improperly using my credit report to furnish hard inquiries without my permission, neglected to resolve issue and has not done so in a timely manner even with a current complaint with Transunion.

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 602 A section 2 it also states A consumer reporting agency can not furnish a account without 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 2023-05-19
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have new inquiries that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account XXXX that 's reporting on credit is reporting as opened when it has been closed and charged off since XX/XX/2016

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 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXXXXXX  I attempted to open an " XXXX XXXX '' personal checking account. I submitted my application online and was informed the following : " We're sorry but we're unable to open your Bank of America account ( s ) online. 
However we can help you open your account at a local financial center '' I went to the finance center at XXXX XXXX XXXX, XXXX, TX XXXX and spoke with XXXX to attempt to open my account. XXXX informed me there was a " risk disclosure '' on my account and he would be unable to open the account. He also was unable to provide any additional information and suggested I call XXXX. I called this number and was unable to reach an agent that could help provide more information on why I had a " risk disclosure '' associated with my account. 

I had a very similar experience on XX/XX/XXXX. I opened a checking account online on XX/XX/XXXX and funded the account with a transfer from another checking account. On XX/XX/XXXX I received notice my opening account deposit was unable to be processed and my account would be closed. 

I want to be able to reach someone at bank of america that can provide actual information on why there is a " risk disclosure '' on my account and why both times I have tried to open a checking account, it has not been 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 2022-05-02
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : 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 2019-08-19
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
I originally had a loan with XXXX XXXX that was ultimately sold to Jefferson Capitol. As the account neared 7 years maturation and about to be eligible to drop off my credit report, Jefferson Capitol re-aged my account and put it on my credit report as being delinquent as of 2017 starting the clock over as to when it would mature and come off my credit report. I emailed and called Jefferson Capitol and only got unfulfilling answers and no response to my emails. The account was previously removed and Jefferson Capitol readded it without proper notification and reached the account which violates the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
When I apply for any credit card, I get denied with no specification as to why. When I log onto XXXX it appears negatively on my report but don't know why. I haven't been able to apply for any credit cards. Also, Capital one is trying to garnish my wages when I am in Financial hardship. What are my options or can do, without filing for bankruptcy?

Company response to consumer: Closed with explanation