BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Freedom Mortgage Company
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I awoke on XX/XX/2022 to find my checking account that I use to auto pay Freedom mortgage payment was overdrawn by over {$2700.00} dollars. I called Freedom immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to Freedom mortgage in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. Freedom then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in 2022. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that Freedom had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to Freedom as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by Freedom.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX 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 2019-02-03
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company, Mr Cooper took over my mortgage from Nationstar in XXXX of 2018. They lost my XXXX payment, added property tax to an escrow without my consent and have completely lost track of my payments, due to the most complicated accounting math I have ever seen. I have NEVER missed a payment. They have added late fees & service charges to my bill. I have been trying to resolve these issues with Mr Cooper for 11 months with NO success. The huge number financial papers they have sent me will require a CPA to decipher. I have submitted my bank records showing proof of my regular payments. 
I have made dozens of phone calls trying to correct these problems. I have all required documentation showing the ridiculous data they have listed on my account, saved. I can mail, email, Fax, what ever is needed. NO regular person would be able to understand these financial statements. They have lost track of there own complicated mathematical process and continue to harass me via constant phone calls & emails. They stole my payment and want to charge me for being a payment behind. I have never had a problem with a loan in 45 years. Mr Cooper is the WORST company I have ever dealt with. Your assistance would most appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. 

XX/XX/XXXX XXXXCapital One XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this unknown inquiry from my credit 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 non-monetary relief
Consumer complaint received 2022-09-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Made payment on XX/XX/2022 REGIONS ACCT PMT ACH debit - {$50.00} The complaint is that I was reported late to the bureau for an annual fee. I never received notice that the fee was due. You also had an incorrect address stating an apartment number when I live in a house. When I saw the balance reflect on my credit report for my line of credit, I immediately contacted you to make a payment. I have 100 % on time payment and feel this was unfairly reported as I was not notified. I don't have online access as the representative I spoke to advised if you don't have a bank account, you cant be granted online access for line of credit. I ask you please remove this negative delinquent payment from my credit. As you can see I have never even carried a balance on the line and am very responsible with my account.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2023 I XXXX XXXX called TransUnion XXXX and I called the company and was trying to exercise my right under the FCRA. I tried to dispute some fraudulent inquiries on my credit report. Transunion refused to dispute my issues..I have rights under the FCRA to dispute any inaccurate information listed in my credit report,, transunion failed to submit my dispute,, its my right to be able to have anything investigated that I feel is. Not valid on, my credit report how are they able to not dispute fraudulent inquires thats listed n my credit file,,,

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 2023-02-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit score on XX/XX/XXXX was XXXX - Credit Score on XX/XX/XXXX was XXXX. 
No reason given on why XXXX XXXX dropped XXXX points. This has hurt my ability to apply for credit. 
Credit report pulled on XX/XX/XXXX showed only 7 accounts opened -- NOW Credit report pulled on XX/XX/XXXX shows 20 accounts opened. Major error on Equifax. 
On XX/XX/XXXX - ( letter received by Equifax on XX/XX/XXXX - Cert # XXXX ) I requested 4 accounts to have " Derogatory '' removed as the accounts are either paid/transferred/payment in process. No Change on the disputed accounts per Confirmation report # XXXX received XX/XX/XXXX from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/, I attempted to use equifax 's online service to unfreeze my credit. There was a " '' temporary '' '' error not allowing me to log in by resetting password. The call line asked me to provide personal information to an agent outside US Jurisdiction, so it was not viable. 

Today, XXXX, I went again to their site and was again blocked by a " temporary error ''. It seems to be permanent. Their phone line wastes everyone 's time by recommending to use the website when the website isn't working, and there's no transparency as to why it isn't working. I was eventually able to XXXX through the phone robot to unfreeze my credit which is a simple task, but still don't have access to their website, or confidence in them as a company. 

Considering the chronic issues plaguing Equifax, such as the massive data breach, and general incompetence for which you can find hundreds of personal experiences online, is there any reason to keep this company around? XXXX and XXXX seem to be sufficient on their own, and I'm sure a replacement for Equifax would operate much better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX Account number 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 A Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe 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
Consumer complaint received 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
On XX/XX/2022 XXXX XXXXXXXX XXXX submitted a fraudulent hard inquiry. Credit was denied, but the hard inquiry remains on my credit report over a year later. I have tried with both the credit agency and XXXX XXXX to have the inquiry removed, but neither has done so. The credit agency says only XXXX XXXX can remove it. XXXX XXXX has been unresponsive to multiple phone inquiries and to a XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
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:
Put a account on my report that I didn't apply for

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 2018-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America is running a false advertising, Bait and switch scam. They offer nice incentives to open an account. Then when the customer uses the incentives to generate the bonus points and cash incentives the fullest extent, as specified in the contract. Bank of America closes the account. The prof that this is an intentional premeditated scam. Is in the contract. With all the identity theft, going on. Along with just plain typos. When a bank closes your account and cancels your credit card..They should be required to give you a valid reason. There is too much false, fake, and disinformation information, on the internet and in company data bases. There are over a Thousand people in the U.S.A with my same first and last name. When a business decision is made, to close anyone 's account. The customer has the right to know if that decision was based on their correct, valid information, not someone else 's. Especially personal banking information. Since Bank of America has include in their contract ( Bank of America can make a business decision to close an account any time for any reason. And keep that information from you. ) I believe this part of Bank of America 's contract was included to allow Bank of America to commit bait and switch scams. With the forethought that they could now defraud new customers who earned benefits and perks. Bank of America offered perks as an incentive to open an account. Then they close the account of people who use those perks. Bank of America believes this is a way to hide a false advertising, Bait and switch scam. I have talked with several people at Bank of America. I know they were all honest people who just needed to do what they had to do to keep their job. Personally, I quit a salesman job where I was trained to lie to people in order to make sales. It is a shame all honest people required to lie as part of their job do not have the resources to quit. Making the criminals, Do their own dirty work. I really hope the CFPB, Looks into, and has the ability to stop this kind criminal activity. Of all the types of companies in the XXXX XXXX  should be the most transparent. I hope the CFPB, does not allow Bank of America to continue hiding their scam in a contract. I am sure any contract intended to hide a crime is invalid. I am sure Bank of America knows this. I also believe they are not going to stop this scam until some one takes legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX, 2022, A fraudulent unauthorized hard inquiry from XXXX XXXX XXXX Bank was reported on my Transunion Credit 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 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was included in my bankruptcy from 2018 and enclosed is the bankruptcy paper as well as how it is reporting on my report it is showing as a collection which is incorrect

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 2023-07-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I made a payment to my XXXX XXXX XXXX XXXX for {$780.00} on XX/XX/2022 electronically from my Citi Bank account in error. The payment should of went to the new company that XXXX 's sold the XXXX card to which was Comenity Bank. My bank XXXX sent me the information showing that my electronic payment cleared through XXXX 's but XXXX 's never sent the payment over to Comenity Bank or sent the payment back to myself, they just held the money the payment for {$780.00} for a year now. I am attaching all the information from XXXX Bank showing I made this payment and also a copy of my bank statement showing the electronic payment went to XXXX 's and cleared at XXXX 's. XXXX 's sent me now a letter stating that the payment was sent to Comenity BankXXXX XXXX XXXX Comenity has been charging my account interest for the XXXX as I've been running in circles trying to find out which company has my electronic payment. This has been going on for over a year now nobody can find my payment. Both XXXX XXXX XXXX and Comenity Bank say neither have my payment, but XXXX Bank shows me making a payment and a debit for XXXX in my checking account. I am sending all of the supporting documents in hopes someone can assist. 

XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a car loan thru XXXX XXXX that is current and the next payment due is XX/XX/XXXX. The car was stolen and totaled in XX/XX/XXXX and was located confiscated by the XXXX XXXX XXXX. XXXX XXXX told me they would retrieve the vehicle from impound, auction it and put any remaining monies to the remaining amount of the loan. They advised this would be about a 90 day process. I advised XXXX XXXXl that I would continue to make my payments until the process was complete and I receive a final balance. I have paid as promised and only owed about {$500.00} total on the initial lease. I made a double payment on XX/XX/XXXX. I spoke with a representative when I made the payment and no update was given on what the final balance would be. 

I get an email on XX/XX/XXXX from WestLake Portfolio Management, a collection agency advising me the remaining amount of my lease has been sent to them for debt collection. They advise I owe {$1300.00} for a repossession. I called and verified this with them. 

I never received a letter, email or phone call from XXXX XXXX about the final amount owed. I also never missed a payment. My online account shows current as well as my credit report. 

WestLake Portfolio Management is trying to collect on a false debt and XXXX XXXX placed it there on false terms.

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 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BANK OF AMERICA CHARGING ME FOR AN ADVANAGE ACCT.AT A RATE OF XXXX A MO.OF WHICH I DID NOT REQUEST NOR WAS I ELIGIBLE FOR STATED ACCT.THIS TYPE ACCT.REQUIRES A MINIMUM OF XXXX BE MAINTAINED IN THE ACCT.AND I DO NOT QUALIFY -- THIS HAS BEEN GOING ON APPOX.20 YEARS AND I ESTIMATE OVER XXXX IN EXCESS CHARGES -- ACCORDING TO THE BANK MANAGER THIS WAS MY FAULT FOR NOT CHECKING MY MONTHLY STATEMENT -- I THINK THE BANK AUDITERS SHOULD HAVE CAUGHT THIS MANY YEARS AGO AND CORRECTED THE SITUATION -- HOW MANY OTHERS DOING BUSINESS WITH BANK OF AMERICA ARE AFFECTED??? 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 monetary relief
Consumer complaint received 2017-03-13
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I was entered into the care of XXXX Hospital. This of course came with some bills, the one I 'm disputing is in collections for a total of {$3400.00}. I do n't even know what the charge is for specifically or the amount and can not find the information anywhere. Every other charge I incurred during my hospital visit was covered by my insurance company at the time, XXXX. I had had the insurance since XX/XX/XXXX, and I have the payments to prove it. I was told by XXXX customer service on several occasions to give them time to send the payment over to the collection agency or the hospital asking for the charges at the time. They later changed their story and said they were no longer going to pay, even though during XX/XX/XXXX and at the time of the hospital visit, I was paying a premium of {$570.00} every month for the XXXX plan. I 've had insurance with them for 2+ years and they left me in the dark thinking they were going to cover what they agreed to and what I 've been paying for but they did not. And my debts have now been sent to collections. I know that these debts are not to be paid by me, but by XXXX, I have been paying my premium for a reason, it 's their debt NOT MINE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I had previously submitted a complaint to XXXX  MasterCard in regards to them reporting that I was late in that account. Due to corona virus Pandemic my job laid me off. I arranged with mercury cards an agreement for 3 months and was told entering into this agreement they will not report my account as late. They did and my score dropped almost 90 points. I am now uploading the letter they sent me to show proof that this was not to be reported.

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