BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYSTEM ( Original Creditor : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-03-18
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted documentation providing a new flood insurance on my policy and asking for a new escrow analysis. 
Was told one would be automated and sent to me. 
Two days later I called back asking for an update and was told by a different customer service rep that escrow analysis were done once a year. Then transferred to a supervisor and told I should just email a hardship request to have the escrow amount spread out over a period of time, that way my payment would go down.

I emailed the given email with the request then checked back a couple of days later to ensure delivery and was told by a csr that I have to handwrite the letter and the request for hardship hasn't even been forwarded to anyone. I explained to this csr that all I wanted was to have the escrow reanalyzed. I then asked what it would take to close the escrow account completely and she told me that due to the nature of the loan, it was impossible. She assured me that the request for reanalyzing my escrow was open and it was being expedited and told me to call back on the XXXX of XXXX. 
Called to check status on the XXXX and was told by csr that the escrow analysis request was open but not completed, and she wanted to transfer me to the insurance dept to get more info.

Spoke with csr named XXXX  who informed me that there was NO open request for analysis but she could open one and it would take 4-10 business days to complete and then I could wait on a letter from the escrow department regarding my new payment. Asked to speak with supervisor. Supervisor reiterated the same thing, that no analysis was open already and I'd have to wait. She then forwarded me to her supervisor named XXXX XXXX. Who let me know that all of the previous CSRs never opened an analysis and that " 4-6 more days isn't that long to wait '' even though I've been waiting since the XXXX. 
I inquired again about closing the escrow acct in it's entirety and was told federal laws would not allow that with my flood insurance and it would take 5 or so business days to find out if my homeowners insurance would be able to be out of an escrow account and I'd have to be transferred to another department to inquire about taxes.

This company has been disrespectful and deceptive and has lied about my money numerous times. I request this mortgage company and their practices be audited to save consumers valuable time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX- I went in to trade a car and XXXX seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: Bread Financial Holdings, Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
This complaint is filed to express my disappointment in the way Comenity Capital Bank handled a good will attempt from me as the customer to resolve a missed / late payment that occurred in XX/XX/2019. I had the unfortunate experience of having my wallet stolen in XX/XX/2019 there within my identification, bank cards, credit cards and my bank account numbers were stored. As a result, I had to freeze my bank accounts and cancel the credit cards in preventative steps to avoid further incident. My monthly reoccurring Zales XXXX account payment was tied to my bank account and was automatically withdrawn on due date every month. During this distressful period of trying to monitor my accounts against fraudulent activity after the theft, closing credit cards and having them reissued I also had to switch the bank account I had on file setup for automatic withdrawal with respect to the Zales credit account. Therefore, a couple of payments to creditors were late that which included Comentity Capital Bank. Once the oversight was detected I immediately corrected the deficiency and made the payments that were unintentionally missed to the creditor. Regardless, Comenity Capital Bank has reported a 30-day late payment to the bureaus that I discovered later and my credit scores have been significantly impacted as a result. My credit history with Comenity Capital Bank was in excellent standing prior to this incident. I explained details of my situation in good will and faith to Comenity Capital Bank and to my astonishment no help was extended by Comenity Capital Bank even as a one-time courtesy, given the extenuating circumstances, to reverse the adverse reporting made to the bureaus. I was extremely disappointed at their refusal to reconsider my request given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In pursuant to 15 U.S. Code 1692c I have told Capital one on numerous phone calls to NOT CALL ME while I am at work. I am not allowed to take phone calls at work. I receive text messages relating an alleged debt which I do not consent to as I am not allowed to text while I am at work and they also contact me at inconvenient times. I have told them to not call me while I am at work but they do not listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: MARINER FINANCE, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Name : Mariner Finance Type : Individual / Applicant Account : XXXX Collection Term : 48 Months Installment, Secured Date Opened : XX/XX/XXXX In XX/XX/XXXX at the beginning of the COVID-19 pandemic, I applied for a personal loan which was denied, but I was offered an opportunity to refinance my vehicle for extra money. However, unaware of this banks predatory lending practices, I was not informed that my new loan would not include GAP insurance until AFTER I had completed the loan process and signed the paperwork. Nevertheless, for the first 5 months from XX/XX/XXXX brought XX/XX/XXXX my payments went smoothly. 

Unfortunately, in XX/XX/XXXX, I contracted XXXX and suffered from long term symptoms which prohibited me from working and ultimately led to late payments from XX/XX/XXXX through XX/XX/XXXX when I applied for bankruptcy. From XX/XX/XXXX through XX/XX/XXXX, I attempted, unsuccessfully, to contact the bank in reference to a forbearance or deferral or any type of payment relief due to COVID-19 under the CARES Act. 

I am requesting that Mariner Finance do not report late payments to the credit bureaus in accordance with the requirements of the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting act 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 has violated my rights! Also i was never late on any of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2020-03-10
Company: Experian Information Solutions Inc.
State: HI
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:
I have filed a dispute with the company and the credit bureaus several times since XX/XX/2017 and the negative report is still showing on my credit report. I have never been late with this card and it still shows 30 days late on all my credit reports.

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 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been scammed for 2 months and I went through different kind of fraud transactions. This is wire-transfer transaction which was the last fraud one XX/XX/2021 WIRE TYPE : WIRE OUT DATE:XXXX XXXX ET XXXX SERVICE REF:XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ID XXXX XXXX PMT DET : XXXX XXXX XXXX. Amount : {$20.00}

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 2023-11-29
Company: Experian Information Solutions Inc.
State: DE
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 identified several inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) guidelines. 
tHIS inquiry was made without my consent and violate the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ), which states that inquiries into a consumer 's credit report must be authorized by the consumer or have a permissible purpose under the law.

I have not provided authorization for this inquiry, nor does it meet any permissible purpose under the FCRA. As per Section 1681b ( c ) of the FCRA, any unauthorized inquiries must be promptly deleted from my credit report. This section specifically states : ( c ) An authorized user under an account shall not be liable under this subchapter for any amount in excess of his or her pro rata share of the total of such obligations.

The aforementioned inquiries violate my rights under this section. I demand that these unauthorized inquiries be immediately deleted from my credit report, as they are inaccurate and damaging to my creditworthiness. I request that you investigate this matter promptly and provide me with written confirmation of the deletion of these inquiries 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 2021-11-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX I got a text message from Bank of America saying that they had approved the credit request in my name and they had sent a card over to me in 14 days. I called Bank of America because I did not apply for a card with them. They said that my social security number had been used on XX/XX/XXXX to open a card with XXXX which they said was some kind of XXXX XXXX XXXX. I informed them that the credit card was not applied by me and they said they were going to cancel the card as attempted fraud.

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 2023-12-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. XXXX, Equifax, and XXXX are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( s ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX , XXXX and XXXX XXXX XXXX, not XXXX, XXXX, or Equifax. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of 1974.

15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theyre asking me to pay a debt that I do not owe I take the position of alleged obligator not the obligator. Per 18 U.S. Code 8 - Obligation or other security of the United States defined

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 2021-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have two fraudulent accounts now owned by Portfolio Recovery Associates that originated with XXXX XXXX XXXX XXXXXXXX. Neither of these account a are a result of any credit I established nor have I lived at the Ohio residence the statement summaries were sent to. The accounts are for XXXX and XXXX Acct # XXXX Amount : {$1200.00} Opened : XXXX Credit card Status : Seriously past due assigned to collections Acct # XXXX Amount : {$220.00} Opened : XXXX Credit card Status : Seriously past due assigned to opting dispute they directed me to ftc.gov and advised me to fill out complaint there and forward receipt to collections Portfolio Recovery Assoc Contact info for Collection Agency ;. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX Upon attempting to file dispute they advised portfoliorecovery.comme I would need to go to ftc.gov and file it then forward receipt to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Google Compare Credit Cards Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2020 I was contacted by a person impersonating my pastor requesting {$300.00} in gift cards for the family of a member of our congregation in XXXX  XXXX  ( we actually had a member of our congregation in XXXX on that date ). I requested additional information and was told that Google Play cards would work as a source of funds and that the church would repay me for my expense. 
Since I was working at a client site, I had to travel to a XXXX XXXX  to obtain the gift cards. Once I purchased the cards, I contacted my pastor to get the cards and information to him. I was informed that I was a victim of a scam. 
I contacted the XXXX Police Department and filed a complaint ( case XXXX ) and contacted Google to obtain a refund on the cards - they verified that the cards have never been activated. Google refused to refund my money stating some policy that I had never seen nor agreed to. I contacted the XXXX XXXX   and got the same treatment. 
I am requesting assistance in obtaining a refund as this amounts to simple theft since Google has my money and has not been willing to return my money even though I have the cards and can prove they have never been activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSWORLD SYSTEMS INC
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: Old information reappears or never goes away

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Transworld Systems Inc. 
and XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: CITIBANK, N.A.
State: TX
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:
Previously, I noticed the CFPB of my ongoing difficulties to receive prompt identity theft transactions refund payments from with Citibank , N.A . in connection to the CFPB closed Complaint No. XXXX. However, I am requesting The closed complaint to be reactivated or re-opened by the CFPB because Citibank , N.A . failed to timely reimburse me for those Identity Theft unauthorized transactions taken against my cash on deposit at Citibank or Citibank , N.A . from on or about XX/XX/XXXX through XX/XX/XXXX. In lieu of timely refunding me for my unexpected financial losses, Citibank , N.A . closed my interest checking account and other savings account products. However, federal law required Citibank , N.A . to timely refund me for those losses taken against me specific to me being a victim of known identity theft. It is unfair and deceptive business practices for Citibank , N.A . to advertise the VISA {$0.00} liability program for unauthorized Visa debit transactions and also illegal of Citibank , N.A . to disregard federal law. 

Citibank , N.A . Is aware of my past due refund in the amount of {$31000.00}, plus applicable interest ; but Citibank , N.A . replied to the original CFPB complaint and then closed my personal checking account and personal savings accounts in lieu of furnishing amounts due to me. 

I am requesting the CFPB investigate my original and second complaints about Citibank, N.A.s illegal activities made towards me in lieu of the CFPB traditional complaint hand off back to Citibank , N.A . I continue without my past due refund because the CFPB failed to investigate my original complaint, and or the CFPB failed to oversee my identity theft losses were refunded to me by Citibank , N.A . 

To say the least, the CFPB inadequacies in handling my identity theft refund complaint is disheartening to me as a banking consumer.

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