BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Since XX/XX/XXXXXXXX  I have paid extra every month to be applied to escrow. To find out that all the extra money went to principal balance, which is not I requested nor stated in each memo when paying via bank transfer. I would like {$700.00} to be reversed from principle to due your company 's error, applied with the {$500.00} I sent in in XX/XX/XXXXXXXX  to be applied to XX/XX/XXXXXXXX  mortgage payment with the remaining balance of {$160.00} to escrow. I was toldby New rez in XX/XX/XXXXXXXX  that all extra would go into my escrow account, if I noted it. 
XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX  and XXXX XXXX  I paid extra in the amount of {$39.00} each month. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I paid {$79.00} extra. XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX I paid {$61.00} extra and the {$500.00} paid on XX/XX/XXXX should be in suspense waiting for the remaing {$530.00} to be sent in. 
Again please reverse {$700.00} that errously went to principal and apply my suspense of {$500.00}. Then I called XX/XX/XXXXXXXX  to make the remaining payment of XXXX to XX/XX/XXXXXXXX  along with the {$500.00}. To find out today they took out the {$500.00} but then applied the XXXX to principal balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I have this XXXX  / SYNCHRONY BANK credit card since XX/XX/20. I paid {$100.00} every month and used this card for {$1900.00}. I was so amazed that they charged me {$1000.00}. Please see attachment below for your review. This company is killing the consumers.

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 2019-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XX/XX/2017. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( 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 2024-01-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm presently in florida for vacation, and i have been locked out of my card and account, and they wont give me any reason for it, I'm presently stuck in florida cause of this, I need my account asap

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 2023-05-05
Company: EQUIFAX, INC.
State: MS
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 am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX XXXX ( Late Payment ) As part of the dispute. I requested that you reinvestigate the information and provide me with proof of reinvestigation as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, Im a Bank Of America costumer and Im trying to use XXXX  to have an Instant Verification to confirm my bank account since Im going to start doing trade currency and my broker is XXXX and and XXXX  is telling me my bank blocked me from doing the XXXX  Confirmation.

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 2021-02-27
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
They told me to wait a month. 

When I filed this complaint with the Federal Consumer Protection Bureau, I was unable to add example files to the complaint. The link on the CPFB website didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 at XXXX pacific time. I when to deposit the cash amount of {$2700.00} at the Bank of America ATM ID XXXX located at the parking lot of the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. 
We deposit the money at the money slot, machine took the money and just completed the transaction without giving any receipt. Free our card. We automatically check our banking application and notice the money wasn't credited. We call the number of the ATM and they told us they couldn't help. We tried calling the bank but customer service is not responding.

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 2020-12-17
Company: HW Holding, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX : I am repeatedly being denied rental housing based on my low credit scores and credit reports. While my scores and reports are reflective of financial trouble experienced in the past and including a divorce, it does not reflect in any way my ability to or inability to pay rent nor my rental payment history. 

I have been paying my rent ( and in fact nearly double that which I am currently applying for ) on time each month for the past five years. Yet it is not reported to or by credit reporting agencies and therefore, landlords do not consider this. In rental markets of high demand, such as XXXX California, prospective tenants are vetted and rejected based solely on their credit score. 

If a credit report and score provided by a credit reporting agency does not include rental payment reporting and history, landlords should be barred from using this information as a basis to deny housing. Landlords are not banks and they should not be entitled to strictly lender derived information as a reason approving or denying housing. 

I am also pursuing this matter with my congressional representative and senator. This is something I feel very passionate about for myself and countless others who have been denied housing based on their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: MO
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:
Personal Information : XXXX reporting incorrect Date of Birth ( can provide documentation verifying this ) Current address is incorrect ( can provide documentation verifying this ) Remove all employers except XXXX. XXXX XXXX Inquiries : XXXX shows XXXX while XXXX and Equifax show XXXX Please resolve the inquiries Account History XXXX XXXX XXXX XXXX Not reporting correctly with all XXXX, Equifax, and XXXX Information XXXX XXXX XXXX XXXX XXXX not XXXX correctly Information updated XXXX XXXX XXXX Information not reported correctly Information updated XXXX  XXXX Information not reported correctly Information updated XXXX XXXX Information not reported correctly Information updated XXXX XXXX XXXX not reported correctly Information Updated XXXX  XXXX Date opened, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX not reporting correctly. 
Please update XXXX XXXX XXXX and XXXX XXXX not reporting correctly Please remove XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX  XXXX XXXX not reported correctly Please update XXXX XXXX XXXX XXXX not reported correctly, account charged off as a loss and sold Please remove for inaccuracy XXXX XXXX XXXX XXXX Information reported incorrectly, account paid but shown as derogatory Please remove for inaccuracy XXXX XXXX  XXXX XXXX reported incorrectly Please close for inaccuracy XXXX XXXX XXXX reported incorrectly Please update XXXX XXXX XXXX reported incorrectly Please update

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: TX
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:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below is not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX  Account number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I noticed that I had maintenance fees on a monthly XX/XX/2023 statement. I talked to an XXXX XXXX XXXX at a BofA bank in my area about this. I knew that at times in the last 10 years that my account had a large deposit of money in XXXX of my XXXX accounts though I still received maintenance fees on my account. I was sure that I maintained at least {$1.00}, XXXX in XXXX of my accounts so that I would not receive maintenance fees. 

The XXXX XXXX XXXX at the BofA filled out a request form for me to receive {$800.00} from the bank to reimburse me maintenance fees on my account, but the BofA did not reimburse me any money for charging me maintenance fees even though I had the required amount of money in the bank, at times, to not have to be charged maintenance fees.

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 2020-12-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with Synchrony bank, i paid for their debt protection plan on the account. I lost my job in early 2019, used the debt protection and the account was paid in full and closed. I recently got a summons that Synchrony bank is now attempting to sue me for the same debt that has already been paid off! None of my other synchrony accounts have ever been late/in collections.

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 2019-03-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting me as 30 days late on the XXXX/XXXX   partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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:
This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen. I disputed the accounts multiple times. There are repeated accounts on my credit where they have added it multiple times to the same account. Said they hired an attorney to take care of the debt that was never even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2020 -there was a fraudulent inquiry made at XXXX XXXX to get credit & it appeared on my XXXX  credit report. i never made this inquiry & contacted XXXX  XXXX immediately & then XXXX. however, it still appeared on my credit report as an inquiry & lowered my credit score for no apparent reason other than fraud. therefore, i would like this inquiry removed! asap!! 

on XXXX XXXX -another inquiry was made again at XXXX XXXX  & this appeared on my experian credit report. 

both fraudulent inquiries appears as one inquiry on my credit report, regardless, i would like the fraudulent inquiry removed. ASAP!!! 

I DID NOT REQUEST THE INQUIRY & SHOULD NOT SUFFER A LOWER CREDIT SCORE AS A RESULT OF FRAUD! PLEASE REMOVE ASAP!!

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 2021-05-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
i sent a FINAL payment on a loan from Coinbase, paying them back on their own website.It just so happens that when i clicked on the make a payment key, nothing happened for like 2 minutes, and i thought maybe i didn't click hard enough on the keyboard, but it turns out i did, and a payment for U {$620.00} went trough, instead of my click take me to the next step forward, it took another payment?! Imagine if i had clicked a few times? 
It is not acceptable for a site of that financial magnitude to have that happen on their site, whoever designed that ... .WHEN YOU CLICK MAKE A PAYMENT IT SHOULD NOT ALLOWED ANYTHING ELSE HAPPEN, EVEN IF YOU CLICK ON IT AGAIN, ONE CLICK, ONE ACTION, NOT 2/3 CLICKS 2/3 PAYMENT?! XXXX?! 
so because i canceled a payment with the bank, after not hearing at all from their non existent customer service depot ( there is no phone number or a human " customer service '' representatives, for a XXXX XXXX dollar company?! ) So Coinbase decided that they should sell some of my assets, for a THIRD payment, on something that had been paid off weeks prior. and STILL AFTER 6 BUSSINESS DAYS OF THE PAYMENT ARBITRARILY MADE BY THEM SELLING MY ASSETS, on top of the 2 payments i made, I STILL HAVE NO ACCESS TO MY ACCOUNT, AS T HAS A " PENDING '' STATUS, NOT SURE WHY, SINCE THEY HAVE BEEN PAID 3 TIMES ALREADY, AND IT HAS BEEN OVER 2 WEEKS OF THE INITIAL XXXX ....?! 
WHY THERE IS NO REGULATION ON THAT COMPANY THAT JUST WENT PUBLIC WITH NO CUSTOMER SERVICE TO SPEAK OF? HOW IS THAT POSSIBLE?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid CheckintoCash directly the debt was removed from my credit report and recently put back on the credit reports as unpaid the debt was paid in 2019.

Company response to consumer: Closed with explanation