BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
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:
Subject : Dispute of Violations of GLB Act, FCRA, and Fair Credit Reporting Act I am writing to file a formal dispute regarding the violation of my rights as a federally protected consumer by the consumer reporting agencies, namely XXXX XXXX, XXXX, Equifax, and XXXX. It has come to my attention that these agencies have breached the provisions outlined in the Gramm-Leach-Bliley Act ( GLB Act ), the Fair Credit Reporting Act ( FCRA ), and the Fair Credit Reporting Act 's Civil Liability for Willful Noncompliance .

Under the GLB Act, it is mandated that consumer reporting agencies safeguard personal information to ensure privacy. Unfortunately, the aforementioned agencies have failed to comply with the GLB Act, thereby putting my personal information at risk and compromising my privacy.

Furthermore, the consumer reporting agencies have violated the FCRA, particularly 15 U.S. Code 6801, which pertains to the protection of nonpublic personal information. As a result, my rights as a consumer have been compromised and I am experiencing direct harm, which is inhibiting my ability to establish good credit and acquire a rental property.

Additionally, the agencies have disregarded key provisions of the Fair Credit Reporting Act, including 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. Their actions not only demonstrate negligence but also a willful disregard for the laws put in place to protect consumers like myself.

Moreover, the agencies have violated 15 U.S. Code 1681a, which outlines definitions and rules of construction within the Fair Credit Reporting Act. By neglecting to adhere to these definitions and rules, the agencies have further compromised the accuracy and integrity of consumer reports, which has significant consequences for my financial well-being.

Furthermore, the agencies have failed to comply with 15 U.S. Code 1681b, which governs the permissible purposes of consumer reports. By unlawfully sharing or providing access to my personal information, the agencies have damaged my ability to establish good credit and secure a rental property.

In light of these violations, I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these consumer reporting agencies. Additionally, I request that you take the necessary steps to ensure my personal information is protected and that the agencies are held accountable for their actions.

I am providing documentation evidence necessary to support my claims. I trust that the Consumer Financial Protection Bureau will prioritize the resolution of this matter in a timely and efficient manner to safeguard the rights and privacy of consumers. 



Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Wyndham XXXX is a money hungry company that does not care about their customers. I have tried to cancel my contract, contacted a lawyer, and stopped my payments for this company because I can not afford to pay them. I have not used their services in 4+ years. They refuse to let me cancel my contract, and instead they continue to have the loan open which is negatively affecting my credit score. They will not push the loan to collections and they will not allow me to cancel the contract without me paying them {$10000.00}, on top of the {$25000.00} I already paid them. The loan amount is getting bigger and continues to gain interest and late payments.

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 2024-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A previous partner of a joint venture operation conducted Fraudulent Schemes ( on police report as a felony charge ) using our investor 's money and despite showing them where the money originated from and the promissory note for the money. We placed a multitude of fraud holds on the accounts ( just as we were told to do by Bank of America ) that amounted to nothing. 
This in turn, allowed the previous partner to steal over {$160000.00} from our investor and the bank did NOTHING despite us showing them everything ( even including documents showing the joint venture ). 
As a business owner, stay away. Unless you are looking into a bank that ignores very apparent issues and want to pay a lawyer to sort out everything for you.

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 2023-11-17
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ahead of repayment resuming in XXXX, I applied for a SAVE plan for my loans in XXXX which estimated that my repayment would be around {$300.00}. Edfinancial denied my application at that time " because my loan was not in repayment, '' and I had to hunt the correspondence that informed me of that decision down on their website ( which took some digging because they didn't inform me of that decision via email or anything at all ). I was only trying to get ahead of payments prior to them resuming. When they posted my payment in XXXX, they made the payment due by XX/XX/XXXX and the amount was roughly {$2400.00}. I immediately reached out to Edfinancial and also resubmitted my SAVE application ( again estimating that my repayment would be around {$300.00} ) because I would not be able to afford that payment. I inquired about why my payment was due in XXXX when repayment was supposed to begin in XXXX as well. The company did not reach back out to me until XX/XX/XXXX when they called to inform me that the application that I submitted in XXXX had been denied. The company had no idea that I had already re-submitted the application AND by that time, they had already posted payment due in XXXX, so the total payment that they were requesting from me was roughly {$4800.00}. The nice woman on the phone suggested that I just wait the application out since not paying will not affect my credit for the first year, which was nice to know, but not helpful in addressing the situation. When someone finally responded to my inquiry about payment resuming prior to XXXX, Edfinancial had already sent me an 11 day delinquency notice and adjusted the due dates to reflect payment due by XX/XX/XXXX and XX/XX/XXXX respectively. 

When they finally processed my SAVE application ( which they never told me anything about ), my account reflected that I would owe nothing for XXXX or XXXX. Except now, they're requesting that I pay {$2200.00} by XX/XX/XXXX when my SAVE application on XXXX says that I should be paying {$210.00}. This is a major discrepancy ibn payment that I can not afford with no correspondence from Edfinancial.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX, XXXX : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.

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 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For context, I XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. I have called EdFinancial representatives on a monthly basis starting in XX/XX/2023 regarding my federal student loans payments. I applied for the REPAYE income driven repayment plan ( IDR ) plan in XX/XX/2023 and all my loans have been under the REPAYE IDR plan since XX/XX/2023. In XXXX, I applied to the new SAVE plan and I believe I was approved in XX/XX/2023. 

When I spoke to a representative in XX/XX/2023, I was told that given that I made an annual income of {$0.00} in the prior fiscal year, my loan payments for the following 12 months starting with the first payment in XX/XX/2023 should be {$0.00}. At that time, this representative obtained my information over the phone to manual re-apply for the SAVE plan given my income of {$0.00} in the previous fiscal year. This same representative also emphasized to me that the estimated payment based on my previous annual gross income should be {$0.00}. She informed me although my account showed that my first loan payment of {$300.00} was due on XX/XX/2023, she stated that this new application for the SAVE plan ( reflecting last year 's {$0.00} income ) would take 21 days to take effect and reflect on my account and that I would not have to worry about the payment due on XX/XX/2023. I patiently waited 21 days. However, now in this month of XXXX, I have a {$300.00} past due payment with no adjustments made to my account. On top of this, my next payment due on XX/XX/2023 appears to have increased to {$610.00}. 

Today on XX/XX/2023, I have called EdFinancial again to clarify my loan payments which are under the SAVE plan. Today, I was told over the phone that the application for SAVE that I completed with the representative on XX/XX/2023 was approved. When I tried to clarify why my current payments do not reflect last year 's income, I was told that my payments should reflect this year 's income. At this point, I am not quite sure if the representatives are intentionally deceiving borrowers to force borrowers to make payments that are higher than necessary OR if the representatives have a poor understanding of the various loan plans and payments. Either way, EdFinancial is engaging in unacceptable practices and is taking advantage of students who are new to loan payments and who do not have the financial means to seek second opinions.

Overall, my experience with EdFinancial has been terrible. Their representatives are constantly changing the information that they provide their consumers. I have been having the same issues for months and I have yet to speak to a representative who can address my questions clearly and accurately.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: GA
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: AZ
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 submitted dispute for an account unknown to me. I submitted disputes with all XXXX credit bureau 's. Experian is the only bureau refusing to correct this error. I called to speak to live representative " XXXX '' in " XXXX, TX '' who stated " experian is a middle man and does not have to provide me with any proof '' from the account in question. I tried to upload proof and their system would not accept my PDF file. The representative refused to allow me to speak with her supervisor or anyone else. She asked for my phone number so that someone could call me back. No one ever called me back to correct this error. I feel that I have exhausted my options regarding this incorrect information that is negatively affecting my ability to close on a home.

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 2023-10-19
Company: Credit Union Mortgage Association, Inc.
State: DC
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:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told credit union Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund XXXX of dollars from the error that was made. Ive never been late and I believed the credit union Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. credit union Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to credit union Mortgage ( one has already been completed ). Credit union Mortgage can schedule the payment if they want assurance. Credit union Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On XX/XX/2023, an email was received through my wife 's email address that a credit card was approved in my name. I called BOA within an hour to report that I had not applied for a card. They put a stop on it and indicated the account was closed and could not be used. I followed up with their fraud department to open a case. They confirmed there were no charges and the account was not usable. I placed an alert on my credit reports. I have also requested a copy of the application that was submitted in my name for further investigation. Case # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: SC
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:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I have a charge off that is no t true.I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the Fair Debt Collection Practices Act ( FDCPA ), who have been threatened by legal action as unfair or unconscionable means to collect or attempt to collect any debt by debt collector Bank of America implication of attorney alleging a debt in excess of {$1.00} as a false, deceptive misrepresentation of a credit balance as expressed by the Fair Credit Billing Act. Bank of America use of false, deceptive, or misleading representation by account stated in connection with the collection of any debt by misrepresentation of the character, amount, or legal status of any debt is disputed for validation, verification, and proof of claim expressly authorized by the agreement creating the debt. The debt collector has harrassed me by furnishing my nonpublic personal information without sufficient proof of claim.

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 2023-10-07
Company: Experian Information Solutions 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:
In accordance with the Credit Reporting Act, this creditor has violated my rights Under 15 U.S.CC 1681 sec 602, which states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2. it also states a Credit Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Late 30 Days )

Company response to consumer: In progress
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief