BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received an Escrow Analysis from Bank of America informing me that there was an overage in my escrow account. The letter stated that a check in the amount indicated within the letter would be mailed to me within XXXX business days. On XX/XX/XXXX, I contacted the bank to inquire what happened to the check. The bank rep did not know. I called back on XX/XX/XXXX. XXXX and the bank rep told me the check was sent to an address I lived at some 15 years ago. I asked the bank rep how this could happen if I did not call them to change the address. The bank rep did not know. I called again on XX/XX/XXXX, to find out why this continues to happen where someone is illegally accessing my account and making random changes. To date, I have not received a response. The only other person on the NOTE is XXXX XXXX. He relinquished all rights to the property via XXXX XXXX XXXX in XXXX. This same situation happened in XXXX and XXXX, there seems to be a pattern of every other year. Making the situation more concerning is I do not have access to an online account. When I request an online account, I am told that instructions will be mailed. Once the instructions arrive, they are addressed to XXXX XXXX, despite the mortgage statements coming in both our names. When I wrote to Consumer Financial Protection Bureau in XXXX, the Bank of America told you and me by way of letter that I may have been the victim of fraud. Obviously, this is not true and it is Bank of America that is committing the 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 explanation
Consumer complaint received 2023-01-30
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-11-12
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: Account status incorrect

Complaint:
Equifax continues to report XXXX XXXX and XXXX XXXX accounts as DEROGATORY AND COLLECTION/CHARGEOFF when these accounts have been settled aND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. Equifax continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report direct from Equifax which shows they are incorrectly reporting these XXXX accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 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 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I the Consumer and Natural person was denied credit after my social security number was given and I received no benefits, this proof of fraudulent activity ( unauthorized use of credit card 15 USC 1602 ( p ), adverse action against a consumer is against the law according to Equal credit opportunity act which is codified in 15 USC 1691 and is in pursuant to civil liability under 15 USC1692 ( k ) .also in violation of 15 USC 1642,15 USC 1681 ( m ) and 12 CFR 1002,1002.7 because I the consumer made an application ( in good faith ) but credit was not issued. BANK OF AMERICA is subject to criminally liability for violating 15 USC1691 as I have proof that I was Discriminated against due to the response I received. Also BANK OF AMERICA is in violation of 15 USC 1611 whis public knowledge whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of thia subchapter or any regulation issued there under.

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 2023-11-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive been using synchrony bank for a mattress firm account for almost 2 years. They do not take the payments owed to them within a reasonable amount of time. They wait 7-10 business days to pull debts owed to them from either an auto pay or paying through their automated payment system. This has cause my bank to decline payments causing me to be late. My original payment amount to them is XXXX a month. I pay XXXX to pay the debt faster. Due to their predatory payment processing policies its caused me to be late 3-4 times. The company did a random account review and has now decided to close my account. Ive called and spoke with their sr account manager XXXX. No one at this company can give me any answers or tell me anything other than Im still required to pay the debts owed the banks finance team can close any account at their discretion the finance team does not have a number for you to speak with anyone that made that decision all calls with the company are recorded.

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 2023-05-02
Company: EQUIFAX, INC.
State: IA
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'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed a few hard inquiries on my report from Equifax that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. I'm representing myself by myself and I do not involved any third party for this matter. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiries are unverifiable information and must be deleted from out of my credit file. Here is the name of these inquiries : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX These items must be removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: ALLY FINANCIAL 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:
Ally Financial - XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.

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 2023-06-19
Company: AMERICAN HONDA FINANCE CORP
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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. 

Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Please fix this account : AMER HONDA XXXX Balance : {$8100.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally financial Has violated my Consumer Rights charged me extra on the same week has stated late fees falsely has discriminated my language barrier i plead further investigation to this bank institution they are violating consumers rights with no Control

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 2022-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Last month I contacted USAA to change the delivery method of my credit card statement from paperless to paper statements due to the bank cancelling my membership and locking me out of my account since XX/XX/XXXX. I was not able to make a payment on the charged off credit card since XX/XX/XXXX and I still have not received a paper statement from USAA to make a payment on the credit card bill. There are three options for me to make a payment either through phone, online, or mail. I am not making a payment by phone or online due to USAA cancelling my membership and locking me out of the moble app for over a month and half therefore, I requested to receive a paper statement since last month and I have not received the statement to make a payment. I do not trust USAA with my current banking information due to their constant harassment and white supremacist acts of withholding and doing what they want to do with the money I earn by going to work since the year of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: BARCLAYS BANK DELAWARE
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've had my JetBlue credit card with Barclays for 7 years and not used it in the last few years why I canceled my credit card in order to save USD XXXX annual fee. Barclays then persuaded me to keep the card because of the benefits Jet Blue would offer. Upon reactivation, my auto payment feature has been somehow disabled, resulting in my USD XXXX annual fee not being paid. Since my monthly statement did not reach me either despite paperless statement ( got also disabled ), this amount was overdue. At no time did I know that this amount was overdue. This resulted in a significant drop in my credits score. I have reported this to Barclays and also to XXXX which then reached out to Barclays. Despite all this information, my credit score has not been adjusted accordingly yet. For a XXXX who is struggling to build a credit score, this is hard to accept. I disputed on the XXXX website again, send this complaint here and won't give up before I am not treated the right way here. Thank 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 2023-01-17
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi on XX/XX/2023 i filed a dispute for charges that i didnt make some of the charges were adjusted from moneylion to my account but not reflected to my balance and some of the disputes were not processed as per moneylion saying that no error was found without making an investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited an Insurance check into my XXXX XXXX account and it cleared with XXXX, but when the check was sent to Wellsfargo it was denied and the funds were taken out of my account. Wells Fargo denied the checks because of an endorsement issue. I had initially attempted to deposit the checks on XXXX mobile deposit but I was over my deposit limit for the month. The app instructed me to place mobile deposit only on the back of the check so of course, I did. When the checks couldn't be deposited by mobile deposit I went to the ATM and the checks were accepted. Three days later the funds were taken out of my account and XXXX charged me a {$25.00} return fee. The amount of the money returned was {$6800.00}. I now have to ask the insurance company to reissue the checks and to this day they have not. This incident occurred on XX/XX/2021.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: VA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, Acc # XXXXXXXX XXXX  XXXX, Acc # XXXX, XXXX, Acc # XXXX, XXXX XXXX, ACC # XXXX, XXXX, Acc # XXXX, XXXX XXXXXXXX, Acc # XXXX, XXXX XXXX XXXX Acc # XXXX, XXXX XXXX Acc # XXXX, XXXX XXXX XXXX, Acc # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX, Acc # XXXX, XXXX XXXX, Acc # XXXX, Acc # XXXX, Acc # XXXX, XXXX XXXX XXXX Acc # 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have two accounts one ending in XXXX the other one ending in XXXX. I received pretty much identical letters today stating that you have reduced my credit limit. And Im not talking about just reducing it a little bit. For example the card ending in XXXX you went from {$11000.00} down to {$300.00}. Some of your reasonings are that I have a late payment I have just looked at all three of my credit reports. I dont know what youre talking about. Could you please show me where youre finding this late payment because I cant find it. I scoured every single credit report and can not find where Ive ever missed a payment anywhere ever. I think you tell me that payment to low relative to balance on Wells Fargo credit card last six months I have a XXXX balance what are you talking about so you lowered my credit limit because I have a XXXX balance. Please explain yourself in detail and in writing, and because your reasonings dont add up, they just arent truthful. Youve also listed that I near my credit limit on other cards. I looked, and I will admit theres two cards that are I guess you could consider relatively close to the credit limit theres still thousands left but were getting close to that I guess, but I also havent made a payment this month yet either. So obviously, those balance will decrease the rest of the cards. Do not have that large balance. A lot of them have a XXXX balance just like my Wells Fargo card ending in XXXX the other credit card ending in XXXX. You pretty much used all the exact same excuses. The only difference here is that I do have a {$400.00} balance on the card {$400.00} has literally been on the card for less than a month. How can you determine how much Im going to pay or how quickly Im gon na pay that {$400.00} off if we literally the balance has been there for less than a month.

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