BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: OH
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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2023-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Equifax system keeps lowering my credit score without correct reason. This month my Equifax score was lowered XXXX XXXX  & stated it was because I got a new credit card. I did not get a new credit card. I can't help that credit I already have is bought out or changed. The reason states I have a new card since XX/XX/XXXX & XX/XX/XXXX & then goes on the say that I've had this credit card since XXXX! How can this possible relevant? Further the report goes to the credit company that was sold or transferred & states that my card was cancelled!! I can't help the internal workings of companies & I see no reason for a decreased credit score. My bills are paid on time, I seldom make the minimum payment but rather pay the full balance each month & yet Equifax is consistently lowering my credit score. As soon as I get the information regarding the other bureaus, additional complaints will be made. I had sterling credit 2 years ago & since then I've been lowered to the XXXX range for what appears to be no valid reason. Of course when one bureau does it, another bureau does calculations & takes to original lowing into consideration & proceed to lower my score further. This isn't right. I also want to know how to get my credit back to the 800+ range since no financial movements have been made that should have lowered my credit score to this degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I requested a new XXXX  XXXX Bank of America XXXX in the middle of XXXX of XXXX, the card was never received. I called inquiring why XXXX XXXX received my card in the beginning of XX/XX/XXXX and found out the card sent but just left on the porch out in the open by whichever delievery carrier was used. Upon calling Bank Of America and requesting an additional card requested to be sent I was informed the previous card was acrivated and my funds were drained out of my account with fraudlent unauthorized transactions. Upon successfully receiving it after the first failed attempt I tried to activate the card for I can gain access to my online mobile transaction history I was informed my account has been frozen. This is ridiculous that funds can be fraudulently taken out of my account and when I try to get it resolved they freeze my account after filing a claim for the all the money that was fraudulently stolen from my account. The claim was filed on a Friday XX/XX/XXXX and then claim was denied by the following Monday on the XXXX of XXXX. I truly don't see how they could or properly investigated the unauthorized activity and to have a decision of denial like that. I'm clearly not the only individual that has had this issue due to the class action suit that has been filed against Bank Of America. No proper action wad taken by Bank Of America because they denied and put a block on the account that said couldn't be removed 3 days after I filed the claim regarding the fraudulent activity. After receiving mail sometime in the first week of XX/XX/XXXX, stating {$6.00} in fees was deposited into my account ( which was false ) I called and was told my claim yet again is being looked into which is why I'm filing this complaint to hopefully finally get the resolution that I rightfully deserve.

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 2023-03-07
Company: SYNCHRONY FINANCIAL
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/23 I called to close account and have the funds ( over XXXX ) wired to another bank. 

XX/XX/23 they closed the savings account. But as of this date XX/XX/23 have not received any of the funds.

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 2023-06-08
Company: Capio Partners, LLC
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:
XXXX and XXXX just add items to.my credit and update tradelines. Re aging old accounts never listed as fraud. 
Medical debt added which was resolved through financial assistance through hospital do bill were not validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Funds were being withdrawn from my account in a city 4 hours away, and caused my account to get overdrawn on multiple occasions. Wells Fargo never did anything to help me when I reported this on my account. I closed my account in 2016.

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 2023-08-15
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every year around the same time of the year ( XXXX - XXXX ), ( a ) Roundpoint demands that we send them a copy of the Master Policy for our HOA ; ( b ) we send them a copy of this policy and get a confirmation of them receiving the policy ; and yet ( c ) they send us letters pretending to have never received the policy. 

The same exact thing happened to us last year and was chronicled in CFPB Complaint XXXX ( attached ). 

They are literally the only mortgage servicer we have that makes zero effort to get the master policy themselves, which is ridiculous by itself, and yet even when we provide them the policy, they claim they never received it. 

I'm not sure if they are doing this purposefully to try to force borrowers to take out unnecessary policies under the basis that they are supposedly uninsured. 

I have attached a copy of the previous complaint, the Master Policy, and the email confirmation. The proof of submission is from XX/XX/XXXX, and their letter claiming they never received it is from XX/XX/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 2023-01-17
Company: EQUIFAX, INC.
State: FL
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:
DO NOT CLOSE THIS COMPLAINT, I AM MAKING THIS COMPLAINT MYSELF XXXX XXXX IS MAKING THIS COMPLAINT NBOT A THIRD PARTY. 
So I have tried to work with the credit bureaus time and time again to get them to remove identity theft from my credit reports. they never do what they are supposed to. I am gon na end up hiring a lawyer to pursue this if you guys dont do what you are supposed to and remove the identity theft from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 XXXX 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 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
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:
Credit reporting agency is reporting late payments on an open account that was never late. According to 15 U.S. Code 1681a ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. The institutions that are reporting late payments are preventing me from being extended credit and or being able to purchase 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 2023-06-23
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have attempted to pay off my escrow shortage for 8 months. On XX/XX/2023 my conversation with the representative advised me of the balance of the escrow shortage of $ XXXX, which was paid off and a new mortgage payment was recalculated. I adjusted my new auto pay to reflect this amount plus an additional amount t be applied to my principal. After paying off the shortage and adjusting my payment tit reflect the new amount the representative gave me, I have recevied several emails stating they did not apply my payment due to a shortage in my payment. Since then, I have called the mortgage company 7 times because they never adjusted my payment, did not apply my payments appropriately and have not corrected the escrow shortage that was paid off. I have left 4 messages with the head of the department to clear this up and I have not received one phone call back. I just sent a certified letter to the financial institution on XX/XX/2023 asking them to resolve this and to contact me. This has been extremely frustrating and I am a successful realtor that deals with lenders everyday. I am at my Witts end with BSI Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: IL
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 XXXX Account XXXX XXXX XXXX and 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.

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 2019-09-27
Company: Experian Information Solutions Inc.
State: CA
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:
We have multiple credit card accounts that are fraudulent showing up on a Experian credit report. We were told to file a report at identitytheft.gov and upload it at Experian website to get the accounts removed from our account. But the upload feature does not work. We have less than 7 days to get our escrow complete but can not due to Experian 's credit report. The only way is to mail it in but will take 30 days. Experian is running a business that supports fraudulent activity. Then they make people go through hoops with very little support. It's like a Catch-22, you need them to get financed but if there are any issues, you can not get it resolved. They allow themselves to get hacked, which led to consumers getting identity thefted, and in the end will pay more in financing costs. I would not be surprise if Experian gets paid by financial institutions to make things difficult and more expensive for consumers. They need to have a speedy process to clear up identity theft or any issues especially if they are the ones providing information on 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 2022-01-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, American Express ( AMEX ) indicates that I owe a balance of {$4700.00}. I do not owe this balance. I have gone back and forth with AMEX in regards to this issue and have asked them to investigate the matter. They have not. I asked for a review or print outs of my account, however, AMEX indicated they could not give me printout pass a certain time. I closed my account in XXXX and had a zero balance. When I reopened the account, I was told this amount was outstanding on my account. There have been multiple calls made to rectify this issue but I have been placed on extensive holds, sent to multiple agents and experienced dropped calls as a result. AMEX even offered to reduce the payment amount for payment, however, it was an attempt to get my bank information. I explained to AMEX that my identity and information has been breeched several times, and inquired requested an investigation. I filed a police report and presented this to AMEX. There has been no resolve. I would like to get copies of my statements for the entire time holding a AMEX card, and I would like that AMEX remove the charge. I explained to AMEX of two attempts from " representatives '' to secure my social security number and to reopen the closed AMEX. The last incident occurred on XX/XX/XXXX. As instructed, I completed AMEX 's identity theft declaration. 
Embarrassing as it is, AMEX representative contacted my family members looking for me after he had already spoken to me a week prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of XXXX, during a routine security clearance investigation, I was made aware of a credit card account in my name opened on XX/XX/XXXX. This account charged over XXXX dollars between XX/XX/XXXX and XX/XX/XXXX. These charged were made across California, Florida and Texas. At the time, I was completing pre-deployment work-ups in XXXX, VA and XXXX XXXX to the XXXX XXXX XXXX I provided this information to Barclays Bank XXXX Delaware, to include a letter from my ship on Command Letterhead showing that I was XXXX, however, the Bank 's response was that the application had my correct information, therefore I was liable for the charges. This communication occurred in XX/XX/XXXX. The bank provided me with the application and charges at this time. Upon review of the application, I saw that while my name, address and DOB were correct, all of the other information, to include phone numbers, email, and mother 's maiden name were incorrect. I reached back out to the bank via XXXX, but the bank again stated that this was not enough information to exonerate me of the charges. Finally, after repeated attempts to ascertain what information would be sufficient to indicate these charges could not and were not me, the bank stopped returning my phone calls. I am attaching my correspondence with the bank, my letter from my ship, the balance statements, and the application to support this 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 2020-07-24
Company: SUNRISE CREDIT SERVICES, 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:
there is a delinquent collection on my report that has been paid since early 2018. This just surfaced and we are was discovered because we are trying to refinance our house. We called the company reporting this delinquency. They researched it while we were on the phone and verified the account had been satisfied for some time. I asked them to remove the reported item and they said they no longer held the account and could not remove this item from out credit report. My mortgage broker suggested I file this complaint to get this removed as soon as possible so we could move forward with our refinance.

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 2021-12-28
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:
The three credit reporting agencies ( Transunion, XXXX, XXXX ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. Transunion and XXXX have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies ( XXXX, Transunion, XXXX ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX # XXXX - Credit reporting agencies ( Transunion, XXXX, XXXX ) are updating this account even though it is closed. On at least one of my reports, ( XXXX ) the CRA  is reporting 30 chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

XXXX states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX Inaccurate Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX  XXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX XXXX XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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