BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: PA
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 was enrolled in school and XXXX didnt update their records until 3 months after enrollment. I was told that it would be backdated and my late payments would be removed. They were not. I was never late ever in my 11 years of having student loans beside them marking 30,60, and 90 days late on a loan despite me being enrolled in school. Ive tried to dispute with XXXX and have received no response or failure to accurately update credit file. I am unable to get a mortgage because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Lane Bryant Credit Card financed by Comenity Bank refuses to remove late fees and interest fees they charged me after I was under impression my account balance was {$0.00}. I made a payment plan with them to where their representative calls me on my paydays and I make a payment until my balance is paid in full. Their representative stopped calling me and I was left with {$23.00} balance. Now, after late fees and interest, they are trying to collect {$230.00} from me and are reporting me late to all credit agencies. 
I have sent them a letter with proof of payments as agreed with their representative and they refuse to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I've received numerous credit advisory e-mails with misleading information I have received multiple emails telling me of my outstanding approval odds for various types of credit accounts, and have taken their advice to my detriment by being denied credit and taking hard inquiries to my credit report- further lowering my credit score resulting in not being able to acquire new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent multiple letters certified to experien.com to have the bankruptcy removed as this was over 10 years ago and they have failed to do so after numerous disputes asking them to remove this from my file they have neglected to follow FCR a rules and laws. I am asking to help with this to get deleted from my file

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 2020-07-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Please see attached documents. 

Per federal law of the FCRA 15 U.S. Code 1681 c-2 the account must be removed in 4 business days of receipt of this notice. 

Per federal law of the FCRA 15 U.S. Code 1681i and 15 U.S. Code 1681 s-2 I have a right to 100 % accuracy and privacy. This account can NOT be validated as accurate. It is NOT 100 % reporting accurately and must be removed. 

This account is not 100 % accurate and must be removed immediately ( see attached document outlining the inaccurate and inconsistent information ). 

This is not allowed to be violated or validated as accurate by law.

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by XXXX points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.

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 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hello. I am here because I have no where else to go. I had been approached for unemployment benefits with benefits starting XX/XX/XXXX. As of today, XX/XX/XXXX I have yet to reciprocate my edd card from Bank of America. I had unemployment benefits within the last three years but am no longer in possession of my old card. After realizing that is where my initial deposits will be going contacted Bank of America to replace it with a new card which I was told was going to arrive 7-10 business days. Two weeks passed and nothing in the mail so repeated this after verifying my address which was accurately reflected on my account. I called again today after yet again no sign of card though I was informed it was mailed XX/XX/2020. The agent informed me Bank if America made an error in doing a standard shipment instead of express apparently. Granted 15 days is over either limit while I have been wrecked financially charging up credit and damaging hard earned credit. I asked to speak to supervisor but the agent refused saying they Re not  'trained to do that ', essentially refused to assist me any further besides repeatedly telling I can get yet another card issued. I made repeated calls only to be told to hold while being bounced around with no resolution, adding to distress in top of existing emotional trauma caused by having to continue to wait for payment approved back in XXXX and this is XX/XX/XXXX. One of the last agents I spoke to informed me I should be getting a call back in half hour at the most to resolve the issue and I waited over an hour with no call. I called back again and once agony I am being told to hold again and again while being told ' I am waiting for a resolution ' by the agent just like all of them and finally gave up and decided to fike this complaint in addition to seeking legal advice on how to proceed to see and convince these institution to show any kind of regard to human suffering. I am quite certain I am only one of  many left in this limbo and unspeakable distress and lack of sleep through no fault of our own and intend to reach out to all affected nationally to address the indefensible BREACH of duty Bank of America seems perfectly OK with with respect to folks suffering from unemployment while I am sure assessing the government and thus taxpayers fund fir service they are not devoted to providing. Please help!

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 2021-01-24
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reach out to my mortgage company New American Funding about my financial hardship they advised me to fill out a ( RMA ) Request for Mortgage Assistance Application, I sent in the application XX/XX/XXXX and I was ( Denied ) for all work out options. 
I tried calling XXXX XXXX left several messages and their was no response back, I was able to speak with a home retention supervisor to get a explanation on the denial, she disclosed to us the Loan Modification was denied because I had a previous Loan Modification within the past 24 months, she advised that if I would like to fill out and send another ( RMA ) I would be past the 24 month seasoning period and she said they should approve your modification basis on your facts. I sent another ( RMA ) in XX/XX/XXXX and I received another denial letter for all work out options. Under the Loan Modification column they checked off ( Other ) with a explanation that was not fully completed. We called on XX/XX/XXXX to get a explanation on the denial we reach out to XXXX XXXX no answer on her direct line, we spoke with a agent at home retention department he explained to us the Mod. was denied for having a FHA claim paid with 3 years. That does not disqualify me from obtaining a loan modification according to FHA/HUD guidelines, FHA/HUD guidelines are 2 years seasoning period.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Reporting company used your report improperly

Complaint:
My name 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 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 2018-12-29
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived in the apartment complex in XX/XX/XXXX this debt is saying that it was opened in XX/XX/XXXX and after I disputed the the debt they doubled the amount owed! I have attempted contact them by phone multiple times with no response! I am not sure what to do to get this issue resolved and I really need some assistance with getting this resolved.

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 2020-05-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
all ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Robocalls cost XXXX  $ XXXX arbitration award A XXXX woman won a {$450000.00} arbitration award from XXXX last month after receiving more than 300 robocalls from the XXXX-area retailer, which was trying to collect payments on her {$1600.00} sofa set purchase. 
Consumer Financial Protection Bureau Fines XXXX XXXX {$100.00} Million for Widespread Illegal Practice of Secretly Opening Unauthorized Accounts Search Results Web results FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} billion penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ... 
Search Results Web results XXXX XXXX  Robocall Lawsuit - The Class Action XXXX  XXXX Blog XX/XX/XXXX - XXXX XXXX  is suspected of violating the Telephone Consumer Protection Act. ... you may be receiving annoying robocalls in violation of federal law. ... cardholders and has loaned over {$2.00} billion since it was founded in XXXX. 


The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX i received a email saying my account is under review due to unusual activities. It maybe closed and i will receive a check with my balance. I call and they saying theyre investigating my account and the source of the funds. I contacted the person who transferred and they not heard nothing from they bank and everything is ok. Actually today im keep receiving wire transfers and no issues at all. I had been without fund access since XX/XX/2022 and they keep saying there no estimated time to resolve the investigation. I really need help on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Late XX/XX/2018 I went to check my account and found out that I owned Bank of America {$4000.00} dollars. I was shocked to see that I owe the bank money. So I called the bank to see what was going on. They told me that I owned them {$4000.00}. The bank told the check was counterfeit check. I told the bank I had know ideal that the guy I worked for at the time paid me with a counterfeit check. I bank just told me there sorry but their is noting that they can do about it. They said it s call a good faith check. Telling me I have to have faith that the person or company haves the money in there account. I told they I don't have the money to pay them back. The bank told me I can make payments for XXXX every two weeks started in XX/XX/2018. I told them I can pay them XXXX every to two weeks. So they have closed my 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 explanation
Consumer complaint received 2020-07-23
Company: Berlin-Wheeler, Inc. (Kansas)
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: Old information reappears or never goes away

Complaint:
The collection company Berlin Wheeler is reporting XX/XX/XXXX as account opened for XXXX XXXX XXXX, past due amount {$140.00} I paid in XXXX, I advised Berlin Wheeler Agents in various calls which escalated to a supervisor, which i didn't ask for, that the actual Date of Delinquency for this XXXX   XXXX XXXX is XX/XX/XXXX, therefore a closed account stays on a credit report 7 years from date of delinquency, if this was dated correctly it would not be in my XXXX  and XXXX credit Reports. Berlin Wheeler remain adamant in inquiring waiting on XXXX  XXXX to email them and thus correcting the date of this PAID-CLOSED account. XXXX  XXXX is yet to send an email because they don't list this account as delinquent, and 1 agent advised me they don't know how the collection account got to Berlin wheeler. This is a negligent and inconsiderate credit reporting practice that is resulting in personal opportunity cost of seeking the purchase of a new home, and to rectify 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 explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After waiting months to receive my husbands unemployment from out of state, chase seized our entire account balance without warning leaving us with nothing. They wont say when we will get the money back or give us any information to solve the problem. They left us with absolutely nothing and scratching our heads. Were honest, hard working people who have never committed fraud in our lives. Were supposed to be innocent until proven guilty but Im having to prove I didnt do anything wrong to get my own money back. In the meantime I cant pay my bills. The funds were deposited from the NY department of labor on XX/XX/XXXX and XX/XX/XXXX. The account balance of XXXX were seized XX/XX/XXXX. I spent 2 hours on the phone with the company and went to the physical branch as well. They just keep saying the decision has been made. We have {$0.00} to our name with bills coming up in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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:
I filed a complaint against experian for applying a security freeze without my consent and not allowing to verify i am the person the freeze is affecting and by them making me jump through so many obstacles to attempt in recovering pin to remove feeeze they have been having an adverse afffect on my physical health and mental health by denying me the opportunity to apply for credit thus harming my ability to financial freedom and progress. When i submitted the complaint i specifically asked XXXX to be retrieved or removed but they ignored my question as if they read something compltely diffferent than the issue i filed for. Saying that if i wanted to apply for a freezei can do so with proper id.? They are ignorin ng me and continuing harm my health and freedom. I will be looking into civil rights violations for that

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 2020-07-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020 I requested a Mortgage Forbearance for my loan being serviced by Specialized Loan Servicing. I was approved for the forbearance for XXXX, XXXX and XXXX. Per the conversation I had with the customer service rep, I was to go online at the end of XXXX and request and extension to the forbearance if was needed. 

On XX/XX/XXXX I requested at forbearance extension. 

On XX/XX/XXXX I received a letter saying that my request made on the phone on XX/XX/XXXX for a loan modification was approved and my missed payments for XXXX and XXXX would be added to the end of my loan. I NEVER REQUESTED A LOAN MODIFICATION LET ALONE APPROVED ONE.

I have since called Specialized Loan Servicing every week asking for them to reverse the loan modification and process the extension. 

Every time I called they acknowledged that I never made the request for a modification, that this " was very odd '' and they would escalate to their supervisor. 

After the forth time my call was no longer being answered by SLS, but was now being forwarded to Bankruptcy Specialists because my loan was now in default. EVEN THOUGH MY ORIGINAL FORBEARANCE AGREEMENT INCLUDED XXXX. 

Additionally I have now requested my original loan forbearance agreement 3 times. Each time they promise that it's being sent by mail and I have never received it. What are they hiding? 

After my 7th call, now speaking with Bankruptcy specialists I was finally told that the investors in my loan were not accepting additional forbearance extensions. 

Today, XX/XX/XXXX I was told that my loan 's investors were XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I attempted to call XXXX XXXX XXXX, but they had no record of my loan. I could not find any contact information for XXXX XXXX XXXX XXXX to contact them. 

I feel this is explicit Mortgage Fraud. I never agreed or requested a Loan Modification and I certainly would not have agreed to anything that would have taken me out of forbearance a month early. I believe they are trying to make me default on the loan purposely.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXXXXXX XXXX XXXX  was deleted but still remains on my credit file. It was investigated and removed.

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