BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report and I was shocked. I have been a victim of Identity Theft and I have found numerous accounts on my credit report that were open up by me. This has been hurting me big time as now I am in process of buying a home and this is hurting me where me and my family can't with this fraudulent info sitting on my credit reports. Please remove the fraudulent accounts from my accounts as soon as possible, this is very urgent.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
XX/XX/XXXX I returned a XXXX XXXX XXXX as instructed by XXXX. XXXX had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. XXXX still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, XXXX finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but XXXX continued to send me invoices each month. As you can see in the attached XXXX report the balance changed almost monthly for no apparent reason or without any clear itemization. 

Finally, XXXX claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask XXXX to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that XXXX had charged off {$2800.00} dollars. 

I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call. 

I ask XXXX to update the credit bureaus with the status of the account has been paid in full. XXXX agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off. 

This was a 3-year lease. Not a single payment was ever late. 

Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to XXXX they didn't seem to care. Thank you for any help you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My son, XXXX XXXX passed on XX/XX/1990. At the time of his passing his wallet with his id and social security card along with his phone went missing. 
He had several open cash app accounts at the time also. 
I have tried numerous times to contact CASHAPP to inform them of his death. 
The CashApp support team both through the app and phone service have not been able to resolve this. They are asking for information that I can not provide. They want me to reach through his CashApp which I can't do because his wallet and phone are missing. 
Due to him being deceased he can not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A business credit was opened under a corporation with Bank of America. I was the authorized representative of the company. 

The credit card was always paid on time until the pandemic. The business did not survive the pandemic and closed. 

Bank of America has been taking funds from my personal account which includes my reliefs payments from the pandemic. 

Bank of America has taken {$2200.00}, wiping out my bank account. 

According to Bank of America, there is a fine line in the business credit card agreement that states if the corporation is unable to pay the credit card for any reason, the authorized representative of the company would be held responsible and their personal funds would be used to offset the corporations debt. I have asked Bank of America multiple times for a copy of the agreement that was signed but they have been refusing to provide me with the signed agreement they continue to state allows them to deplete my personal account. 

In speaking to Bank of America, they have stated they will not be returning my funds and I find this misleading to consumers who agree to be authorized representatives on corporate accounts. In addition, I think that it is improper for Bank of America take this type of action against consumers during a global state of emergency.

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 2021-11-29
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I tried to withdraw {$5000.00} of my money on XX/XX/2021 from my Binance.US account to my bank account and I got a message that said " Withdraws Suspended Due To Risk Management. '' I have done absolutely nothing wrong for them to suspend my withdrawls. According to the website, withdraw suspensions are enabled usually when there has been a chargeback issue. I have had my account for several months and have never had any issue whatsoever. I had sent a support ticket immediately that same day and contacted support thru XXXX and have gotten one email back on XX/XX/2021 saying that they will forward my issue to the correct department, but no resolution. I was depending on this money to get me through the month and had no reason to believe it would be withheld from me. I have endured sleepless nights and am sick from stress wondering how long this can take. I need someone to help and no phone support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello in accordance to the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights per 15 USC 1681 to privacy and confidentiality, as well 15 USC 1681 b : Permissable purpose, 15 USC 1681 ( 5 ) Charge off violation.

I have requested that Transunion, XXXX and XXXX reinvestigate these accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX ) XXXX XXXX Acct # XXXX ( Reinserted onto credit file ) Yet they have stated that everything was accurate and complete. When it still reflects on my credit file the open date, date of last payment, date of last activity as well these account are reported as ( Chargeoff status ) And per FCRA a charge-off and charge-off should be accurately reported as such and all collections activity should cease once the account has been reported as a charge-off.

According to 15USC 1681 section 602 A : I have the right to privacy 15 USC 1681 section 604 A : A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) : NO consumer reporting agency may make any consumer report containing 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 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a 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 2018-02-12
Company: Ocwen Financial Corporation
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: Investigation took more than 30 days

Complaint:
I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however Ocwen did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from Ocwen and from XXXX to report the information correctly and I can't seem to get anything resolved. I really need your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/23, my wife and I made a purchase to Ashley Homestore in the amount of {$4300.00} and chose to finance through the Ashley - Synchrony Credit Card which the sales representative XXXX XXXX stated would provide a term of 60 months at a 0 % interest rate during that term with minimum required payments. The provided documents during purchase and financing indicated " fixed APR '' to which we protested and asked XXXX if the document was correct and he stated " Yes, this is just the general form we use for financing '' and told me if I had any concerns after the purchase to just call he store. 

After the first statement was received on XX/XX/23 it indicated an interest charge of {$33.00} and reflected an interest rate of 9.99 % " Until Paid Off ''. 

On XX/XX/23 I attempted to contact Synchrony Bank via online chat to inquire if I was receiving interest and why this was occurring and was directed to call the merchant directly. 

On XX/XX/23 at XXXX XXXX  I contacted Ashley Homestore and spoke with XXXX as to how to proceed and inquire why I was receiving interest. XXXX stated she would speak with her sales manager and would contact me later that date. No call was received on that date. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hold for 9 minutes before the call ended. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hold for 14 minutes before the call ended. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hole for 8 minutes before the call ended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
Company: Great American Finance Co
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collector who is the original creditors, has continued to report inaccurate information pertaining to this charge of account. The date of the my last payment for this account XX/XX/2014 and the remaining principal balance is {$440.00}, This should be the balance showing on the last statement from the lender. The same amount should also be shown on my credit report as the balance due for the delinquent account. creditor continued to add interest without providing a monthly statement or the original contract so that I may verify what that rate should be. the debt collector is claiming about 60 % more than the principal balance at the time of last payment. I am not able to verify what that rate is because the collector has not provided any statements, the state of Georgia max interest on a charge off account is 6 %. If the collector intends to add interest please provide statements reflecting such charges, and refrain from unfair debt collection practices. I have multiple copies of credit reports where the collector continues to charge the dates, amounts, status of charge off,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have home owners insurance for many years, XXXX XXXX. 

Shellpoint Mortgage has charged me a fee every month, Lender Placed Hazard Disbursement for not having insurance. This has happened since XXXX. I have called them over fifty times. They keep me waiting on the phone for over an hour and then say they will change it but they never do. I also had my insurance company call them many times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The mortgage company that I am dealing with is Specialized Loan Servicing ( SLS ). I am trying to have my home appraised because I believe that it is eligible to have the PMI removed. I faxed over Authorization for Internal Valuation on XX/XX/XXXX. I waited around 3 weeks or so and still didnt receive any phone call/email/mail from SLS regarding the form I faxed over. I called and spoke with a representative and was told that they did receive the fax and that someone would contact me to set up an appraisal. I wait a few more weeks and never hear back from anyone regarding the matter. Over the next few weeks I spoke with multiple representatives who couldnt resolve the issue. I spoke with XXXX on XX/XX/XXXX and was told that someone tried to contact me on XXXX but was unable to contact me and that she would escalate the matter and I should follow up on Friday XX/XX/XXXX. I never received any missed calls or voicemails from anyone on that XXXX. I asked if I could get a contact number to the company that would do the appraisal but I was told that they couldnt do that and that I should keep my phone on me and have the ringer on loud in case that they call. I call and spoke with a representative on XX/XX/XXXX to follow up and they dont have any new information that they can provide me with so I voiced my frustrations and was told that I would receive a supervisor call on Tuesday. I did receive a supervisor call from XXXX on Tuesday XX/XX/XXXX and was told that he would reach out to the company and hopefully they would contact me within 24 hours and that he would follow up the following day. I never received any phone call from an appraiser or the supervisor. I tried calling SLS to follow up again today, Thursday XX/XX/XXXX, and cant get in contact with any representative because of technical difficulties. The representatives were all nice, but nobody could resolve the issue and most of them would tell me to follow up in a few days or the next week. It has been 7 weeks since Ive first sent the form to initiate the evaluation of whether or not I can remove the PMI on my home and nothing has been done. SLS is a joke of a company and I cant believe how inefficiently their processes are. I shouldnt have to waste so much of my time trying to get a hold of a representative who cant even resolve a simple issue. Im honestly considering refinancing with a new company so that I dont have to deal with this incompetence. There is no accountability with this company and this has been an extremely frustrating experience. I 100 % would NOT recommend anyone to use this company to finance their 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 2023-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Had a problem where XXXX withdraw XXXX from my account without my authorization on XX/XX/XXXX bank would not let me dispute it until XX/XX/XXXX I haven't did business with XXXX since XXXX the bank told me it was auto withdraw but I my since XXXX my account has been close since then and I revoke my auto setup on XX/XX/XXXX the bank denied my dispute on XX/XX/XXXX they resubmit it saying the original dispute was put in wrong they won't even give me a temporary credit while they investigate the issue I feel like they are not protecting my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
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

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