BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
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: Account information incorrect

Complaint:
Bank of America reported to the credit bureaus that I missed a payment on my auto loan. My credit score went down. I contacted Bank of America and they confirmed that I did not have any missed payments. I asked them to dispute the credit report and they took 30 days to respond back and say that the investigation is completed and we reviewed your payment history and agree you have not missed any payments. But they failed to resolve the credit reporting issue. I fought to try to get Bank of America to resolve this. I put in disputes with all three credit reports and Bank of America refused to resolve the credit reporting. I sent a demand letter. Finally Bank of America responded but my credit score is still effected by this XXXX  up. Bank of America still has not fixed this issue and they have violated the fair credit reporting act. I demand resolution.

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 2023-03-22
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 submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$5400.00}

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 2023-01-31
Company: Experian Information Solutions Inc.
State: DC
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:
Reporting scores as low average which is wrong because all my bills are paid on time which is making me be denied credit consolidation loans. Also loan interest is triple the loan amounts.

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 2022-02-26
Company: EQUIFAX, INC.
State: SC
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late Close XXXX XXXX XXXX  XXXX {$0.00} Charge Off XXXX XXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX I, XXXX XXXX {$1400.00} XXXX  XXXX {$520.00} XXXX  XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: BlueChip Financial
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX  ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: GA
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 XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$750.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage sent me a letter in XX/XX/2019, stating that the mailing address on my mortgage account had mistakenly been set to the property on which I have the mortgage. Without my input, AmeriHome had corrected the address to my correct contact address - so there is no question that they knew what it was. 

Upon receiving the letter, I sent an email to AmeriHome on XX/XX/2019, asking them to confirm that I was correct in understanding they had been sending printouts of my personal mortgage statement to someone other than me ( in this case, to my tenant ), and they finally responded on XX/XX/2019 with a non-committal confirmation that their records reflect [ my correct mailing address ]. 

AmeriHome sent personal mortgage statements to someone who did not have a right to have them for 6+ months due to a " system error '', and then displayed an inability and/or unwillingness to properly respond to a consumer inquiry in a timely or honest manner. I believe that AmeriHome is demonstrating a lack of robust privacy controls and may need to be audited/fined/controlled by a federal agency. 

As a side note, which is minor but lends itself to problems with AmeriHome systems - when I first tried to sign up for online access to my account, I appeared to have done so without issue. But I was unable to login, despite repeated attempts at reentering my user name and trying to change my password. I finally called AmeriHome, and learned that the system only allows 15 characters in a user name, so it automatically cut off the last 2 letters WITHOUT informing me. This is another incident pointing to improper systems at AmeriHome mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried for the past two weeks to obtain the necessary paperwork to submit for a 12-month forbearance of my mortgage. After the past year where I was virtually shut out of business related from the Covid-19 pandemic, and the fact that I was ill a very long time from my own case of Covid-19, as well as a major personal problem, I could not make mortgage payments for a very long time. That time has passed and I am now back to work full time. I respectfully request the necessary paperwork to submit on behalf of my past hardship, and make arrangements to start making mortgage payments again. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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: Investigation took more than 30 days

Complaint:
I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information 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 2019-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
These dates are incorrect. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX 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 2022-11-18
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, 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:
There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX  ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ohio XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, CXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$14000.00}, XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00}, 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 non-monetary relief
Consumer complaint received 2020-07-27
Company: Yamaha Motor Finance Corporation USA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Yamaha Motor Finance Corp reported me late to all three credit reporting agencies, XXXX, XXXX and XXXX  during the Pandemic. I was never 30 days late. I tried explaining this with Yamaha Motor Finance Corp SEVERAL times. They were very nasty, rude and wouldnt help me in any way. Not the way they should handle this situation, especially during the COVID crisis. Now my credit is ruined which I work very hard to maintain. It also caused one of my other credit cards interest rate to TRIPLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection company and they haven't deleted it with the credit bureaus. I was led to believe on the phone that when payment was received they would remove it from my credit report with the 3 reporting agencies. I have tried to dispute with the credit bureaus and the company but had no success. Please assist me in getting this removed from 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 2021-05-25
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C systems Inc report a fraudulent account to my credit report that doesnt belong to me. I asked this company to provide me a contract I signed and agreed to and also a copy of my identification and proof that they have the right person and they refused to. I never had services at XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I would like for consumer financial bureau to investigate this company for this fraudulent actions and fraudulent made up accounts. This company refused to contact XXXX on three way verification call because they know this account does not belong to me. I will get an attorney for them.if its not cleared out and removed from 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 2019-03-04
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a XXXX XXXX XXXX Mastercard rewards card through Synchrony Bank. They have had several issues with their rewards refund this year. I received several emails stating that my rewards would be available after I received the " blue letter '' in the mail. I received it and proceeded to my local XXXX XXXX XXXX to redeem the rewards on XX/XX/2019. I was notified at that time that my rewards were not available and to call Synchrony Bank. I called on the XX/XX/2019 and was notified at that time that there was an internal problem with their system and it would be resolved by the end of the month, but to call again to verify. I called on XX/XX/2019 to verify. The system is still broken, but they asked me what error I was getting when I tried to use the card. 

I explained to them that I simply went to the member service desk to have the reward applied as a payment on my XXXX XXXX XXXX Mastercard as it states I can do in the letter and I was told the funds are unavailable. The customer service agent then notified me that applying the funds to my Mastercard wasn't an option for me. He stated that was only for customer that didn't have a local XXXX XXXX XXXX. I reiterated that the directions for applying the refund to the card are on the letter they sent. He refused to acknowledge the information on the letter. The letter is attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Law Office of Linda Strumpf
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX is a debt collection attorney who has tried more than once to collect on a credit card that I have never used. I am on social security and each time I sent the exemption form toXX/XX/XXXXand the bank after my savings account was frozen. 
Previously the funds were released. This time after sending the form twice, there was a levy check issued against my account. I am XXXX, alone and have no other source of income. I need this money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Merchants Automotive Group LLC
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX have both sent me to collection agencies after I explained to them both I do not have the cards and are not using them. They need to do an investigation and look into my accounts that they have been taken without my knowledge. 

XXXX XXXX XXXX has reported to my credit, I willingly gave back my car after only 7 months of ownership and it stopped working and the warranty was not lived up to on there side. I could not afford to pay XXXX to fix a car thaty warranty covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am just getting harassed continuously everyday, I get called around 15 times a day from unknown numbers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2021, I filed a dispute with XXXX, Transunion and XXXX  about the inaccurate report of the account XXXX XXXX Account number XXXX, XXXX In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. 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