BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
RE : XXXX XXXX XXXX XXXX Bank of America loan # XXXX. Original mortgage XX/XX/XXXX for {$370000.00} w current principal balance {$300000.00} & Payment Deferral Agreement balance of {$43000.00} modified XX/XX/XXXX. 

On XX/XX/XXXX I was notified by XXXX that Bank of America reported change to my account : " Major Derogatory Account '' modified " Not under a Federal Government Plan ''. My loan is in fact a XXXX XXXX loan and I recently exited a authorized Forberance Plan approved by Bank of America. Please see " Congratulations on successfully completing loan modification agreement dated XX/XX/XXXX. Also find B of A Account Details as of XX/XX/XXXX showing account is current with no past due balance or fees owing, next payment due XX/XX/XXXX. I contacted Bank of America Credit Reporting Department on XX/XX/XXXX requesting they review this negative change to my credit report. B of A agreed to review opening a Case File # 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 2023-10-03
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am not able to log in to my venmo account to access my funds Even though all of my passwords and account information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( ELAN CACS CC 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 2023-03-15
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed on XX/XX/2023. Reached out to the finance company Hondafinance, to make payment and put my account up to date. I had to wait for about 5 business days, for them to review my case. Once I manage to talk to my case worker, about making payments. I had to wait for an additional 4 days, for them to approve my case and tell me how much I have to pay. To get my vehicle back. Once I finally got an answer on the XXXX of XXXX, on how to go about making a payment. And told I have until XX/XX/XXXX, which is the official sale date. I immediately made payment on the XXXX of XXXX. Called with my payment confirmation, was given the info on where to pickup the vehicle. Once I called to setup an appointment to pickup the vehicle, I was told that it was already picked up and sent to auction. Keep in mind that the legal sale date was not until the XXXX. 

To keep long story short. My payments are now up to date, and I still don't have the vehicle. I call every single day and no one can give me a definite update. On top of that I'm being charged storage fee per day, and to transport the vehicle from auction site back to my hands. 

I believe this is an abuse. Today is the XXXX the XXXX. Still no answer, no one can get the vehicle to me. I'm spending {$150.00} daily for transportation for my family and to get to and from work. They are not helping are covering any damages. Please help, the car should be back in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I opened a checking account as representative payee for my XXXX  and XXXX brother, to manage his social security XXXX payments. I worked with a local client relationship consultant to open the account. Five days later I traveled out of town to spend time caring for my brother, who lives in a different state. 

Upon returning to my home, on XX/XX/XXXX, I opened the mail that I had received. One of the mail pieces was from US Bank, dated XXXX XXXX, informing me that my credit card was declined due to missing signature consent. I called the customer service number listed in the letter and was told that the credit card had been applied for directly from the branch where I opened the account, and that it was applied for with the assistance of the banker. I did not apply for this account. I was advised to call the branch office. 

On XX/XX/XXXX, I called the bank manager for the first time. He stated that he opened an internal investigation. Once I filed a police report, I received another call from the bank manager, stating that he completed an internal form for investigation. I still do not know if there was a hard hit to my own social security number/credit, or to my brother 's social security number/credit bureaus, as the bank manager has not told me that. I have been forced to close my account and re-direct social security funds, and have had to freeze credit with at all bureaus for both me and my brother. US Bank refuses to acknowledge their part in the chaos that they have caused in my life. They need to be held accountable for their actions, and both me and my brother deserve an apology. A company doesn't " accidentally '' apply for a credit card when opening checking accounts .... Others need to be aware when opening checking accounts through this bank that this can happen.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and saw multiple accounts reporting that I do not recognize. This is hindering my life and needs to be removed from my consumer 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, XXXX, and TransUnion to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. 

As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXXXXXX XXXX XXXX failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX XXXX  untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. 

In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. 

I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.

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 2017-10-17
Company: Experian Information Solutions 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:
I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXXXXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( 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
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to bring to your attention some inconsistencies that I have identified in my personal credit report. These inaccuracies have a significant impact on my financial standing, particularly my chances of owning a home. While I understand that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. The other bureaus have already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I would like to draw your attention to the following errors 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX notXXXXXXXX. XXXX credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.

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 2023-03-16
Company: JPMORGAN CHASE & CO.
State: GA
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: MO
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I received a copy of credit report from Experian and I found inaccuracy on my personal information. My last name was spelt wrongly as XXXX XXXX XXXX instead of XXXX XXXX which is correct spelling. I want that XXXX XXXX to be remove from my credit report to avoid identity theft. And I also noticed there is still couple of addresses on my credit report that did have apartment number or wrong number and they needed to be corrected or removed. They are XXXX XXXX XXXX, XXXX, Ga XXXX address ID # XXXX, address ID # XXXX, address ID # XXXX is should be XXXX instead of XXXX only, address ID # XXXX, these are addresses that needed to be updated or removed from my credit report as soon as possible. In fact correct addresses are ID # XXXX current, ID # XXXX and ID # XXXX both previous. 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 non-monetary relief
Consumer complaint received 2022-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
USAA told me if I pay the amount I own for {$23.00} I could open up a new one they said its paid but they say cause cfpb thats y I cant open a new one cuz to you guys its looking unpaid but I paid it this my Id XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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 ACCOUNTS/INQUIRES LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND TO FILL OUT MUTIPLE APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NV
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:
I have sent in multiple disputes, letters on letters stating the issue with my credit profile was been dealing with its very over whelming I'm either getting verified, updated or I get no response. Went to XXXX police department expressing the fraud that's on my account they couldn't help either I didn't apply for any accounts there fraud I'm asking can you delete the fraud accounts on my 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 2022-01-12
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My family went into a Covid 19 forbearance with Freedom Mortgage. It was supposed to end on XXXX XXXX. I called in XXXX to get information on refinancing options and she wanted to review them. At the time I was not available to dicuss the options. Since XX/XX/XXXX there was no communication until XXXX XXXX. I received a letter dated for XXXX XXXX that stated we were in default for {$46000.00} with a {$15.00} fee a and {$2.00} Less amount in Suspense. I then called to ask why I was'nt notified when we will be coming out of forbearance and why was not I given any options on how to exit. She stated they don't have to that is not how forbearance works and they were waiting on me to call them. Now i have to do it manually and it will take up to 30 days in the meantime they will report to the default to the bureaus. This mortgage company is going to use this tactic to force families into foreclosure. You have to catch it before people loose their homes.

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