BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: AXOS FINANCIAL, INC.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Axos Bank failed to secure my account and allowed access from an unauthorized third party. 

On XX/XX/XXXX, there was a login with username to the Axos Account on XXXX XXXX using browser XXXX  at IP address XXXX XXXX. This was allowed without the XXXX  or proper authorization. The unauthorized login was able to access my account XXXX during the week of XX/XX/XXXX. An unauthorized user linked a XXXX XXXX account ending in XXXX on XX/XX/2022 at XXXX EDT, and was able to make two separate external transfers, and two internal transfers, totaling {$12000.00} in losses. 

I did not access my Axos account on the days above, nor did I allow anyone to access my account. I have 2-factor authentication on my login, which requires a one-time password sent via text to my cell phone. I did not receive any text from Axos on those days. Additionally, I have my account set to email me for any transfers and was not notified of any activity on these days. 

On XX/XX/2022, I accessed my account using my XXXX  app with the IP address XXXX, followed by login using XXXX XXXX XXXX XXXX  on XXXX XXXX and reset my password. 
I have reported this case as criminal theft and identity theft. Please see the attached police reports, XXXX filing and letter of dispute. I would like to resolve this issue amicably, please reach out to me at the phone number or email on file for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: SC
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 sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EQUIFAX IS REPORTING ACCOUNTS THAT I DID NOT GIVE THEM PERMISSION TO REPORT, THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15 U.S.C. CODE 1681b - PERMISSABLE PURPOSES OF CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MN
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 the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore XXXX, XXXX, and Experian are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to Experian, XXXX, or XXXX to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.

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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In in XXXX & XX/XX/2021, due to loss of employment due to the pandemic, I was over 60 days late in XXXX & XX/XX/2021 with my payments to Capital One Bank USA, N.A. for the XXXX account ending XXXX ; I was 30 days late in XX/XX/2021 to the XXXX account ending XXXX. 

I have sent 4 letters to XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX of XXXX XXXX asking for removal of the late payments from my credit reports ; The accounts have since been brought current. 

I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to by 3 credit bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In regards to my Bank of America debt owed # XXXX with a balance of {$3800.00}, I have been trying to settle this account for some time now. I have been paying a small monthly payment over the past year to slowly pay on this account but now that I am trying to purchase a new home, I need to settle the remaining balance. My credit shows that I owe the {$4800.00} amount but I have made just over {$1000.00} in payments so i know this amount on credit is inaccurate. When trying to discuss the a settlement agreement, they state that the file is has " not been marked for settlement '' at this time and I would need to pay the full amount owed. They quote an amount that includes the monies that I have already paid thus trying to make me pay more than that is owed. This has to be illegal.

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 2019-12-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Okay so I wrote you all about 3 weeks ago and Equifax deleted my file. I thought it was taken care of but when I went to pull my credit report Equifax has still not put all my positive credit back onto my file, It is affecting me from getting new credit and a mortgage. Do I have to file a law suit? Only thing showing on my account is two accounts that were deleted after I disputed it. they put it back on there and I never requested a fraud alert and they extended out to the other bureaus which I recently had removed XXXX XXXX and XXXX. What is it that I need to do to get this resolved hire an attorney? So what appears to be happening is that they are disputing on my behalf and its affecting my credit score. I am not asking for a dispute I am asking them to put back all my positive credit they removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2021, my auto loan was assigned to Chase Auto from XXXX XXXX XXXX. 
I became delienquent within the first 3 months because of financial hardship with covid & deceptive practices during the origination of the loan. 
I never received any information on my credit score or how my credit was ran or used.

I reached out to Chase Auto to try to adjust my payment plan or come up with a solution to avoid late charges and get current. 
I spent countless hours trying to seek a solution and the only answer I ever got was to make payment for forfeit the vehicle. 

Towards the end of the loan I was being threatened that if I missed 1 more payment, the vehicle would be repossessed. 

I ended up having to sell vehicle, but the entire loan origination, and management of the loan were predatory, as I am reviewing statements, none of the numbers are adding up, I was being double charged on late fees, or random fees, making it impossible to stay on top of monthly payments. 

After they received the loan payoff, Chase auto then took another XXXX $ out of my refund to pay for some random fee. 
The loan payoff was supposed to cover all remaining fees left to the account debited to the buyer. 

Chase Auto has done nothing but set me up to fail, and collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: D&A Services, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Thursday, XX/XX/XXXX my son received a call, on HIS cell phone, from D & A Collection Services. They asked for my son and then stated they needed to speak to me. My son asked who they were and they refused to give any of their information. Only saying it was regarding a debt I owed. I had NOT received ANY written or oral communication from this company at this time. I still have NO clue what debt they claim I owe. In XXXX this company called my cell phone was very rude and demanded to speak to me FYI Could not even say my last name and only has a part of my info. They stated they needed information from me regarding a debt. I asked what debt and this is where things turned even more nasty. We ended in a screaming match and me informing them to NOT contact me OR anyone on my behalf again. If they would like to address a debt they should follow the rules and send a letter. On XX/XX/XXXX @ XXXX XXXX I received a terrible call from some very rude person from this company. The phone call immediately deteriorated into a screaming match with this guy taunting me. I did contact an attorney after the call to my son and that was where I learned of the scrub lists. This man was out of line rude yelling taunting me over my birthday. He kept screaming he sent me letters. They never have, I even checked the USPS delivery notifications to see if maybe it got lost before it got to my home. IT was NEVER sent to me. They were told NOT to call me or anyone else again. SEND A LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts on my report. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 


XXXX XXXX XXXX Account number - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXAccount number - XXXX XX/XX/XXXX XXXX XXXX Account number - XXXX XX/XX/XXXX 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 handwritten instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was under originated under a another company. current loan Loan Care took loan on XXXX. Loan Care is saying that i own a payment for XXXX which was paid to previous mortgage company. Loan Care has reported to my credit that i am over 30 days late which I am not and will not fix the problem. I have sent multiple documents including bank statement to prove that payment was made.

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 2019-07-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred by XXXX to Loan Care on XX/XX/2019. Loan Care is  supposed to be automatically debit my bank account {$1700.00} for my monthly payments. I was double-debited in XX/XX/2019 and have been trying to get my {$1700.00} double payment refunded. Details of my communication with Loan Care are shown below. 
XX/XX/2019 - My account was debited {$1700.00} for my XXXX monthly payment. 
XX/XX/2019 - My account was debited again for {$1700.00}. This was a double-payment for XX/XX/2019. 
XX/XX/2019 - Sent an email to paymentresearch@myloancare.com to report the double debit payment and request a refund of the XX/XX/XXXX payment of {$1700.00}. 
XX/XX/2019 - My account was debited {$1700.00} for my XXXX payment instead of the XXXX of the month as scheduled with Loan Care. 
XX/XX/2019 - Called Loan Care Customer Support and talked to XXXX to ask why my account was debited on XX/XX/XXXX instead of XX/XX/XXXX as scheduled. She said that my next payments will now be auto-debited from my bank account on the XXXX of every month. She also sent a request to process my XX/XX/XXXX {$1700.00} payment refund and asked me to resend my old XX/XX/2019 email to paymentresearch@myloancare.com. I copy-furnished the email to customersupport@myloancare.com. I was told to wait 5 days for the refund. 
XX/XX/2019 - Called Loan care Customer Support and talked to XXXX to follow up on the XX/XX/XXXX {$1700.00} refund. XXXX advised to follow-up after 2 weeks.

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 2021-01-27
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having problems with Flagstar Bank promptly crediting my mortgage payments since XX/XX/XXXX. Flagstar Bank has been servicing my loan since XX/XX/XXXX. I use XXXX  XXXX XXXX Bill Pay to make my mortgage payments each month. 

I suspect that Flagstar Bank has recently adopted polices which create situations where customers incur late fees, namely ; 1 ) Flagstar does not accept ACH mortgage payments from other banks, 2 ) Flagstar is deliberately slow in processing payments by US mail, 3 ) Flagstar actively markets its MyLoan servce ( when your payments have incurred late fees ), 4 ) Then Flagstar acts like they are doing you a favor ( when you ask to have the late fee reversed ; which they caused by not accepting ACH payments and/or are slow processing US mail payments ).

5 ) Flagstar staff often blame the US mail for not receving the payments on time.

My bank records show my mortgage payments were sent to Flagstar on the following dates : XX/XX/XXXX Bill Pay debited my account on XXXX - Flagstar credited on XXXX ( all is well ) *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XX/XX/XXXX ( late fee accessed & reversed - Oh XXXX Flagstar! ), *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XX/XX/XXXX ( just in time to trigger a late fee after the XXXX - late fee accessed & reversed ; Flagstar did not credit for 7 days ), XX/XX/XXXX Flagstar MyLoan debited my account on XXXX - Flagstar credited on XXXX, XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XXXX, XX/XX/XXXX Bill Pay debited my account on XXXX - Flagstar credited on XX/XX/XXXX ; ( Flagstar did not credit for 6 days ), *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar did not credit until XX/XX/XXXX ; ( Flagstar did not Credit for 6 days ) btw - just in time to trigger another late fee BUT I also made a MyLoan payment on XX/XX/XXXX. 
*XX/XX/XXXX Flagstar debited my account on XX/XX/XXXX - BUT NOW all of a sudden Flagstar credits on XX/XX/XXXX! 

I guess I should be happy that Flagstar credits my payments a day early if I use their service. I guess Flagstar can afford it if they don't promptly credit on other bank Bill Pay/US mail payments 6-7 extra days!

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 2023-09-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE
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:
In accordance with the fair credit reporting act, this creditor has violated my rights! I have the right to privacy! The consumer reporting agency can not furnish an account without my written instructions! A creditor may not treat a payment on an account under an open and consumer plan as late for any purpose! 

Carrington Mortgage : XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ALL for the amount of approximately {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: LA
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 sent a letter on XX/XX/2022 asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
In accordance with the Fair Credit Reporting act XXXX  Accounts 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, 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 According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, Penn Credit Corporation reported {$2400.00} in collections to my credit reports for XXXX XXXX XXXX XXXX which resulted in an XXXX Point Decrease/Damage to my credit score. I called XXXX XXXX since I pay them directly for the birth of my daughter and they told me that my account was NOT with Penn Credit! I never received a phone call or mail from Penn Credit -- I was never contacted by them. I then disputed this with XXXX and Penn Credit but it did not change a thing! I want this derogatory collections off of my credit reports and my credit score reinstated! I will not pay Penn Credit anything since I pay XXXX XXXX XXXX XXXX for my debt! Thank you for your help! XXXX 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Dear CFPB- Numerous disputes were filed with Transunion for the incorrect reporting of accounts XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX. Multiple disputes have been filed with Transunion and the information has come back verified as belonging to me. 

On XX/XX/23, Transunion sent an updated credit report to my residence with the wrong name listed on the credit report. The above referenced accounts were listed in the credit report as verified and belonging to XXXX XXXX. Unfortunately there is no one by the name of XXXX XXXX residing at my residence. 

We are asking for the alleged verified as accurately reporting and belonging to XXXX XXXX be removed from consumer profile and checks in the amount of XXXX per account and for the duration of how long these unverified accounts have been listed within my consumer profile be removed immediately. 

We expect this to be rectified within 15 days and the checks of {XXXX} each for violations of the FCRA be mailed accordingly. 

This has caused me great harm and has affected my ability to obtain credit at this time. 

Respectfully submitted, 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