BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Was in auto pay program with XXXX XXXX XXXX. The autopay was set up and schedule to be paid on 30 of every month.. XXXX did and always had there money on the 30th.  The problem lies with Bank of America not removing the funds in till days later when myself and wife think its already bern removed.. Month after month BofA did this on my account which should not be permitted..

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 2022-01-10
Company: BTH Management
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted on XX/XX/2022 by XXXX a third party collector for Plaza Services. Plaza services is the current owner of the debt. My original creditor was XXXX XXXX. I was told by XXXX  that when I pay the debt they will notify Plaza who will then notify XXXX to update the tradeline as paid. Due to this agreement that XXXX was sure would happen I set up the payment arrangement and made my first payment of {$300.00}. I spoke to a rep from XXXX on XX/XX/2022, who contacted me from phone number XXXX, who stated that even though I pay Plaza they will not update my tradeline. I also spoke to all three credit bureaus who also advised me that XXXX is not obligated to update my tradeline. I reached out to XXXX  and relayed this information to them and they stated that I was lying because this is what she tells all her customers. The agent from XXXX asked that I pick one of the credit bureaus and call while she was on the line because she wanted to hear this information from the credit bureau herself. I reached out to XXXX while she was on the line and XXXX confirmed that the information that XXXX relayed is correct and they do not have to update their tradeline. Now that it has been confirmed that the information XXXX has given as a means of collection under false pretenses, I am asking that they return the money that I have already paid and to discharge the debt because I was not given correct information during the collection process. The agent proceeded to threaten me by stating well how about we go ahead and have Plaza add their tradeline to your credit so you can get double dinged and then we can mark that tradeline as paid. Which she stated that she was not being malicious or threatening, however, she knows that would scare me into thinking they will harm me further if I do not think it is fair to pay after they gave me false information. XXXX used incorrect collection practices and they need to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Stearns Ventures, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I am currently in a real estate transaction for which my lender is required to verify my past two years of employment which included Stearns Lending. This request was initially submitted to Stearns Lending on X/X/18 by my current lender. Their request has been ignored and I personally have attempted to contact via telephone and email the company, however ; my calls have not been returned nor have I received an email response. 
The lack of receiving the Verification of Employment is holding up the close of escrow, and thereby costing me 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 explanation
Consumer complaint received 2018-01-16
Company: Dovenmuehle Mortgage, Inc.
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage XXXX IncXXXX is my new Mortgage Servicer for XXXX XXXX XXXX. Dovenmuehle Mortgage paid a Homeowners Insurance premium to XXXX XXXX XXXX  without my consent, and by doing so it has left my escrow account with a negative balance. XXXX XXXX has stated to Dovenmuehle per XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX 's ) They would not be refunding the amount paid XXXX XXXX XXXX to them by Dovenmuehle. Identity Fraud and Identity Theft has been committed in this procedure I did not authorize Dovenmuehle to pay XXXX. I changed Homeowners Insurance on XX/XX/2018, to XXXX XXXX. My monthly coverage with XXXX was covered thru XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2019 one morning i receive a call from capital one, and i call back and only answer the give me was your account is closed, i ask why they said because of activity on this or another account that is not consistent with our expectation for you account usage and violation of the capital one consumer agreement. and no more explanation. till today i have no idea why and that hurt my credit score because is one of my oldest account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I am filing a complaint against Comenity CapitalXXXX XXXX due to incorrect reporting on my credit report. I opened an account in store with this creditor in XX/XX/XXXX. I made my first payment on XX/XX/XXXX with my checking acct but due to previous fraud issues with my bank, XXXX returned the payment. During the dispute process with the credit bureau agencies, I provided a copy of the bank statement showing where the payment was made and I also called the creditor and explained what happened but my concerns were disregarded and I was told that there was nothing that they could do. However, the late fee of {$29.00} was waived on XX/XX/XXXX, XXXX.I disputed the account as incorrect reporting information a total of 2 times, first time the result came back as {$3.00} past due as of XX/XX/XXXX ; second time the results came back as being updated as another 30 days past due ( XX/XX/XXXX ) which is incorrect. How am I past due for XX/XX/XXXX when my bill is not due until XX/XX/XXXX? Upon finding out these results, I contacted the creditor on XX/XX/XXXX only for my concerns to be disregarded a second time and was told they are not showing that the acct is past due for XXXX and that my account would be notated. I am in the process of purchasing my first home and this is hindering me from being able to do so. I am asking that the creditor would update and furnish the credit reporting agencies with the correct reporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It is my understanding according to the " Dispute '' rights in the terms and conditions of my XXXX XXXX XXXX that " all '' disputed charges will be credited until resolution has been reached. 

I believe following my initial request on XXXX via the XXXXXXXX XXXX website email which was for my account to be " Closed immediately '', that I should have immediately received a hard copy of my final " bill/statement '' for this account within approximately 30 days. I DID NOT receive a final " bill/statement '' and have not to date. XXXX XXXX continues to ignore fault while also continuing to add late charges and interest to the amount ( s ) in dispute. 

I feel like XXXX XXXX is " muscling '' me and trying to bulldoze me into paying for their mistakes and improper procedures. I seek your assistance in the resolution of this debate. 

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 2022-01-10
Company: EQUIFAX, 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 am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ABR Recovery Services LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
they keep saying its verified i do n't owe this company i have no contract with them

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 2018-01-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
LETTER DATED XX/XX/XXXX ( I RECEIVED THE LETTER XX/XX/XXXX ) ADVISING THAT MY CREDIT CARD HAD BEEN TERMINATED. WITH NO REASON WHY??? THE ACCOUNT WAS CURRENT, PAYMENTS UPTO DATE, A VERY SMALL BALANCE. 
THE CREDIT CARD HAD A REWARDS BALANCE OF OVER XXXX POINTS WHICH IS EQUIVALENT TO {$1500.00} WHICH HSBC HAVE REVERTED BACK TO XXXX. 
I HAVE TRIED SO MANY WAYS TO OBTAIN WHY THIS HAPPENED, HSBC HAVE MOVED ME AROUND SENDING ME TO THE LOCAL BRANCH WHO WOULD NOT FIND OUT OR EVEN KNOW WHAT TO DO. I HAVE TRIED TO CALL THE CORPORATE OFFICE, NO ANSWER. THEY HAVE TOTALLY MADE ME FEEL ABUSED, DISCRIMINATED AGAINST LIKE HAVE DONE SOMETHING WRONG. NOT ABLE TO FIND OUT IF THE BANK HAS BEEN GIVEN SOME WRONG INFORMATION, AND WHY THEY WOULD DO SUCH A THING. 
I NEED HELP TO FIND OUT HOW AND WHY A BANK WOULD BE ALLOWED TO DO SUCH A THING WITH NO EXPLANATION. 
LOOK FORWARD TO HEARING FROM YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIAN is volating my consumer rights. Experian responded to my CFPB compliant stating the following 1 of the disputed accounts reflects current/never-late status, and another disputed account displays no late payment history, as indicated by consumer. 2 disputed accounts do not appear on consumer 's report. this was from complaint ID XXXX Experian has stated they are looking into my reports while completely contradicting their own statement. This complaint will show proof that Experian will say and do anything while attempting to confuse and deceive consumers. 

I received a letter dated on XX/XX/2019 that was sent to me as an answer to this very complaint ID listed above. 

In THIS LETTER that I have attached to this complaint is showing accounts that Experian has said previously that was either removed or reporting as no late payments/paying as agreed. 

I sent another letter dispute to Experian and in THIS LETTER, Experian states that they WILL NOT investigate my reports. 

Experian claims that my reports are verified, per the FCRA I have a right to request the details of what Experian found in their investigation Experian WILL NOT provide investigation details, and wants me to conduct my OWN investigation giving Experian information instead of Experian providing me with requesting documents to prove accounts. 

At this point Experian is showing major violations within FCRA guidelines. 

1. Will not conduct a proper investigation.

2. Will not provide proof of any investigation. 
- verified does not show proof. ( Who/what verified? ) 3. Experian said accounts DO NOT appear on my credit report to do an investigation. ( Accounts ARE on reports- their own letter shows these accounts. ) 4. Experian has taken more than 30 even 45 days to conduct an actual investigation Pursuant to Section 611 ( a ) ( 1 ) of the FCRA.

Experian has VIOLATED my rights. I will also be sending this complaint to the Texas State Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with SYNCB/CARECR. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and SYNCB/CARECR with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have learned that TransUnion gave out my credit information fraudulently in response to two " hard '' credit inquiries, to an entity called " XXXX via XXXX XXXX, '' on XX/XX/2020 and XX/XX/2020. I do not know who or what this entity is. I have never dealt with it. I have never authorized anyone to give this entity. I have attempted to get TransUnion to remove these inquiries from my credit report via its website, but the TransUnion website doesn't permit anyone to contest false and fraudulent credit inquiries online When I tried to get TransUnion to remove these inquiries via their on-line chat, I was told I had to file a complaint with the police first and mail ( via U.S. mail , no online equivalent ) a police report first. That's ridiculous and contrary to law ; it's THEIR burden ( TransUnion 's ) to prove that they were authorized by me to respond to the credit inquiry. I have attempted to file a complaint with the FTC online but it directed me here.

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 2022-01-10
Company: EQUIFAX, INC.
State: MA
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 previously filed a complaint with the CFPB for Equifax, because I sent the company a notice stating that I never authorized any of the accounts on my credit file and demanded that these account be removed. Even after submitting the complaint to the CFPB and mailed a affidavit, Equifax is still reporting a company that I never authorized. This is humiliating me and causing me a lot of mental anguishing to have these accounts removed. This is a clear violation of the Fair Credit Reporting Act and I do not know why the Equifax is not removing these accounts when I am the consumer. I Have submitted another affidavit demanding the removal of these accounts and I am filing another complaint so this can be resolved as soon as possible. I am in the process of looking for a apartment and this is making my whole situation harder. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Account status incorrect

Complaint:
XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. Experian, XXXX, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.

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 2018-01-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Requested validation of debt from credit reporting agency on tax lien by Recorder of Deeds. Received letter back from Equifax stating " satisfied/released ''. But was not removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: NJ
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 2021-03-09
Company: EQUIFAX, INC.
State: WA
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 XX/XX/21 I got an alert that someone had run a hard inquiry on my credit which I never authorized or have an idea of the person this report showed up on my Equifax credit report as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: ID Analytics, Inc.
State: WA
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:
On XX/XX/XXXX I applied for a XXXX credit card that was " preapproved '' and was denied by XXXX, a company I 've never heard of. I was told my credit score was XXXX which is preposterous. The reasons given were ; # 1.Distance between prior  residences ( I 've lived in a 6 mile radius for the last 17 years with 3 moves ) # 2 Length  of residence too short ( It will be 8 years in XX/XX/XXXX I 've lived at my present address ) # 3 Inquiries did not adversely affect score (? ) # 4 Invalid or missing information ( Original application with XXXX was filled out completely and correctly ) # 5 Risk associated with address history ( again,? ) In reading reviews/comments about XXXX I see now why this is. I tried on several occasions to contact this company only to get no answer during business hours, or to have to leave a message to which I received no response. The last message I left was today at XXXX. I called at XXXX PST and the phone just rang untill I finally hung up. I also find it interesting how on previous complaints about this company they choose to not publish their response.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: NJ
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 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