BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/XXXX Bank of America returned my XX/XX/XXXX payment. When I called them, they said the foreclosure process has been started because I have missed 7 payments. When I asked them why I wasn't notified they said the paperwork was returned undeliverable, I live at that property and I receive all other notifications from them. When I asked them what payments I missed, they realized that I only missed XX/XX/XXXX payment and that BofA did not process the payments correctly for XXXX or XXXX XXXX XXXXXXXX. In XXXX I paid {$920.00} they processed {$500.00} and for XXXX I paid {$920.00} and they processed {$0.00}. On XX/XX/XXXX I faxed the bank statements showing they money was deducted from my account and paid to BofA. On XX/XX/XXXX BofA said they needed the money control number from my bank to research the payment. On XX/XX/XXXX I called BofA and told them my bank was researching and it will take a few day to get the info. On XX/XX/XXXX I faxed to BofA the info from my bank. On XX/XX/XXXX I call BofA to see the status and found out they closed my case without researching or contacting me. I was told a new case was being opened and had to refax the paperwork again, I faxed it on XXXX. on XXXX I was told to refax the statements again along with the bill remittance page from my bank and Was to, d that BofA dropped the ball on this case. Faxed info on XXXX. On XX/XX/XXXX I was told they received everything and will be in contact. On XX/XX/XXXX was told to refax paperwork again. Faxed on XX/XX/XXXX. On XX/XX/XXXX was told paperwork is fuzzy and to refax a XXXX time. Faxed it on XX/XX/XXXX. On XX/XX/XXXX was told had to fax the paperwork again because they couldn't read my name on the paperwork. On XXXX was told the case was closed because they never received the paperwork when I manager investigated was told all the paperwork was there and received and was being investigated and another case was opened. As of today this issue is still not resolved. I don't know how foreclosure can be started for 1 missed payment and I was never notified. How can BofA claim that I missed 7 payments when I never did and how could they not process the payments correctly when it's been paid this way for 13 yrs??

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 2018-11-28
Company: EQUIFAX, INC.
State: NY
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:
This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
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:
XXXX XXXX XXXX XXXX MBA XXXX XXXX  XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer agency can not furnish a 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.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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.

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 2023-03-10
Company: EQUIFAX, INC.
State: VA
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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Advance Bureau of Collections
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 submitted a CFPB complaint on XX/XX/XXXX against Advance Bureau of Collections ( complaint id XXXX ) regarding a debt that had already been paid and them adding a collection account on my credit for this debt. Their response acknowledged this debt had been paid and they said they would remove the account from my credit. As of today XX/XX/XXXX, this account is still showing on my credit as a negative collection item. It is absolutely absurd that I am having to file a 2nd complaint to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Synchrony aka Paypal Credit changed its account terms without my or many other consumers ' awareness. I logged into my account to make a payment and noticed my due date had changed from the XXXX to the XXXX and I had a late fee of {$29.00}. After the fact, I became aware the new terms were disclosed on an earlier monthly statement I did not view. Granted an attempt was made to communicate the changes, but the results were poor in that many people were caught off guard and unaware of the changes. 

I resolved my concerns by immediately closing the Paypal Credit account and shortly afterward paying the balance in full. I consider Synchrony to be a predatory lender noticing repeated patterns in accounts they service and present for a variety of retailers. Fortunately, I am financially able to pay off and close the Synchrony accounts to protect my own interest. However, am very concerned for those who are stuck with these types of abuses. Attaching documentation to illustrate.

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 2022-01-11
Company: EQUIFAX, INC.
State: CA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: UT
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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Capital Accounts on XX/XX/2022, about a collection they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX XXXX XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. 

Re : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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 2023-03-10
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on XXXX about incorrect late payment reporting on my account for XXXX XXXX. They did not do an thorough investigation, as they responded within 6 hours just showing my payments online. They are disputing I was 60 days late on XXXX XXXX, On time payment for XXXX XXXX, 60 Days late for XXXX XXXX, 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX This is invalid data. On my XXXX report I am showing XXXX late payment for XXXX XXXX at 30 days late. This is the only correct late payment. I have reached out to their support team via email several times to rectify this and they have not responded. The email I am sending it to is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: NY
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 have fell victim to identity fraud I believe, this credit bureau is reporting information that I have never approved of nor applied for. Im not Sure where this information has come from and I've been told by my local law enforcement department to file an identity fraud complaint. This is my 3rd time doing so however for some reason Equifax will not respect the fact that I have fell victim to identity fraud. Please do something about this. 1. These inquiries were not authorized XXXX Equifax mortgages service XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No other bureau is reporting this bogus information as EQUIFAX is the only party who feels they are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Transferred {$3000.00} on XX/XX/XXXX online from XXXX checking account to CoinBase a Crypto Currency company based in XXXX XXXX, Ca. 
On XX/XX/XXXX or XX/XX/XXXX CoinBase sent me an email informing me there was suspicious activity on my account and my account would be frozen for 3 to 5 days. The next day I got an email from them informing me my account would be frozen for 30 days ( calendar days not business days ) I was told by the phone rep of Coin Base. 

I have called them about 5/6 times for clarification and their phone reps were unable to offer any information about why or for how long my account would be frozen I informed them on one of these phone calls I want to close out my account and to send me my money back They said my account was frozen and they can not give me my money back until it is unfrozen. 
Yesterday, XXXX XXXX I was able to talk to a CoinBase supervisor and he informed me that my account would be unfrozen on XXXX XXXX. HE said that the amount of time my account was frozen was totally wrong and he would do his best to rectify my problem. He said he should have an answer for me by close of business XX/XX/XXXX ( yesterday ) I contacted him by email today XX/XX/XXXX to inform him of his not rectifying the problem and have not heard back from him I feel CoinBase has been less than honest or fair with me in this problem and I would like to file a formal complaint against them Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: DISCOVER BANK
State: CA
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:
back in XXXX I paid off my discover card and asked to close my account however since XXXX was a able to keep my account open and then make about 4k in transactions and pay with the bank account that was on file with the card. however I told my bank not to allow any more transactions out of my bank to that company so they blocked ALL payments. I called discover to report this as soon as the first payment was attempted from my bank however they failed to close the account there were about 8 more failed payments and by the time discover shut down the card it was =dude to amount of failed payments. since then I was told by discover that they were going to give me a call back I sent several letters to the company however they failed to call me back or send me letters. I just found out that they placed a judgment against me in XXXX however they never notified me of court I was never served and to be honest this is crazy I don't know how they are able be operating in the usa1!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please be advised that these following items are Unauthorized Inquiries and are showing on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I already reached out to the Credit Bureaus but no changes has been made and these inquiries are hurting my credit.

Company response to consumer: Closed with explanation