BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting XXXX incorrect addresses on my credit report. Despite me continually verifying only one. This is a serious violation of my consumer rights that has caused damage to my personal life as well as buisness unable to verify my correct address.

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 2023-04-24
Company: The CBE Group, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received debt collection papers CS number XXXX for IRS in my name. Its says that it was accrued XX/XX/23. First this is not my balance, I was not working when this was filed. I have never filed as head of household, this balance be longs to my husband, some of which before we were married. It needs to be taken out of my name. Second the larger balance was not accrued this year it was accrued almost a decade ago, which is past 7 years and must be written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I requested a business address be used once for a certain piece of correspondence during the refinance. I explicitly told the loan officer that I did not own that address and that it is to be removed from his records immediately after that phase of the refinance. 

I called in to customer service when I discovered that address on my credit report. After repeated complaints they finally opened a research inquiry. I received a canned response tonight stating it was closed without further action, as it didnt include a police report. 

I am frustrated I must involve the federal government in what should be a straightforward correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had an account with Bank of America since XXXX In that 25 years I have had one late payment by 5 days and 1 missed payment. When I discovered the missed payment I paid it immediately and it was less than 30 days past do. I got a letter from the company saying my credit score drop to XXXX and they were dropping my available credit from XXXX to XXXX. My credit score has not dropped. It is still XXXX. In trying to reason with Bank of America I said that 2 incidents of past due payment in 25 years was not reason to drop my available credit. They said they could not do anything about it.

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 2021-11-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
already lodged a complain but nothing is done Need my answers on breakdown of of principal of XXXX, deffered interest of XXXX, deffered principal XXXX and others XXXX.Need complete history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
Per the Cares Act, I requested my mortgage company Carrington Mortgage put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this  company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late  which has completely screwed up my credit. Extremely disappointed in Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance : {$3900.00} XXXXXXXX XXXX  XXXX Balance : {$2900.00} XXXX  XXXX Balance : {$75.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I double paid by accident my minimum payment in XXXX. I thought my minimum payment would be applied the next month. I was incorrect plus they charged me a {$29.00} late fee. I was willing to not be refunded the double payment but not the late fee as I don't have a habit of paying late. 

I talked to rep and who they said was a supervisor who was unwilling to refund me the late fee.

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 2020-07-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/XXXX I contacted my local branch of BB & T now 'Truist ' to notify them that I wanted to change the instruction my monthly consumer loan payment with them which I had with them for since XXXX. BB & T currently is using my checking account that I have established with them since XXXX to debit on monthly basis to get paid on this loan. 
my intension on XX/XX/XXXX was to change this arrangement to my checking account with XXXX XXXX XXXX. .Banker at XXXX XXXX XXXX XXXX FL XXXX processed the required paperwork the he presented to me for this request. Last week I contacted the BB & T consumer loan dept. to find out about the status of my new instruction on this loan payment I was told that as of XX/XX/XXXX they have NOT received any forms from me or the banker that has processed my request at the local branch. Immediately again I contacted XXXX office branch and spoke to the same banker that had processed my original request and was told by him after his research on status of the form that the form is LOST and the fax DID NOT go through be their system.! He wanted me to go back and start the process again. On XX/XX/XXXX I received a registered letter from branch manager of this branch that BB & T decided to CLOSE my savings and checking accounts with them in 10days and  as of the date of their letter to me I should not use their banking service and cease writing checks on my accounts. 
This action by the bank is very upsetting to me and my wife. As I indicated before Myself and my wife have been a long term customer of this bank and in a very GOOD STADING Status. I recently paid off my mortgage with them. Never wrote a bad check or violated any condition that may cause this action by the bank. No reason was given on their action. I will appreciate if your Bureau can look into this matter for me to find reason of this action. I have done everything right on my side and those are the one at fault for messing up my 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 explanation
Consumer complaint received 2023-04-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Chase Bank. Less than 6 months later, it was closed by the bank. No explanation was given. I had never bounced a check and kept substantial amounts in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Synovus Bank
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to XXXX  on XX/XX/XXXX after delinquent First Progress account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. 
Another dispute with XXXX updating on XX/XX/XXXX updated goodwill adjustments ( negative comments removed up to XX/XX/XXXX ), but added negative comments to XXXX and XXXX,  XXXX. 
Latest XXXX dispute began XX/XX/XXXX and ended XX/XX/XXXXwas due to negative comments to XXXX  and XXXX. The update for this dispute was to move negative comments from XXXX and XX/XX/XXXX to XXXX and XX/XX/XXXX. 
XXXX can not /will not remove the account from my credit, even though it is set to drop off in XX/XX/XXXX,  which I requested by phone on XX/XX/XXXX. XXXX   states that they can open another dispute, but can not guarantee that it will be correct. 
I sent a fax including the attached information to First Progress on Monday, XX/XX/XXXX. 
Each time the account shows as charge off in XXXX, my credit score drops again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: AL
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 asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

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. 


Also this collection agency contacted me via mail harassing stating that I am ignoring them. I do NOT HAVE A WRITTEN CONTRACT WITH THEM SIGNED BY ME. they have not produced one at all nor gave details of this alleged debt as in why they have the debt in the first place. They didnt notify me of them purchasing an alleged debt or any other required information so they are in violation and at risk of being sued for {$1000.00} per violation Accounts XXXX XXXX  XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: MoneyLion Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a victim of identity theft, and I recently obtained a copy of my credit report, which revealed a {$900.00} collection with Money Lion, {$24.00} balance with a company called XXXX XXXX XXXX XXXX. I have never made an account with these organizations, and they will not assist me because I am not a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Last XXXX XXXX Th 2020 I was at Macys to purchase a XXXX gift for my husband-watch that as on sale reduce down to XXXX with a store credit of XXXX on my credit card. My credit card limit is XXXX. The bill came with tax to XXXX. But the machine refuse to deduct the XXXX store credit which would had reduced my purchase. That would had come down to XXXX. The store clerk tried numerous times to get it to reduced my bill using the store credit ( which she could see was on my credit card ). But couldnt do so I had to use a different method of payment. 
I called this wk and spoke to a Macys customer service personnel. When I explain what had occurred she said that as their policy not to reduced the bill even though I had store credit because my bill was over my limit. I told her when you used the store credit toward the bill it was below my store credit. She even refused numerous times to allow me to speak to her supervisor. 
So I contact you and was given options on the best way to file a complaint. 

My question-is this legal? Where I work figs is not allow.

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 2023-04-24
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation has been placed by mistake, and I would like to request a re-investigation of my case. 

To begin with, I would like to state that I have not violated any of PayPal 's policies. I have always used my PayPal account in accordance with the terms and conditions set by PayPal, and I have never engaged in any fraudulent activities or violated any of the company 's policies. Therefore, I do not understand why my account has been permanently limited. 

I am aware that PayPal has strict policies in place to protect its users, and I fully support these policies. However, in my case, I believe that the limitation placed on my account was unjustified and has caused me significant inconvenience. 

I would like to request that PayPal re-investigates my case and restores my account if possible. I am confident that a thorough investigation will show that I have not engaged in any activities that warrant a permanent limitation on my account. 

I kindly request that you contact me at XXXX as soon as possible to provide me with an update on my case. I would appreciate any assistance you can provide to resolve this matter. 

Thank you for your time and attention. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-04-24
Company: EQUIFAX, INC.
State: VA
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:
Just recently, my credit score was greatly impacted from an inaccurate balance increase on my XXXX XXXXXXXX credit card this is causing me hardship and a stressful experience. 
This is the law and i want this resolved from reporting on all XXXX of my credit profiles from each bureau. Iv'e been charged interest rates that's been showing on my credit report as well. According to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information solely as to Transactions or Experiences between the consumer and the person making the report. These bluntly remarks are causing me denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent TransUnion my written dispute letter on XX/XX/2020. The letter was sent certified with tracking in which it shows that they received it on XX/XX/2020 ( Tracking # : XXXX ). Today XX/XX/2020, it has been a total of 58 days without a response from them. I sent TransUnion another letter on XX/XX/2020, for the nonresponse. I don't know why it's taking them this long when XXXX  and XXXX  both responded back to me within the 30 days. I have filed a previous complaint but they fixed nothing. Instead, they stated on the followup that the investigation process takes up to 30 days, yet they have failed to do so. I have not received any response from Trans Union in the mail.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, AND I DONT KNOW WHAT ELSE I NEED TO GIVE TO PROVE MY INNOCENSE OR THE FACT THAT I HAVE NO IDEA WHO THE THIEF IS. I HAVE SENT MY POLICE REPORT, MY IDENTITY THEFT REPORT. I HAVE CALLED NUMEROUS TIMES TO THE CREDITORS AND TO THE BUREAUS. BUT SEEMS LIKE EVERY BODY DOES WHAT THEY PLEASE AND AS A CONSUMER AND A VICTIM I HAVE NO RIGHTS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY OF THE CHARGES, THESE ARE NOT MY ACCOUNTS.

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 2018-11-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been working with Procollect to clear a debt I had and was able to pay it off but they refuse to send me the receipt of payment. I was requesting proof stating I had paid the debt. Contacted them on XX/XX/XXXX and twice before.

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 2018-11-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was used to withdrawal funds without my authorization.

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 2018-05-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I was called today by the XXXX XXXX XXXX XXXX about student loan forgiveness they were able to get all my information and they seemed like a scam. I spoke to someone named XXXX XXXX and he wouldnt give me his last name. They were to send my information to me but never did. Im nervous that my identity will be stolen.

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