BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-17
Company: Strategic Alliances, 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: Old information reappears or never goes away

Complaint:
I issues a prior complaint. Complaint number ; XXXX with the XXXX and complaint number XXXX on XX/XX/2018 against XXXX XXXX XXXX XXXX. They are reporting on a debt that is unverifiable and not accurate. They refused to remove information from my credit file and attempted to reage old debt. When asked for verification and validation ( several times ), they did not provide proper information per FDCPA. on XX/XX/XXXX during premeditation this case was dismissed because the lawyer from their firm acknowledged there was not sufficient information about this account. The case number is XXXX. The case was dismissed because of lack of information. Please remove this inaccurate derogatory information from my credit file or I will sue and seek the damages owed to be for repeated violations of FDCPA and lost wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Bank of America ( BOA ) sent credit card bill via email and I missed seeing it in mid XX/XX/XXXX. I also thought I had closed the credit card in XX/XX/2017.

BOA sent a subsequent credit card bill via email and I followed up to find out what the charges were and to make sure the account was closed via BOA customer service ( early XX/XX/XXXX ). The {$12.00} bill was paid and then BOA closed the account. I thought all would be well but there is more I was notified around XX/XX/XXXX via a XXXX  alert that my credit score had dropped 110 points due to a delinquent account. I subsequently confirmed it was this BOA credit card. 

I sent an email to BOA asking for an investigation and to see if they would remove the report for the late payment/delinquent account to the credit bureau on XX/XX/XXXX. On XX/XX/XXXX, XXXX at BOA informed me that the payment was late ( true ) but that there would be no forgiveness on their part. 

Request : Given my credit history and I believe not a single late payment in the last seven years and perhaps longer, I am asking for the CFPB to ask BOA again to remove the reporting of a late payment from my credit report given the small amount. I realize that BOA does not control credit scores but a late payment on a {$15.00} credit card bill should not cause a credit score to drop by 110 points.

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 2019-04-10
Company: EQUIFAX, INC.
State: NE
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:
In XX/XX/XXXX I noticed there were 2 fraudulent accounts on my credit reports with all three bureaus and contacted each bureau to clear this issue up. XXXX and XXXX XXXX fixed the issue rapidly and on XX/XX/XXXX, I placed a fraud alert on all three bureaus. I submitted the requested documents to Equifax as well and on XX/XX/XXXX, Equifax removed and deleted the unauthorized 2 fraudulent accounts in my name. However as of XX/XX/XXXX, I refresh all three credit bureaus and noticed that Equifax put the 2 fraudulent accounts back on my credit with their bureau. XXXX and XXXX XXXX did not and have blocked these 2 unauthorized accounts successfully from my credit reports. I have given Equifax more than 30 days to clear this situation up and now it has been over 60 days since requesting Equifax remove and delete the 2 fraudulent accounts AGAIN and I have gotten zero response from them. I am filing a complaint with the Consumer Financial Protection Bureau to get rapid assistance as this is affecting my lending needs as a consumer because these fraudulent accounts that do not belong to me are lowering my lending needs from banks. I have paid to my credit monitoring accounts over {$500.00} to refresh my credit and have seen no results on Equifax 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I made a recurring payment of {$100.00} to my XXXX XXXX XXXX Credit Card to satisfy my payment due on XX/XX/XXXX. However, the minimum payment amount was actually {$100.00}. I failed to realized that my payment amount had increased after a recent purchase. In late XXXX I received a collection notice stating my account was past due. I called the collections department to confirm they had received my XXXX payment that cleared my bank account two weeks prior to the due date. I was informed of the payment shortage and acknowledged that I failed to adjust my monthly recurring payment after a recent purchase that increased my balance. I stated that I would make a one off payment immediately to bring the account current ( a {$30.00} payment posted to my credit card account on XX/XX/XXXX ). I asked the representative to reverse the {$27.00} late fee as a one time customer service gesture. The representative agreed. On XX/XX/XXXX I logged in to my online account to check the balance for a promotional financing offer that I knew was expiring soon. At that time I noticed that there had been no adjustment made for the {$27.00} late fee that was assessed on XX/XX/XXXX. On XX/XX/XXXX I called customer service to explain the issue and spoke to three different representatives who stated that there was not record of a promise to waive the fee and furthermore they would not be able to reverse the fee. I even requested to have the fee reversed on sheer principle since I 've been a long term customer, have never been late and always pay my promotional financing in full before they expire ; all separate from the fact it 's quite egregious to charge {$27.00} for a {$7.00} partial payment shortage. I was finally transferred to a resolution analyst who stated someone would review and get back to me before XX/XX/XXXX. At this rate, the expense that they 've incurred via several phone calls that were each in excess of 10 minutes and the value of time I 've personally spent - far more than {$27.00} has been exhausted. This issue could have been easily resolved and I 'd be a happy customer with the first call, I 'm ok with the oversight and the need to make a second call but at this point the lack of service is unacceptable.

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 monetary relief
Consumer complaint received 2022-08-14
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXX Account XXXX has violated my right XXXX Account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXX  XXXX Account 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions 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:
Found some discrepancies on my report I did no authorize. One account that is showing different amounts for each bureau and at least 4 inquiries.

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 2018-06-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX /XXXX XXXXXXXX XXXX Shellpoint Mortgage Serving We are still filing complaints against the Shellpoint Mortgage Company that has asked for my Bank statement in the months of XX/XX/2018 XX/XX/2018 SHELLPOINT MORTGAGE AND XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXXXXXX SAW ON MY XXXX XXXX XXXX PERSONAL STATEMENT OF MY SSDI DIRECT DEPOSIT. 
DEMANDING AGAINST FEDERAL STATE LAW ASKING FOR MY SSDI DEPOSIT IN THE SUM OF {>= $1,000,000} XX/XX/2018 DOLLARS PAYMENT PLAN ONLY AFTER PULLING MY BANK ACCOUNT INFORMATION XX/XX/2018, XX/XX/2018 BECAUSE OF MY SSDI APPROVAL AFTER 4 YEARS OF DENIALS. 
THIS STATEMENT FROM SHELLPOINT MORTGAGE /XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ! 

CFPB HAVE THIS STATEMENT THAT IS GIVEN TO THE PUBLIC EXPLAINING THAT FEDERAL DIRECT DEPOSIT CAN NOT BE GARNISHED BY ANY BANK DUE TO THE DISABILITY I XXXX XXXX XXXX LIVE WITH FOR THE REST OF MY LIFE. 

AGAIN THE MORTGAGE COMPANIES HANDLING OUR ACCOUNT XXXX HAVE COMMITTED FRAUD DUE TO AND AGAINST ME I AM DISABLE TO TAKE AWAY MY HOME WITH MY FAMILY MAKING US HOMELESS ON PURPOSE. 

WE SHOULD NOT LOSE OUR HOME JUST TO STEAL MY SSDI DIRECT DEPOSIT. 

WE NEVER WANTED TO LOSE OUR HOME BECAUSE I RECEIVED MY SSDI AND THE BANKS FOR OUR MORTGAGE WANTS TO STEAL MY SSDI. 
JUST TO KEEPING OUR HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: WESTERN UNION COMPANY, THE
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been using Western union for 3 years to help my family financially in XXXX. So far, I have n't had any problems, but unfortunately when the problem came it came big. I sent XXXX dollars to my sister yesterday ( X/XX/2018 ), the money was to pay for my mom 's utilities. This morning my sister went to the bank to get the money, same bank she always does, then she called me saying she was at the bank and they told her that the operator was telling her that the transaction was canceled by me. they gave her a receipt showing the status. I checked in my WU account and showed her that the transaction was not canceled. She showed the bank operator and he said : while the status is as canceled here i can not do anything. There is one thing really important to know about WU system, once the bank operator types the tracking number to check anything, the system automatic sends me an email saying that the money was picked up by the receiver and also registers it as delivered, but the money actually was n't delivered. So when I called WU to tell them what happened and ask for help they told me the money was delivered. I said that was n't, explained everything to them and now they want to open an investigation that will take 20 days. Super Fair huh, my mom does n't get the money, i do n't get the money back, but instead they keep the money. I am super frustrated with the situation, last month i sent a total of XXXX XXXX XXXXo XXXX, imagine if this has happened? I just ca n't trust them anymore. One of the girl on the phone told me that the money was picked up in a XXXX, that is in a state that I do n't know anyone there. so was fraud, I asked her and she refused to give me information. So I would like to end saying that : 1- their operators speak terrible English, I literally cried on the phone because I just could n't understand what they were saying and they refused to get someone on the line that could speak the language. 2- They need to change their system, what kind of system that complete the transaction registering that the money was delivered when it was n't? When they bank types the tracking order, he is just checking what is in there and not delivering the money, after entering the tracking number then comes the questions to know if the person is there trying to get the money is the real one, then he needs to check the status of the money, if it is already available etc ... They have to fix that and get the system only register the delivery when the receiver has the money in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have contacted Transunion and told them that this account was not mine & I did not open it. I had no knowledge of this account, I have filed a police report & FTC identity theft report XXXX. I filed a complaint against them on XX/XX/15 for The XXXX XXXX XXXX {$650.00} with you & they continue to report this account that is not mine!!!!!!

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 2019-07-26
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 diversified consultants started reporting information on my XXXX credit report which I knew anything about. This company had not sent me any correspondence saying that they are collecting a debt and my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: OR
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:
Experian is reporting XXXX - XXXX still, they are the only bureau reporting this erroneous account. It is 7 years old and needs to be removed. 
I have current accounts with them and this account you're reporting is not valid or accurate

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 2022-01-12
Company: Affirm Holdings, Inc
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased {$1200.00} concert tickets from XXXX on XX/XX/2021 through Affirm ( installment plan ). I was supposed to get these on XX/XX/2021 but I never did. I paid Affirm in full amount on XX/XX/2021 however I did not get the tickets at all so I disputed this with my bank. XXXX XXXX XXXX XXXX provided me with a temporary credit ( they gave my money back ) while investigating the case. Now, Affirm is saying I have an outstanding loan with them. I have been going back and forth talking to Affirm agents telling them I NEVER RECEIVED my tickets. I contacted XXXX via email ( because I can never get a hold of someone over the phone ) and they responded to me saying I should contact Affirm with any inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Eagle Accounts Group, Inc.
State: PA
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:
XXXX put a credit inquiry on my report on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it wouldn't be removed. I did not authorize these inquiries and I would like them removed from my report.

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 2017-10-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX I believe Navient violated the terms of my loan payment by putting my account into forbearance without meeting any of the terms to go into forbearance. I am not in school, have not been delinquent, and did not request this in any way. They then capitalized that interest in XX/XX/XXXX. 

All of this was done without ever contacting me or sending me any sort of notice. When I called about the issue I was told that there was an accounting glitch and that someone would look into the issue, but the result was no changes. 

I have also been subject to a " payment holiday '' for overpayment in XX/XX/XXXX, which I did n't previously know about until I was able to get documentation from Navient showing my payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
LoanDepot was incompetent in providing details on loan estimate worksheets to provide accurate information about fees and taxes associated with a new mortgage. Data needed to be frequently checked to ensure accuracy of information. After completion of the new home, LoanDepot forgot to get their final inspection and asked for pictures of our home interior after moving in. Pictures were " required '' for the loan even though the mortgage had been sold to another lender and recorded without issue with the county assessor. Imagine a bank requiring pictures of your wallet which you no longer have an account with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have contacted Transunion and told them that this account was not mine & I did not open it. I had no knowledge of this account, I have filed a police report & FTC identity theft report XXXX. I filed a complaint against them on XX/XX/15 for XXXX XXXX XXXX   {$5800.00} with you & they continue to report this account that is not mine!!!!!!

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 2020-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to XXXX XXXX Mortgage three times requesting proof that that I my loan was paid for less than the full balance. All they do is to write me and say that I did not fully pay off the mortgage even though my balance is showing XXXX. They never sent me any pay history showing details ... .That is not sufficient proof. They should be providing copies of every monthly statement for the year XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: The Stark Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had phone and internet service with XXXX XXXX XXXX XXXX, WI. They were an adequate service for several years. Then one year they decided to jack our rate up with out proper notification. We went several months without paying the jacked up rate during the dispute. They refused to make things right. Finally they cut off service and submitted the inflated debt to a collection agency. I continued to refuse to pay this inflated debt when contacted by the collection agency. I disputed the debt by paying for an attorney to send them a warning letter. They STILL REFUSED to make things right. 

If XXXX had made things right in the first place, not only would they have retained us as a customer, but also they would not owe me XXXX dollars in attorney fees. 

I will be sending a copy of the attorney 's letter when i can find it in my files. 

The service address was to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions 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 the natural person XXXX XXXX have been effected by the false reporting on my consumer report. I've already disputed these accounts ( XXXX XXXX XXXX XXXX XXXX - DATE OPEND : XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX ) for fraudulent and unauthorized charges. Experian did an " investigation '' and concluded that the charges were authorized, but failed to provide and/or request a " burden of proof '' which is required by FEDERAL LAW in [ U.S.C 1643 section ( b ) ]

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