BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an amex account where my children have cards. On one of my young adult/college daughters account she attempted to pay her bill. She made an error and tried to correct it. The system said her payments were cancelled but the payments were not cancelled and the payment was not paid by her bank. The payment was attempted again the next day and the payments were covered. Amex froze all of my personal account for an account that 1. was not the primary account holders account for over 10 days AFTER being paid for XXXX, 2. I was charged XXXX for XXXX which seems unreasonable considering the account was not the primary account and the attempts to cancel the error was not honored by amex. 3. amex customer service would not resolve the issue with me and said they could not remove the hold even if the payment was covered. 

There is no agreement I have with Amex that states that they can uncancel a payment and use secondary card payments the account to freeze the entire account. They never sent a notification that the account was on hold and why. They have not provided any explanation why and how long the account would be put on hold. Currently it has been on hold indefinitely without explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
In reviewing my credit reports, I noticed a fraudulent account on all my credit reports. I contacted XXXX, Equifax and XXXX. I was informed that they needed an FTC report and verifying documents to remove this fraudulent account. I sent an FTC report to XXXX, Equifax and XXXX along with the verifying documents requested. XXXX has taken action, however Equifax and XXXX continue to report false information and damaging my personal credit. I resubmitted and FTC report for the second time to both Equifax and XXXX along with the verifying documents. Equifax and XXXX continue to report false information. They are stating that the information is verified. 

If someone has my name, social security number and any other identifying items then it will always come back verified. I have done my part and have made it very clear to both Equifax and XXXX that this a fraudulent account and have sent the correct documents to them twice. XXXX more time than I should have to. Equifax and XXXX need to remove this fraudulent account as they have the documentation requested from me to remove this account from my Equifax and XXXX credit Reports. I and it very unsatisfactory that these agencies are allowed to continue to report false information even with the documents provided that both agencies requested to have this account removed, The account is an auto loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This was fraudulent activity due to my personal belongings being stolen I tried to let them know but I never got a response somehow someone hack my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I'm sorry I wasn't specific enough on who the complaint is for edd bank of America pre paid debit card.. I filled a claim back in XXXX of 2020 and got credited for the claim on XX/XX/2020 for the amount of XXXX ok when I was able to log in one last time on my account before I got lock out of my account I saw that it got credited and that was it I wasn't able to access my account since then until now that I told edd it's an account take over Bank of America claims department said it was credit but told them my account has been compromise that I wasn't living any more at my old Address on XXXX XXXX XXXX XXXX XXXX CA 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 2019-09-12
Company: Self Lender Inc
State: IL
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:
My name is XXXX XXXX. I had a self lender account through XXXX   XXXX that I closed in XXXX of 2019. The account is showing delinquent on XXXX and closed on XXXX and XXXX which it should be because I closed it. My problem is the delinquency is inaccurate information. I should not be showing delinquent because I closed the account before the payment was due. I sent certified documents to XXXX and there has still been no action taken to remove the incorrect information. I need this to be updated as I am trying to maintain my credit. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
I have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both XXXX, XXXX, and TransUnion for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.

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 2021-12-15
Company: Freedom Mortgage Company
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage claims that I was late on a contractually due payment of {$1400.00} on XX/XX/XXXX. I did not have a loan with Freedom Mortgage in XX/XX/XXXX. My loan was sold from XXXX XXXX to Freedom Mortgage in XX/XX/XXXX. The XXXX Loan was not contractually due XX/XX/XXXX in the amount of {$1400.00}. The loan was in forbearance. XXXX XXXX  inaccurately reported that the XX/XX/XXXX payment as late. The attached letter confirms that XXXX XXXX  corrected the inaccurate reporting. However, Freedom Mortgage FAILED to follow-up to find out if the reporting had been corrected even after I informed Freedom Mortgage multiple times that the information was incorrect and provided documentation. 

I made a payment of {$1200.00}, in good faith, on XX/XX/XXXX after receiving directions to pay the amount from a Freedom Mortgage agent based on a new loan modification which would be forwarded to me. I was told the new loan was due starting XX/XX/XXXX. I never received the loan documents. I requested the loan modification documents more that 20 times and never received them.

Six months later, Freedom Mortgage finally sent me completely new loan modification documents with a payment of {$1100.00} starting on XX/XX/XXXX. I have requested that Freedom Mortgage apply the XX/XX/XXXX mortgage payment of {$1200.00} to the new mortgage payment of {$1100.00} due XX/XX/XXXX. The balance of {$110.00} will be applied to my escrow account. 

The {$1200.00} ( unapplied/suspense payment as Freedom Mortgage labeled it ) is now being held based on inaccurate information that I was delinquent on a payment due in XXXX before Freedom Mortgage owned the mortgage. At first Freedom Mortgage claimed the payment was delinquent on XXXX, XXXX now they have stated the payment was due XX/XX/XXXX. I have asked for proof and received none. 

Freedom Mortgage is refusing to apply the XX/XX/XXXX mortgage payment of {$1200.00} to the new mortgage payment of {$1100.00} due XX/XX/XXXX, and the balance of {$110.00} applied to my escrow account. 

I have spoke to five supervisors and none have resolved the issues. All answers have been generic and incorrect on their internal message board.

This is one of many issues I have encountered with Freedom Mortgage. They never contacted me 30 days before the end of my forbearance to start the loan modification process. I contacted them before them time and time again to start the loan modification process. I have detailed documentation for all my allegations. 

The federal government should not allow a debt collector such as Freedom Mortgage to own any federals home loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to get an auto loan removed/deleted off my credit report for months. I've had XXXX issues, got behind on one payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that child support is not supposed to be furnished on consumer reports. It is not derived from a credit transaction, therefore it is illegal and fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Opportunity Financial, LLC
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I took out a series of high-interest internet loans with OppLoans, assuming since I was able to get them they were legal. I recently discovered that the loans are not legal in my state per the Virginia Fairness in Lending Act of XX/XX/2020. This loan violates the law due to : - a lack of company licensing in Virginia ( neither they nor their stated access partner, XXXX XXXX XXXX, is licensed )- an excessive loan amount ( XXXX XXXXXXXX the maximum allowed per law is {$2500.00} ) - excessive interest rate ( 160.87 % ; maximum allowed by law is 36 % ) The Fairness in Lending Act also states that any loan made in violation of the law is void. " Any loan made in violation of this section is void, and no person shall have the right to collect, receive, or retain any principal, interest, fees, or other charges in connection with the loan. '' I want the loans removed from my credit history since they were illegal. https : XXXX? XXXX XXXX : I took out a loan XX/XX/XXXX under the terms above. 
I took out another loan to pay that one off XX/XX/XXXX, also under the same terms. 
More loans taken out, each paying off the previous and having the same terms : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I reached out and asked for assistance with the overwhelming interest rate. No one responded. 
In XX/XX/XXXX, I discovered the Fairness in Lending Act ofXX/XX/2020, which made the loans all illegal and unenforceable. I called OppLoans to inform them, but they did not agree to help me. 
On XX/XX/XXXX, I sent them a " cease and desist '' letter. 
The responded on XX/XX/XXXX, but again disagreed. 
On XX/XX/XXXX, I filed a XXXX complaint. They responded, unwilling to help, on XXXX XXXX and again on the XXXX. Today, XX/XX/XXXX, I am filing complaints with the FTC and CFPB. I plan to follow up with my state 's Attorney General next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Reporting Attempted Fraud ( phishing attempt regarding Bank of America Checking Account '' : Received a text message from XXXX XXXX XXXX XXXX The message states as follows : " [ Service Update B.Of.A ] Your e-mail and phone number is being changed as you requested. 
If you did not make this request, please call XXXX XXXX XXXX Toll Free. ''

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 2021-09-14
Company: EQUIFAX, INC.
State: SC
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 Not liable for these accounts listed XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Theses account are Fraudulent. 

FTC Report Attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Spoke several times to agency at XXXX XXXX XXXX XXXX XXXX regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XX/XX/2023. The account was not delinquent for XX/XX/2023. A payment arrangement was in place ahead of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc

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 2020-02-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
It's not my inquiries, i never applied for this companies.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: AR
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:
Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc

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 2017-07-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I called all three credit bureaus, XXXX, Equifax, and XXXX to inform them of the unauthorized credit inquiries, after several attempts they would not remove them. Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX 12 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 addresses and names on my reports that are 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