BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 )  collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.

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 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Opted into a 0 % promo APR on a credit card, at the time had automatic payment set up for the entire statement balance - after that payment came through switched to just the minimum payment, and 2 months later received a 'minimum interest charge ' on my statement, yet the " Interest Charge '' Table in the statement showed {$0.00} balance was subject to interest. 

Actually, all values on the table are {$0.00}, so the information is completely incorrect. Spoke with a representative about why I had a charge, she was kind and patiently sorted it out. Because I had made purchases before the autopay of statement balance was paid, there was a {$25.00} minimum payment applied to purchases subject to 0 % APR, and not those prior to the promotion starting ( in other words, they applied the first {$25.00} to the 0 % purchases ). This is a common practice, but seems also deceptive in its own right ( intending to cause financial harm ). The agent said they would waive the fee, so I am happy with that part of the resolution. 

The bigger issue here is that every statement includes misleading or incorrect information about balances subject to interest charges. This needs to be fixed. If I had seen there was still {$25.00} subject to interest I would have paid it off immediately, and I can only imagine how other customers are being affected by this erroneous data.

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 2017-11-03
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a Notice of Default and Notice of Intent to Foreclose via USPS from ( SLS ) on Thursday, XX/XX/XXXX. I have questions and concerns about the actions that are being taken concerning my mortgage. I was not aware that a Servicer ( SLS ) can foreclose on your home if you have applied for a modification, and I havent heard or received anything in the mail on the status of the modification. Can you please clarify this matter for me?
Let it be noted that on XX/XX/XXXX I applied for another loan modification due to me not getting the other papers notarized in a timely manner which was a result of me being out of town at the hospital ( XXXX ) with my daughter. In your letter that was sent to me, it stated that if missed the deadline to reapply, and thats exactly what I did. So, I sent in another complete application with a letter attached explaining why I was reapplying, and I listed that I included two recent bank statements, a recent pay stub, and the XXXX in the packet all of which had the loan number on each of the documents and these were the same exact items that I had to submit 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 2022-03-09
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, I have reached out to Specialized Loan Servicing ( SLS ), LLC due to their not payment of my property taxes timely and correctly. I received notification from my tax office that a XX/XX/XXXX semi-annual payment was made, however the XX/XX/XXXX semi-annual was not. Therefore, about half of my property tax remained unpaid. After phone call verifications with my tax department, I started notifying SLS on XX/XX/XXXX and, as of today, XX/XX/XXXX, the issue has not been resolved. I have made several phone calls to SLS during this time period and have spoken with Supervisors in the Tax department. Each call entails a massive amount of time on hold or on the call which I have had to make time to participate in. Each call I have been provided a different " story '' from their " notes '' regarding what the issue is and assurance that the concern has been escalated to the research department. Since the numerous phone calls have yet to rectify, I sent a fax with several items of documentation asking that this issue be resolved immediately. As of the moment of this writing, including the subsequent accrual of interest I should not be liable for, my tax bill remains unpaid in the amount of {$1500.00}. My parcel is flagged as part of the upcoming XXXX tax sale. A review of my SLS account since XX/XX/XXXX shows a tax disbursement from escrow, a refund of those tax disbursements back to my escrow account, and another tax disbursement from escrow as of XX/XX/XXXX. However, the tax department does not have a payment and my escrow balance on the account is missing the amount. I can not continue to deal with this stress. I have done everything within my power to assist with communicating this issue. There is no legitimate reason for my taxes to not have been paid correctly. I fear I will have to somehow figure out how to pay this on my own and that my money is being held hostage. I have anxiety over this situation, when it will be resolved, if I will lose money I don't have, and if there will be future issues with the payment of my property taxes from the escrow account. This has created an undue hardship on me. I have reviewed the XXXX XXXX XXXX  regarding this servicer and have found a XXXX  ' rating along with numerous similar complaints. I have lost confidence in any possibility that these are mistakes and instead believe this is purposeful action by Specialized Loan Servicing, LLC.

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 2017-11-03
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
This is about the American Express ( The XXXX XXXX Card ).  This is probably the card that I owned for the least period time ( a  year or so and currently already terminated ). I only used it a few times ( probably less than 10 times ). I have called their customer service many many times for the recent at least 6 months. 

It started with somehow they would n't let you set up auto pay while gave you wrong information that let you believed the auto pay was set up successfully. You did n't pay attention, thought everything was all set. When you finally found it out, it was too late and they already charged you for the late fees and interests and kept accumulating. Then you called them back and had them resolved the issue ( you were told ), but they did nothing actually. However they were telling you that they waived your fee and again helped you set up the auto pay - all set was told. Meanwhile, they kept charging you cumulatively. After so many contacts of their customer service, I finally paid the fees and thought this headache was gone ... but found they were still charging you. Called again many times, one time were told the supervisor would call me back in 24 hours ... never did. the last time were told again this was resolved and the fees were all removed ( XX/XX/XXXX ). Then the bill came again .... I called back today ( XX/XX/XXXX ) with the customer service representative 's name and id who I spoke with last time and who told me it was all resolved with fees all removed. Only were told there was no record of this calling!!! Then again telling me they will have supervisor review the case and call me back. When asked for time frame, I was told it could be days, weeks, months or years. Basically no time frame they could provide. My credit score were 800+ ( not sure because of them if I lost any points ). I never had any problems with any other credit card companies except American Express. The current amount they 're charging me is {$79.00}. Even though it is not a big amount but it 's very wrong!! And, I did pay them fees and interest once already even though I do n't believe I should be charged for that. Because I just did n't want to deal with this anymore, But it was not successful to stop them charging me even more. This is become a torture to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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've called and spoke to XXXX and XXXX and personally faxed and mailed to Transunion all bureaus stated it would be removed. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written 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 non-monetary relief
Consumer complaint received 2020-11-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone stole my ID and social security number and used it without my consent and knowledge. The person also received medical attention. I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-10-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied to get approved for a car recently. I was immediately denied due to not having a credit file with Equifax. I called them several times and no one had information on how to correct the issue. I have credit scores and a file at XXXX XXXX but not a Equifax which is weird.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX  XXXX Balance {$14000.00}

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 2020-11-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Chexsystems has 2 accounts reporting on my account from XXXX XXXX and XXXX XXXX XXXX XXXX that are not my accounts and refused to remove them! They have not sent any verfication to me when asked!! I never had theis accounts open and it is causing banks to decline me for opening a account.

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 2017-11-03
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX ADDED A ACCOUNT ONTO ALL THREE OF THE CREDIT REPORTING COMPANIES AND I DISPUTED ALL THREE CREDIT BUREAUS AND XXXX AND XXXX INVESTIGATED IT AND REMOVED ALL THE ACCOUNTS FROM MY REPORT AND SENT A MESSAGE TO EXPERIAN STATING THEY REMOVED AND BLOCKED THIS XXXX ACCOUNT. EXPERIAN NEVER REMOVES STUFF UNTIL I GO TO FTC AND CFPB. EXPERIAN KNOW THIS ACCOUNT ISNT MINE AND UNDER THE FAIR REPORTING ACT ONCE ONE BUREAU REMOVES IT AS FRAUD AND SEBDS A REQUEST TO ADD A FRAUD ALERT THEY SEND A DETAIL MESSAGE WHY THE WANTED THE FRAUD ALERT ADDED. I WANT THE XXXX ACCOUNT REMOVED ASAP.

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 2021-10-22
Company: EQUIFAX, INC.
State: GA
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly, you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TRANSUNION STARTED REPORTING AN ACCOUNT THAT I DONT RECOGNIZE, XXXX XXXX FOR THE AMOUNT OF XXXX DOLLARS FROM XXXX  XXXX. I REQUESTING A VALIDATION OF THIS ACCOUNT WHICH IM ENTITLE TO ACCORDING TO THE FCRA. THIS ACCOUNT IS NOT MINE, AND WANT IT CORRECTED. PLEASE SHOW ME WHEN THIS ACCOUNT WAS FIRST DEFAULTED ON. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMS.

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 2017-11-03
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: Credit inquiries on your report that you don't recognize

Complaint:
On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious.
Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: NC
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've called and spoke to experian and XXXX and personally faxed and mailed to XXXX all bureaus stated it would be removed. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written 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 non-monetary relief
Consumer complaint received 2017-11-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX/XXXX/XXXX at XXXX XXXX a gentlemen called me from ( XXXX ) XXXX representing himself with the XXXX county courts. He stated a lawsuit was filed against me in regards to fraud. I advised I had no knowledge of this information. He then gave me another number to contact ( XXXX ) XXXX and case number XXXX. I called the number he gave me and a female stated the matter was with an Attorney XXXX. She then advised the matter was due to an unpaid payday load from Ace cash express. I advised her ; this was unethical and against the law to call someone under a false representation of the XXXX County Clerks office. Also, I 've set up payments with them and they 're not allowed to collect on a debt in which payments are already setup. This is a form of harassment. You can not false identify yourself, nor use scare tactics claiming suit by representing yourself as a clerk from the XXXX county courts. The lady then hung up on me. I called back several times baffled of such unprofessional behavior. She then begin to yell advising me to pay my bills when I 've informed her several times I 've already set up payments with them. She refused to give her name.

Company response to consumer: Closed with explanation