BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
I have auto payment setup with Bank of America credit card ending with XXXX using my discover checking account. Later I opened Bank of America Checking Account and closed after 6 to 8 months. After that I started using bank of America credit card and suddenly one day I got alert that my bank of America card is past due. When I logged into account all auto payment setup is gone. I checked with customer service agent about my auto payment setup not visible and my credit card has become past due. I requested bank of America customer service to recall my late payment report from credit reporting as deleting auto payment setup issue is on Bank of america system side due to opening of bank of america checking account. Customer service had no clue on this issue. When i requested for recall of late payment of credit reporting there is no action from their side. I requested customer service to setup auto payment again and paid the past due amount. I raised service ticket with bank of america and there is no resolution as of now. hence reaching out consumer finance to resolve my issue since it affected my credit score. 

Let me know if you have any questions.

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: IN
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-01-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a letter in the U S Mail which offered a {$200.00} credit with a new card application after spending {$500.00} in the first 90 days. The letter offers application by phone or online. When attempting to make the application on line no terms were offered which included the {$200.00} credit. After attempting to make the application by telephone I was told that a cell phone was needed to proceed with the application. The agent stated that there are hundreds of offers available but would not confirm the one mailed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
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:
I called XX/XX/XXXX to make a payment on my car loan. I always pay the day I make the call. Their automated system messed up and didnt process my loan until XX/XX/XXXX, which put it 30 days past due. Instead of admitting to their mistake, which is simply proven by listening to the recording, they reported false information to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/17 Bank of America debt collectors phone number XXXX contacted my mothers home and provided information in regards to my debt to my mother. She is not a co-signer. The only information they asked for her to verify was my date of birth. No other verification were asked. 

They continued to give private information to my family member. When I called the debt collectors to inform them that they did not verify the correct person and informed then that their verification process is not strong enough they hung up the phone on me ( supervisor XXXX XXXX ) not 100 % sure of last name. I called again spoke with Manager XXXX XXXX and he assured me that XXXX will never hang up the phone. Which she did. He indicated that they can not protect information if someone impersonates me. I informed him if the verification process was stronger their would be no room for impersonation. He was extremely sarcastic when I asked why didnt you verify address or social and he responsed with a snarkly comment your mother does not know your 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 explanation
Consumer complaint received 2022-01-29
Company: GULF COAST COLLECTION BUREAU, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Son had urgent care visit in XXXX of 2020. Insurance was not ran correctly and as such we were charged full amount. We have since communicated with insurance carriers and had placed a hold on the bill to determine if either insurance would cover. I never received notice that insurance was not covering and have now received a debt collection letter from Gulf XXXXoast Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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:
thanks for adding the fraud alert to my report but i still need the issue resolved. I have loss sleep thinking of how someone has actually got away with these 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 non-monetary relief
Consumer complaint received 2021-03-05
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had a first and second mortgage with Colorado Housing and Finance ( " CHAFA '' ) XX/XX/XXXX. In XX/XX/XXXX I filed a Chapter XXXX bankruptcy. My mortgage was not discharged and subsequently the delinquency was included in a promissory note in XX/XX/XXXX. 
I have made ALL my payments for my 1st and 2nd mortgages. However, CHAFA has not provided a 1098 for my first mortgage for XXXX, nor do they provide a monthly statement of my first mortgage, nor to they report my payment history to the credit bureau of my first and second, despite in XXXX my 2nd was being reported, not the first and now neither is reporting. Clearly, my pay history with my mortgage would raise my credit score significantly for a refinance and despite maintaining a XXXX credit score I am unable to get a more favorable rate. CHAFA has gone back and forth as far as allowing me online access. 
I called on XX/XX/XXXX and left a message with the legal department. No response. 
I called customer service today and was advised they are unable to provide me online access and can only mail the requested documents ( despite the 1098 was due XX/XX/XXXX and the monthly statements have not been provided at ALL ) thus I am unable to complete my taxes and it puts a further delay my ability to refinance.. In fact, last year when I attempted to refi my home CHAFA refused any cooperation with me or the mortgage associate I was working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Reliant Capital Solutions, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filling a complaint with the Consumer Financial Protection Bureau.

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. Reliant Capital Solutions has not provided me with anything to validate this. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. 

On XXXX I received a letter from Reliant Capital Solutions informing me about account number : XXXX in the amount of {$1500.00}. The letter stated that unless I notify offer within 30 days of receiving this notice that I dispute the validity of the debt. Their office will assume that this debt is valid. 

I sent a validation letter to Reliant Capital Solutions dated on XX/XX/XXXX and I never heard back or received any validation that the debt belongs to me. I kept waiting for validation. I will upload a copy of the validation request letter that was sent postmarked XX/XX/XXXX. 

On XX/XX/XXXX, I got an alert from my bank and other credit applications such as XXXX XXXX and XXXX that I had a new collection account that was reported. I logged in and see that Reliant Capital Solutions has reported a collection account to XXXX and XXXX without giving me any validation that account number : XXXX in the amount of {$1500.00} in fact belongs to me. Reliant Capital Solutions has not provided me with proof that I owe this debt, yet they reported the account as collections. This is a clear violation. 

I have no record of owing this debt and would like this to be removed with XXXX and XXXX. I have already contacted and disputed this with both credit agencies and have yet to hear back from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: Experian Information Solutions Inc.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-25
Company: EQUIFAX, INC.
State: GA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2022-01-29
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a auto loan through navy federal. Times had changed for me to where I wasnt getting paid as much so I called the bank and stated I was unable to continue making for the vehicle and for them to come pick the vehicle up and we can set something up to where I can get this debt removed off my credit. They were supposed to come pick the vehicle up, I was told they would then auction it off and that I would have to pay the difference. They never came for the car. I have called multiple times in regards to this matter. Its been years and still the car is in my possession, they have only contacted me about the amount owed and that if I dont pay it will effect my credit. I have told them multiple times that I have the car ready for them to come get picked up or towed and they still have never come. I now have a debt on my account that is overly priced on a car that has been sitting waiting for the bank to repossess and never came. As they stated, it did effect my credit. Now I have a car thats been sitting. Most likely wont sell as much now which means I am now stuck with the debt of entirety which I feel is unlawful and unjust when they have been notified of where this car is for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: GA
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-02-04
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 am submitting this complaint on behalf of myself. It is sad that the credit reporting agencies can flat out violate the federal law like this. After several calls to XXXX, XXXX, and Equifax and the reps hanging up in my face I am here to get resolution. This is a direct violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.. I not once gave the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I will be be taking this to the next level if this is not corrected. It clearly states that once I notify each credit report agency of any error it is to be removed and corrected. I am the consumer and I am the person to identify this information for validation. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Selene Finance LP
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made three biweekly mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Selene Finance in XXXX. The last loan payment on XX/XX/XXXX was deducted from my bank account, but it was not deducted from the principal balance like it should have been. They will not resolve or even reply to the matter after 23 days now. 

I have attached screenshots of the current Selene Finance payment history and the payments made from my bank statement. The Principal Balance displays a {$220000.00} amount on XX/XX/XXXX. The payment reversal on XX/XX/XXXX is the problem because the funds were in fact deducted from my bank account and never returned. 

That payment reduces the principal because its the third payment of the month and Selene should never have had a " Payment Reversal ''. Therefore, the current amount in Suspense should be half the mortgage payment and the Principal Balance {$220000.00} as ofXX/XX/XXXX.

On a side note to eliminate any confusion. Due to the lack of information Selene Finance provided me, I made a manual payment onXX/XX/XXXX. Unknowingly, two payments were then deducted from my bank account. One deduction was turned back for insufficient funds, but the other payment was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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:
XXXX. All the credit report companies XXXX, XXXX and Experian are all reporting late payments on my credit report. 
XXXX All the credit report companies are reporting hard enquiries 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 2020-12-14
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:
XXXX XXXX XXXX FCRA violation Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/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 explanation