BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, {$1200.00} was taken from my account without my permission from a merchant named XXXX XXXX. I am on california XXXX, and the funds were taken from my bank of america XXXX pre-paid card. Since it is a prepaid card, my bank was unable to put a freeze on the account. Becuase it is clasified as a XXXX card I dont get notified of unautharized or unsuccesful transactions from merchants maliciuosly trying to retrieve funds from an account. As opposed to a normal account or business account that does notify its customers of suspicious activity and places a freeze on the account after 2-3 unsuccesful attemps. This is negligence in Bank of America 's behalf and discriminatory against americans with XXXX receiving lower tier of service and not getting updated of suspicious activity simply becuse my card classifies me as a XXXX customer. I just had a XXXX to remove 2 abnornal growths from my chest and expected to pay for my medical bills only to find out now I will need to postpone my medical care because of my financial difficulties after this merchant speedy cash took funds from my XXXX prepaid card without any prior notification to me at all what so ever, and bank of america acted negligently in not notifying me of such suspucious activity.

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 2019-11-14
Company: Experian Information Solutions Inc.
State: WA
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  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Remove Late Pay for XXXX XXXX  2017, please see attached that could not go through when processed online. Remove late pay for XXXX 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions 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:
Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.

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 2021-02-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This a company recently responded to my complaint stating that they knowingly reported false information to my credit report which I pointed it out I requested that it be removed and not updated but that also ignored the law I Pointed out here is the law d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

So since I paid for those items with my credit card it should not be reported on my credit report this is a violation 15 U.S. Code 1692g - Validation of debts ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; So you assumed this debt is valid even after you have stated that there are inaccuracies in the debt

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 2019-11-14
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have request from National Credit System paper work on why they are trying to collect for XXXX XXXX XXXX  over {$4700.00} Dolls, XXXX XXXX XXXX  fail to deliver an Itemized letter of any Allege money owe to them. 
When I call XXXX XXXX XXXX after i find out in my credit report of Amount allegedly owe, I was told that they did not have any paperwork to give me for the allege debt because old management was not there any more and new management had nothing to do with allege debt that National Credit System was trying to collect.

National Credit System purchase alleged debt from another company and either company was not able to produce any paper work of why they are trying to collect {$4700.00} dolls. No one deliver a letter of itemized item 's of how the alleged amount come to be, I want answers from National Credit System on why they are trying to collect and illegal debt and and illegal amount with no proof of debt owe, no paper work!. National Credit System has Also tried to intimidate me with many phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Started forbearance process with Chase Home mortgage assistance due to COVID XX/XX/2020. Sent documents in 5 times over 2 different medias, as requested by Chase. Today representative informs me again. Documents are not received. Further documents can not be sent via online portal offered by Chase. Rep states Chase is aware of portal not working? Although systems appears to accept loaded documents, this is fraudulent information. So now with no car I have been asked to go 2 miles away and visit Chase office to get docs faxed in. Even though last time they were faxed from Chase XXXX XXXX office 4 weeks ago, Chase home mortgage didn't receive fax from their own bank branch?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection charge showed up on my credit report that doesn't belong to me. 
I made multiple attempts to resolve and dispute with the collection agency and the credit agencies, but without success. 

The amount is : XXXX Collection agency : XXXX XXXX - phone - XXXX original creditor : XXXX XXXX - utility bill The collection agency confirmed for me that the utility bill had a different mailing address than mine. 

I have been living at an all bill paid facility for the last 9 years and i don't pay electricity nor water. 

i have no knowledge none what so ever about this collection account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: FORD MOTOR CREDIT CO.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I admit. I made a late payment to Ford Motor Credit for XXXX and XX/XX/2017. I paid in full though the amount owed plus the late payment penalties and have had my account in good standing since. Ford Motor Credit reported these late payments to the credit bureau and I have no way to contact anyone with Ford Motor Credit to come to a resolution. I can only write a letter. No one contacted me Ford Motor Credit to make me aware of the report either.

Also. One reason for the Second late Payment was, I paid online for the XXXX late payment and it was scheduled and so therefore I would have to cancel it to make the XXXX payment. 
The reason for the late payment was due to a personal issue during which time I had to make some tough financial decisions. I overcame those issues to get my account current only to have Ford Motor Credit give reports on late payments on an account that is current 8 months later. 
Now I am trying to get a mortgage on a home and Ford Motor Credits dated faulty report is hurting especially with XXXX and I have no one to contact with FMC to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: SC
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 am requesting a method of verification of this bankruptcy on 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 2020-08-28
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I gotten this loan on XX/XX/XXXX in the amount of XXXX and I have been paying on this loan since then. I am still making payments and thought that I would be finished with this loan within a year. I have try contacting headquarters to see if this can be looked at and to no avoid the number that is for them is only a recording. For they have a local office in XXXX XXXX XXXX Fl. at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX. I was not aware that this was a weekly loan and I informed the loan officer that I can only repay monthly in which I have done for 3 yrs. So there is no ever ending with this company and I also found that they have been sued. Consumer advocates rejoiced when Gov. XXXX XXXX in XXXX signed a law that imposed restrictions on car-title lenders. I want to get out of this predatory loan with these people for I have paid over the amount that my XXXX XXXX XXXX is worth. Need some help in getting out of this predatory XXXX of a loan from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a collection which was listed on my Experian credit report in early XX/XX/XXXX. The dispute was with an agency that was collecting on behalf of XXXX XXXX for unreturned phones. 

I had returned the phones to a XXXX corporate store ( # XXXX XXXX, Florida ) in XX/XX/XXXX and kept the receipt from the return. This satisfied my contact with XXXX per th terms. 

I contacted both XXXX and their Collector when contacted in XX/XX/XXXX about the outstanding balance to make them aware that he phones were returned and provided the receipt details. XXXX and the collector said that the phones had not been received in their warehouse. I informed them that this was not my responsibility as I had returned the phones and had a receipt from their company acknowledging receipt. 

When the credit agency reported me to Experian, I filed a dispute. In the dispute I provided the summary included above as well as a copy of the receipt confirming the returned phones. 

I received the dispute results from experience today and they have upheld the outstanding balance and left it on my credit report. I added comment to my file and re-submitted my dispute and copy of the receipt proving return of the phones. I find is outrageous and criminal that Experian has ignored the proof of return and continues to damage my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently starting using the XXXX  app and one I got a copy of my credit report, I instantly noticed an inaccurate address in which I have never lived at and inquiries misreported inquiries for credit that I don't recognize on all 3 ( XXXX, XXXX, Transunion ) of my credit reports. I wrote dispute letters to all three and its been past 30 days since, I mailed to XXXX  on XX/XX/XXXX and Transunion/XXXX  on XX/XX/XXXX. I have gotten no response from the credit bureaus and I have been having trouble getting in contact over the phone. I am looking to build my credit so i can qualify for Housing and this scenario doesn't help. 

XXXX  Wrong Address - XXXX XXXX  XXXX, XXXX, Ga XXXX Correct Address - XXXX XXXX XXXX XXXX, XXXX, Ga XXXX 1. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 2. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX XXXX 4. 
Account Name : XXXX XXXX  XXXX. 
Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  - Non Specific XXXX  1. 
Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  2. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX 4. 
Account Name : XXXX Date Filed : XXXX Type of Account : XXXX XXXX  XXXX  5. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  TransUnion 1. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  2. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX  3. 
Account Name : XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 4. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 5. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  6. 
Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  I attached the letters I sent to the credit agencies,

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 2020-09-02
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I made a payment for a holiday through my BB & T bank account ( XXXX $ ) and due to the COVID I couldnt go. Hotel is unable to pay ... so I contacted my banker ( XXXX ) who was not willing to help much. Not living in the US I had to make a phone call to make a fraud claim and they said I would either get an email or the money would be back to my account in a few days. After 2 weeks I called again and then they say it was denied and they sent a letter to an address that I told them I dont live in the US since XXXX. Apparently they also tried to contact me over phone, which again I dont live in the US since XXXX  and they are not willing to contact via email ... so disappointed with this bank. XXXX from Fraud was not empathetic and he didnt try to help or see the way to fix it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I had contacted my current lender, Freedom Mortgage, about a refinance of my existing loan with them. They followed-up quickly and said they needed to wait for the required VA seasoning period before we could proceed. After that period had passed we reengaged and I was sent a final closing disclosure and scheduled for a closing on XX/XX/2021 at my home at XXXX. I was contacted at XXXX by the law firm and told the closing had to be cancelled because Freedom Mortgage failed to get them the required documents. I contacted Freedom Mortgage that day and learned that they were unable to determine a projected property tax for escrow. I notified them that this was originally part of a trust and that the bill wouldn't be generated until XXXX or XX/XX/XXXX. They stated they would contact XXXX County, SC to get an estimate to use for the tax certificate. Once I had been assured that had happened on XX/XX/2021 I scheduled for a closing on XX/XX/2021 at XXXX at my home. I was contacted at by the law firm at XXXX and told the closing had to be cancelled and to contact Freedom Mortgage for further details. I contacted Freedom Mortgage and was told that they had the same issue about the tax certificate. I had been assured it was cleared up, but surely enough it wasn't. When I spoke to a representative for the " exceptions department '' on the phone I was told they had two different tax amounts and couldn't proceed until they received confirmation from the tax authority. That is now twice in two months, with the closing scheduled 12 calendar days in advance that Freedom Mortgage was unable to execute a scheduled mortgage closing for an IRRRL due to their inability to gather and relate information competently. I have made inquiries to other companies as this process has proceeded causing a dip in my credit scores as well as having to cancel on my required witnesses who had cleared their schedules.

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 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2017-08-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.

Company response to consumer: Closed with explanation