BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NJ
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'm deeply concerned about how my rights as a consumer are being violated due to the unauthorized and inaccurate information being reported on my consumer report by Experian, XXXX, and XXXX. It's incredibly frustrating to see these credit reporting agencies mishandle my personal data, especially considering their crucial role in assessing my creditworthiness. 

The fact that unauthorized information has found its way onto my consumer report is a clear breach of my right to privacy. I've always believed that I have control over my personal information, but with this inclusion of accounts I never opened and activities I never engaged in, my privacy is being compromised, leaving me vulnerable to potential identity theft or fraud. 

What's even more disheartening is the impact of these inaccuracies on my right to fair and accurate credit reporting. I've always strived to maintain a good financial standing, knowing how crucial it is for my future endeavors. However, with Experian, XXXX, and XXXX reporting inaccurate information, my credit profile is being distorted. This can lead to unfavorable credit decisions, higher interest rates, and even difficulties in securing loans or finding employmentultimately hindering my financial opportunities. 

The repercussions of these violations extend beyond my immediate concerns. They have the potential to harm my reputation and overall financial well-being. Lenders, landlords, and potential employers often rely on credit reports when making important decisions about my eligibility. With unauthorized and inaccurate information tarnishing my credit profile, I XXXX face loan denials, higher interest rates, housing rejections, or missed job opportunities. It's disheartening to think that these violations can have such long-lasting effects, hindering my ability to achieve my goals and maintain financial stability. 

In light of these violations, it's crucial for me to take immediate action to rectify the situation and ensure that my consumer rights are protected. I need to assert my rights to privacy, fair credit reporting, and the opportunity to dispute and correct errors. By doing so, I can work towards restoring the integrity of my consumer report and safeguarding my financial future.

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 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Several months ago our joint checking account in Bank of America was compromised, Bank of America put a freeze on this account that ends in XXXX. 
There is a balance {$3000.00} in this account, I made an appointment in their XXXX, Ma. Branch office to transfer the funds from frozen account to new active account, the branch manager told me she cant do it, and I have to call their fraud department, XXXX. 
I have been calling this number for the last three days, every single day I am on hold for almost an hour, I have other things to do besides listening to their music. 
Please help. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2017 to the present we have been charged a corporate advance fee with a total amount exceeding {$27000.00}. We have been told that this fee covers fees charged by the servicer but have never been given an itemized statement showing why these fees are justified. We have had problems through the years with employment, change of employment, lack of employment, health issues and reduced income. We are currently in a payment plan and on two months from being done, our payments are {$1400.00} a month for 6 months. 

We are seeking an explanation an audit of our mortgage, money to be returned or credited back to our account and the information to contact our servicer ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AMSHER COLLECTION SERV Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I contact the company and did not get what I was requesting. On XXXX, this company requested a payment of {$2100.00} and to my knowledge I've never signed any contracts with this organization for them the request payment from me. I would like to validate this debt. This debt is affecting my ability to utilize my right to attain new financial products and it is also violating my right to financial privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: WELLS FARGO & COMPANY
State: TN
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:
Wells Fargo claims that I have a late payment when all of my payments were automatic withdrawals. The very last payment was a payoff of the entire loan in full. However Wells Fargo contest that there was a late payment when there was actually a pay off. 



This information does not show on any of my credit bureau listings and files however when I have applied for credit or a loan this is white the denial letter says from these individual loan products or credit products.

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 2022-12-13
Company: SYNCHRONY FINANCIAL
State: OH
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:
I submitted a payment to my Synchrony credit card through XXXX. I have made multiple payments to this credit card, some more than the {$400.00} I just submitted, and have had no issue. For some reason, the {$400.00} payment I made to the card has a hold on it through the credit card company. I have never heard of a hold being placed on a PAYMENT towards a balance. I called the credit card company, and they said the hold would be removed 8 days after I submitted the payment. So all of the bills I tried to pay with this card can't go through until they remove the hold. Now I suffer late fees because this bank arbitrarily decides to hold payments. Why would a company deter you from submitting payments frequently and on time??

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This letter is to request that you remove inaccurate information from my credit report. This inaccurate information has affected my chances of getting loans and credit. For your convenience, I am sending you the proof that the items are inaccurate in case you need to verify them prior to removing them. The account I am referencing to is XXXX XXXX XXXX ( Account # XXXX ). 

On XX/XX/2022, I received a letter from XXXX XXXX XXXX that the obligation was paid in full in their office on XX/XX/2022.

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 2019-07-23
Company: Experian Information Solutions Inc.
State: AL
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:
This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called XXXX XXXX XXXX and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/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 non-monetary relief
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: AL
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:
This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called XXXX XXXX XXXX and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: General Motors Financial Company, 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 information incorrect

Complaint:
I was involved in an accident in the vehicle on XXXX/XXXX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to GM Financial by XXXX XXXX XXXX XXXX per a phone call on XX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, GM Financial has reported my account as being past due for 30 days to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
NOTE : ADDENDUM TO CASE # XXXX Re : Addressing the mishandling and suspected unfair, coercive, and deceptive practices of Bank of America in violation of consumer protection.

In addition to my original complaint explanation, the following is to be included. 
A final response from Bank of America occurred in late XXXX which to date CFPB was unaware of when I contacted them. The Bank representative stated that she was calling to inform me ( 4 months later ) that my late fee would not be refunded because your statement was mailed to your address and she repeated my address to me to validate her claim! This was the 5th Bank employee that read the scripted response AND each one telling me that the way to prevent this from happening was to receive online statements. I know I never received the statement and I told each person I didnt and that I dont want online statements. This was the common theme from Bank of America ... .online statements. 
I restate that I have never been late with a payment. My credit history speaks for itself. I paid the balance immediately over the phone. I never received a statement. And it is obviously a red flag that a one time courtesy was not offered! Since my original filing with CFPB, Bank of America has sent out an email to its clients warningin essence that the US mail system could greatly affect banking transactions. The defensive approach by the bank is personally apparent regarding my complaint and smacks loudly of coercion. 
Now : I offer below photos of deliveries and mail I received at my address in the past four weeks that were delivered to the wrong address. Four pieces of mail there were not mine, a sympathy vase of flowers for some grieving family, a meal order that was someone elses dinner, and to top off all the mail/package delivery errors ... a packed-in-ice case of my husbands XXXX  that was delivered two streets away! 
For Bank of America to stand haughtily in the way of what is fair and right claiming because they mailed the statement and i therefore received it, is something that needs further investigation to determine whether there is a pattern of enticing consumers to enroll in online statements.

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 2019-04-23
Company: ID Analytics, Inc.
State: NJ
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:
Sagestream LLC They are asking for info about me that I am not comfortable giving them in order to receive a copy of my credit report. XXXX, XXXX, and XXXX don't make it so difficult.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: CAVALRY INVESTMENTS, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is a continuation of a previous complaint against Cavalry Portfolio Services wherein I requested that they send me validation of an alleged debt. I do not have a contract with Cavalry Portfolio Services and to date they have not been able to prove otherwise. After my previous complaint was closed due to Cavalry stating they would mail me validation of the debt Cavalry Portfolio Services sent a letter to me dated XXXX XXXX, 2017 attaching a copy of billing statement. I requested that Cavalry send me a copy of an agreement bearing my signature wherein I made a promise to pay Cavalry Portfolio Services. To date I have not received this information. I do not have a contract with Cavalry Portfolio Services and I would like the negative listing removed from my credit report with all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX XXXX is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe. 

If XXXX XXXX is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Receivables Management Partners, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I incurred a medical bill of {$490.00} from XXXX XXXXXXXX XXXXXXXX XXXX Hospital on XX/XX/XXXX. I paid the bill in full. 

On XX/XX/XXXX, I received a letter from XXXX RXXXXP, dated XX/XX/XXXX, claiming that I owe a balance of {$220.00} to XXXX XXXX XXXXXXXX XXXX 

I called The XXXXXXXX XXXX XXXX Hospital billing number on XX/XX/XXXX and was informed that my balance is {$0.00} and that my bill was paid in full. I was further told that The XXXX XXXX XXXX Hospital has no relationship with XXXX RXXXXP. 
I got a phone call today to ask for my identification information. I asked what the company name was and they refused to give it to me at first. Then they confirmed that it was XXXX RXXXXP calling for my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Credit Technologies, 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:
There is an inquiry from Credit Technologies that I did not authorize on my credit report. I have contacted this company several times to resolve this issue but have gotten no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX Chase posted a withdrawal of {$81.00} from my checking account with description " NON-CHASE ATM WITHDRAW XXXX XXXX XXXX  ". Since I didn't recognize this transaction, I messaged Chase customer service to ask where and when this withdrawal was made. The first written response from Chase stated that " we are unable to provide you with the location of the ATM where the withdrawal was made. If you did not authorized this and wish to dispute the transaction in order to assist you better please call our Customer Claims Department at XXXX ''. I then proceeded to call Customer Claims Department and they said they would start an investigation and gave me a temporary credit of {$81.00}. On XX/XX/XXXX Chase denied the claim with a new letter ( attached ). I called Claims Department again and asked an explanation. They advised that the withdrawal was made at XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX at XXXX and that the PIN code was right at the first attempt, which to them is sufficient proof of this being a legitimate transaction. However this means that my debit card was cloned since I could not have possibly made that transaction as I was at home with guests that night and have never been in that part of town, moreover there is no ATM or any business at that address. I explained the above to the Chase Claims Department representative and escalated to a supervisor, but Chase still refuses to accept the claim. Besides the fact that my guests can testify that I was at home that night, most importantly there is no ATM at the address that Chase provides, which proves the fraud nature of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/2023 I have communicated to equifax, XXXX, XXXX about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NC
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:
My credit union has tried to pull my credit report from Equifax but was unable to because of some kind of freeze or lock on the report. I have spent over two hours over two days trying to communicate the problem with their customer representatives but have had no luck. I have asked for a supervisor twice because the representatives are from another country and barely speak XXXX and only can read off of a script. Since the credit union can not access my report they are unable to complete the loan request. 

Equifax needs to fix this problem,

Company response to consumer: Closed with explanation