BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2023, Equifax illegally updated my credit score to show that I have a balance of {$390.00} which was false. XXXX. I had a balance of {$0.00} XXXX. The creditor did not yet report my account for the current statement period but, the credit bureau, Equifax falsely came up with a number which dropped my score XXXX points. I contacted my creditor and I was told I had {$0.00} balance but, they're yet to report this score. Upon speaking with Equifax, they told me the amount was reported but this is false because I did not have any balance. They opened and investigation but, my score never went back up XXXX points not was the remark taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was recently bought by Midland from XXXX XXXX XXXX XXXX .When I was with XXXX  I applied and was accepted to the HAF or Homeowners Assistant fund .As I was in forbearance due to covid and losing mine and my wife jobs. The state of Florida Department  XXXX XXXX XXXX the payments directly to the holder of the mortgage what was first XXXX and then now Midland I was awarded 18 future of mortgage payments that started in XX/XX/XXXX till XX/XX/XXXX at 3 payments to XXXX and carried over to Midland on XX/XX/XXXX till stopping XX/XX/XXXX .And I was notified in late XXXX the XXXX XXXX by Mail I was behind on payment and need to submit payment of XXXX XXXX call Midland to report the mistake and get a different answer or deliberately put on eternal hold or hung up on.A few times they will look into it or its been completed my HAF  is over. And just ask for payment .I even gave what I could till resolved they said I had Unapplied funds {$290.00} in my account and I made a payment of {$500.00} on XX/XX/XXXX to pay XXXX Missing payment that they reported to me never received from HAF. XXXXXXXX XXXX went missing as well and warning me late on XX/XX/XXXX and in default .They received XXXX payment from Haf but put it on XXXX making me late for XXXX And Midland said they would open up a inquiry to what happened to my HAF  funds that the state verifide to me by phone twice that the And Midland said never received.They even told me my Haf  has ended All payments have been sent to Midland by The Florida XXXX HAF  Funds and I should still be current. Using only 5 Payments accounted for of 18 payments awarded 3 payments applied to XXXX and 2 Payments applied to Midland and 2 payments missing by Midland .Reported as sent by the state for HAF  to Midland .The state has opened a Inquiry and have not heard back but they only opened it for one payment and will do the 2nd payment once any receivement date has passed. I ask Midland to stop putting me in default remove bad credit reporting and till the inquiries to missing funds and or 2 payments have been returned and applied.

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 2022-11-17
Company: EQUIFAX, INC.
State: NJ
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2022 i was transfer from XXXX XXXX to this company XXXX XXXX since XX/XX/2022 when I started this complain that as I found today havent been resolve, I have lost my job due to the incorrect reporting on my account to the credit agencies, I was denied plenty credit application including the refinance I was trying to do with another companies in order to get rid of this horrible company, the not only report my account status incorrect but they shown that I owe them money when they had all the money that was transfer from XXXX XXXX Still I paid them all as of today and they agreed to send the information to the agencies in order to fix my credit with the truth and the same day I pay the last month I was holding g in order for them to fix this. They reported to the agencies that I was late 90 days when that was completely a lie. I am tired of fighting with this company for over 9 months in order to fix this and they only laugh on my to the point that in XX/XX/XXXX I lost my job because all the bad things they reported incorrectly to my account. I have spoken to 49 agents, 12 supervisor, 7 back-up team members and 2 customer care manager and only supervisor XXXX was the only one that was able to start a real dispute with all the departments involved on this. The same that was in communication with XXXX from the credit department who offered me to pay the month of XXXX which I was holding it in other to force them to fix the issue and he was going to send a letter to the agencies in order to fix my credit. Turns out m, they reported 90 days late the same day and as of today no- financial company, field that I work in, they want to hire me because my credit is a mess and low due to this disaster they made in my life. I am recurring to you in faith that I have the solution in order to clean my name and recover my credit score since they put me in the low level ever. Please help me out. If you need to contact me. Please call me at 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 2023-03-08
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
15 USC 1681 Section 602 States I Have A Right To Privacy. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It Also States a consumer reporting age 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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 instructions of the consumer to whom it relates.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am requesting Nationstar Mortgage LLC to provide copies of documentation of Power of Attorney for   XXXX   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   XXXX   as Trustee. I would like documentation showing they have legal rights to recieve any payments or make any service to this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: SC
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 PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE ON THE FTC REPORT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Selene Holdings LLC
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: Account status incorrect

Complaint:
I was marked 30 days late in error on my credit report. I received a letter from XXXX that my Selene Financial loan was transferred to XXXX Bank. Since the loan was transferred, I made a payment to my new servicer as indicated on the letter-Shellpoint. Please note the attached check, dated XXXX XXXX2022. 
On XX/XX/XXXX, I was notified by a credit monitoring service that XXXX reported me as 30 days late on my credit. On XX/XX/XXXX, my check was returned ( please see attached ). MY CHECK WAS RETURNED 30 DAYS AFTER THE PAYMENT WAS DUE. 
As per Shellpoint, the check was returned because they didn't fully receive the loan transfer from XXXX XXXX. I am asking that this 30 late reporting be corrected as it resulted from a loan transfer delay. It was not clear as to who to make the payment to and I made the monthly payment to XXXX t prior to the loan being fully transferred. 
This error occurred due to the fact that my loan was transferred from one bank to another and I certainly shouldn't be held liable for this mishap. Had this loan remained with XXXX, this issue wouldnt occur. Since the loan transfer was initiated by the bank ( without my knowledge or authorization ) I am asking for the 30 day late correction on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I got a car to XXXX XXXX in XXXX, California and Lobel, financial finance the loan and XXXX XXXX use my {$2500.00} down payment to pay off their fraud fees to the California DMV and then I have to turn around and pay {$260.00} to the DMV to get a full years registration, which was included in my loan agreement XXXX XXXX lied to Lobel financial about the state of the car and Ive had to pay thousands of dollars to repair it and Lobel financial refuses to put me in a new car or cancel the loan on this one and get me a new one or either way the loan costs more then the car and I want the loan forgiven since I have had to make all these extra repairs and and loan now costs more then the car and I want to be compensated for the fraud that XXXX XXXX and Lobel committed in order to keep me in this car. I only got this car five months ago and I had to pay more and repairs and fraud fees because of Lobel and XXXX XXXX in the car is worth, so I think i should own it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Flagstar closed my checking account due to my having a {$0.00} dollar balance for over 90 days. I am fine with this. I had opened an account elsewhere after they had two data breaches within 6 months of each other and my personal information was exposed twice. I was in the process of closing this account myself, so I don't have any issue with them closing it. My issue is that as soon as they closed it, I was unable to access my past statements via their website EVEN THOUGH I could still log in ok. After numerous calls and chats with their reps, I was told they could mail me copies but for a fee of {$5.00} per statement. One, I don't want physical copies, I want digital copies to to store with my other statements from them. Two, I am not asking for years worth of statements, I only want the past year before closing. Three, I have a right to my statements and there is no reason to not allowing me to digitally download them, other than for them to exploit me. Four, it's tax now time, and I don't have access to my financial records. This should be illegal.

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 2023-02-15
Company: Duvera Billing Services, LLC
State: TX
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 had my account on auto pay and didn't have to worry about manually making the payments. Once I see the payment was missed in XXXX for XXXX, I asked them why it was turned off of auto pay and if they can remove it off of my credit and they said no due to it being expired? Its hurting my credit and the account is up to balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXX XXXXXX/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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I used to have a XXXX checking account from XXXX onwards. I left us in XXXX and in a few years time, my account with XXXX $ in it was gone. My social security no is XXXX. I contacted them and they said they have no record of the account. I have a cheque book from them to prove it. 

Thanks 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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have hard inquiries on my credit report The names of these hard inquiries are Capital one & XXXX the dates of the these fraudulent inquiries as of today. 

capital one auto finance XXXX Sales financing company XXXX On my XXXX i currently getting it disputed Im trying to get a police report, I was told to file a police report. Also on my XXXX I have only three hard inquiries they are capital one ( bank ),, capital one auto finance and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: VA
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:
My credit repair XXXX have sent in multiple documents to XXXX, XXXX, and Equifax as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, XXXX and Equifax about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all XXXX companies. 

Everything that I have ever filed will be attached to this complaint for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BUSEY BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Busey bank claims they closed my account but I had requested to close account after switching financial institutions. I come to find out 2 years later that they sent my account to collections for an unpaid balance and have been charging me fees. I have never been made aware of this prior to last Thursday. I have reached to fork with and see if any fees could be waived but they declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: PA
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:
I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, Experian and XXXX onXX/XX/XXXX and every 30 days up until presentXX/XX/XXXX I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter 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 2023-02-24
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I took a car out with credit acceptance about 8 years ago..I got into an accident the car was deemed a total loss and my gap insurance paid the car off in full amount.Credit acceptance reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and credit acceptance still has a hold on my credit I believe this is based on XXXX profiling as I been told by many dealers

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 2023-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We have a Bank of America Fundamentals Business Checking Account for our multi-member XXXX. One of the members and shareholder/my brother, had been following up with boA multiple times regarding a set of fraudulent transactions that occurred in XX/XX/2022. 
BoA did cancel our cards within 2 days. 1 ) However, they took forever to refund us the fraud transactions, and still haven't refunded them all to date. Due to this, we are being charged {$16.00} every month as low balance fee since XX/XX/2022. We are intentionally not adding more balance in the account in fear of more fraud activity. Until we receive our refunds, we can not add more funds. ( But they are still charging low balance fee ) 2 ) { 6 transactions on XX/XX/XXXX, XXXX on XX/XX/XXXX }. Out of these, transactions of 2 of the vendors were refunded on XX/XX/XXXX. But the remaining XXXX were never refunded to date, despite my brother 's multiple phone calls to follow up and request the refund.

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 2023-01-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
As soon as I received the XXXX bill on XX/XX/2022, I contacted the company and report this account was opened and charged with identity theft information. I have also reported to FTC and filed the fraud alert on my credit report. However, the company keeps sending me bills and charging me interest and late fees though I didn't have any agreement with the company.

Company response to consumer: Closed with explanation