BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: VA
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:
on XX/XX/2022, and XXXX XXXX, I have sent XXXX XXXX, XXXX and Experian, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXX, VA XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my Virginia Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.

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 2022-07-28
Company: EQUIFAX, INC.
State: NV
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX i believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, We are trying to process a short sale on this Property XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX currently holds this mortgage Loan number XXXX. We have submitted all documents needed to see if this loan could get approved for a short sale since the banks bpo came back at XXXX and we have a contract price of XXXX. We call XXXX a week and they keep telling us in review, call the next day no doc received, call the following day this file not in review, we will escalate and call back a few days later and here the same nonsense. they are waiting for auction to be scheduled and not cooperating with the sale. This is a bank and the lack of customer service skills is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony XXXX XXXX ( XXXX XXXX XXXX ). 
When a promotional purchase is made on XXXX, Synchrony advertises equal monthly payments with no interest, versus a payment in full. 

Given the volume of transactions that Synchrony processes through their online system, It is fair to say that their payment allocation options are intentionally inadequate and crafted to maximize consumer error. 

The basic expectation from a consumer 's perspective, is that Synchrony provide a simple way to auto-pay a promotional purchase ( over 1 year for example ) while still allowing the auto-payment of the required monthly balance related to other purchases. 

Synchrony does not do this. Instead, Synchrony provides a hierarchical payment allocation method like " Allocate Payment to Non-Promotional Balances First ''. 

After making a promotional purchase, a consumer that previously had Auto-Pay setup to pay the required monthly balance in full, now has to remove that form of auto-pay and select the correct allocation. Then the consumer needs to review their purchasing activity, locate the promotional purchase, and calculate their monthly payment for the promotional purchase. Then the consumer needs to go back and review their total balance and figure out how much to set their auto-payment amount to so that they will not incur penalties. And finally, the consumer needs to make sure to login each month and update and re-calculate their auto-payment amount If they make additional purchases.

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 2022-09-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I'm being charged penalty fees for my Dillards - Wells Fargo account, even though my balance was paid last month. 
On XX/XX/XXXXXXXX XXXX I paid Dillards West Fargo phone system the amount of XXXX dollars from my XXXX Account. 
Just recently, I started to receive delinquent calls from XXXX XXXX demanding a payment for delinquent fees. 
I stated I had paid the XXXX balance on time and I had the record. 
After 2 hours of dealing with their system and customer service, they could not acknowledge my payment and requested a fax with the bank statement. 
Their customer service is deficient and does not keep accurate track of the incoming payments.

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 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I applied for a credit card called BoA Cash Rewards from Bank of America ( BOA ) in XX/XX/XXXX, I has been charged for annual fees of XXXX $ per year from XXXX to XXXX ( total XXXX years, total XXXX $ ). 

However, until recently Im informed by the banker that this type of credit card by BOA is free of annual fee. I contact with BOA, the custom service of BOA admits its not right to collect the annual fee, however, they are only willing to waive the annual fee in future ( XXXX ) without returning the previous annual fee. 

References 1 Web site of BoA Cash Rewards now called Bank of America Customized Cash Rewards Credit Card Annual Fee {$0.00} https : //www.bankofamerica.com/credit-cards/products/cash-back-credit-card/? campaign=4051253~FR~en_US 2 Terms of this credit cardAnnual Fee None https : //www.bankofamerica.com/credit-cards/terms-and-conditions/? campaignid=4051253 & productoffercode=FR & locale=en_US

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 2022-06-07
Company: Experian Information Solutions 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:
These accounts do no belong to me, please block and remove per 15 USC 1681c-2

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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.

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 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 2023-09-18
Company: OneMain Finance Corporation
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is One Main Financial a sub prime lender of personal loans to customers who don't qualify at XXXX or XXXX. 

I reported that my District manager told me to ignore written company policies on contacting customers. XXXX XXXX told me to use the wrong call status code for customers who hung up on me. XXXX told me to use " no answer '' instead of " Call dropped ''. The difference is simple. With call dropped code you can not call the customer again as a Right XXXX contact is logged. By entering no answer we continue to call a customer who obviously didn't want to talk to us I reported this and other violations to XXXX XXXX XXXX weeks ago. Today I was terminated for absenteeism. This was retaliation and an attempt to get rid of their compliance issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Mr. Cooper Group Inc.
State: MN
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:
Mr cooper mortgage put a negative report on my credit without notifying me of one late payment, no calls or letters was sent to me to remind me of the late payment. I'm on a process of closing on my new home which is suppose to be on the XXXX of this month. 
Please I want this issue to be resolved because the negative impact they made to my credit score is not fair to me and it's unacceptable. 
The late payment happened due to miscommunication between I and the representative when I make a payment arrangement with them in XX/XX/2022. 
The representative that I spoke to did not explain thoroughly to me about the payment, I tot I will start my regular payment in XXXX not knowing that It start in XX/XX/2022.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Westcreek Financial
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have had a lease set up with koalifi. At the beginning of the lease I was not allowed to make payments I contacted the company and the timer had not started yet. Then I was allowed to make payments. I continued making the payments until I got the number low enough to some thing I could pay off in one lump sum. I contacted the company to pay off the loan. After I was hung up on a few times I finally got through to somebody and they informed me that I had missed the deadline. I was never formally given the deadline. I have paid {$2300.00} of a {$2700.00} loan. Im ready to pay the remaining XXXX but instead they want XXXX and thats criminal for being five days late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX org amount {$7000.00} XX/XX/XXXX new amount {$10000.00} Contacted IQ Data International XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- XXXX. 
XXXX XXXX XXXXXXXX AZ Ask for medical release due to emergency XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went to 4 bank of americas XXXX would not pick it the phone. Looking for account number checks deposited in 2013.

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 2022-11-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, My name is XXXX XXXX and I've been a PayPal ( PayPal email : XXXX ) user for XXXX plus years at this point, and have been using it as my main payment processor. Earlier this year ( XXXX of XXXX ) PayPal limited my account for the first time and requested that I provide them with in depth transaction details, business information, explain the nature of my business which I did and within next few days my PayPal Account was UNLIMITED and returned to its original state. ( Screenshot will be attached below )! 

6 Months after that ( on XXXX XX/XX/XXXX ) PayPal permanently limited my account once again without any option to appeal it at all. I've tried reaching out through support and e-mails provided to me without any success, I've only been provided template responses ever since, with them refusing to disclose reasoning behind the limitation. 

I'm the owner of a XXXX XXXX XXXX ( XXXX XXXX XXXX ) which provides its clients with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which entirely complies with PayPal 's Policy and Users Agreement. 
( Business Registration and Info will be attached below ) I've been using PayPal as my main payment processor since I started my Online Business ( back in XXXX ) and my operations never shifted, since day one I've been providing the same exact service to all of my clients and some of them have been paying me through PayPal for years which says enough about my business practices. 

I've got a legal entity registered under my name in my Country of XXXX ( Legal Documentation Provided Below ), I'm managing a Legal Business Operation and my business produces on average over XXXX Transactions Per Year with a Chargeback rate of under 0,01 %, and it's been like that for XXXX plus years. 

With PayPal 's most recent actions they froze XXXXXXXX XXXX of my available balance, money can't be sent, withdrawn or used in any shape or form. This is an illegal action since you've already reviewed my account a few months ago and everything was fine. 

So if you already want to part ways with my business you have to allow me to withdraw funds that were on the balance when you initially asked me for my business details 5 months ago. Since obviously according to you everything was fine back then. You are only legally allowed to freeze funds that were made after that period and your review. 

I'm really looking forward to being able to work this out with PayPal and provide them with any sort of evidence they might need since all of my products and services are 100 % legal and don't break any sort of XXXX. 

If PayPal keeps on ignoring my requests like they did until now i'll be more then happy to proceed Legal Action against them and Contact Legal Entities responsible for paypal 's practices! 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief