BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: ONEMAIN FINANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX 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 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 explanation
Consumer complaint received 2020-01-06
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
This company was not supposed to report anything on anybodys credit bureaus for the set account prior to XXXX 2019 per their letter they reported negative information on my report before the date of that letter I disputed it with them several times and also received a letter from them stating that I was correct in that it would be deleted off of my report they have never done that and continue to tell that credit bureaus that its accurate and its not I would just like the delinquency is removed and it reported from XXXX forward as promised by there later

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 2020-01-06
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

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 2020-04-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased two train tickets for XXXX to XXXX through XXXX. As a result of travel restrictions issued by the XXXX due to Covid-19 I was unable to travel to XXXX. On XX/XX/XXXX I contacted XXXX XXXX to cancel my train ticket and ask for a complete refund. XXXX has a no refund policy and under normal circumstances I wouldn't ask for my money back, but these are not normal circumstances. Also, every other travel organization I booked for this trip to XXXX gave a full refund. 

I was first told that I would get no refund and after a few emails was told 50 % refund on XX/XX/XXXX. I wanted 100 % back. So I disputed the charge with my credit card institution, Navy Federal Credit Union. I received a letter in the mail yesterday, XX/XX/XXXX, stating that I lost my dispute and the case had been closed. Again, if these were normal times I would agree with the decision but I don't accept it now. 

Two points here : 1 ) Don't use XXXX to book travel and 2 ) don't use Navy Federal credit cards if you think you will ever submit a legitimate dispute. Not only is their website cumbersome to navigate, it hasn't appeared to me that Navy Federal supports its customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper has failed to have proper procedures to safeguard against unauthorized autodrafts for customer 's mortgage payments. In XXXX they charged me for 3 mortgage payments. In XX/XX/XXXXit has happened again, FOR A THIRD TIME this month though there weren't enough funds in the account for the third unlawful payment draft. 

XXXX {$1300.00} taken from my checking account after autodraft with previous mortgage holder had been revoked. 
XXXX {$1300.00} again taken from my checking account. Paper check had already been processed for XXXX mortgage payment, however, 2 additional mortgage payments were deducted. Amounts were credited back on XXXX and XXXX. 

Mr Cooper as well as my bank ( XXXX XXXX XXXX  and XXXX XXXX ) were advised that the previous autodraft authorization had been revoked by me, by phone and online with XXXX XXXX and was no longer in force. I was advised that the problem had been handled. 

On XXXX payment was submitted through online banking for {$1300.00} On XXXX, Mr Cooper again autodrafted my bank account for another {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
Experian just keeps saying that I have already disputed the issue with XXXX XXXX, the problem is that they have 4 different accounts listed, when it should only be two. They are allowing them to have duplicate accounts with the same account number and 3 different amounts. I told them to correct the amount and remove the duplicates. All they keeps doing is saying I disagree with the information, but no one is looking at they fact that this was a debt bought and they have the wrong amounts and are able to have it on my report 3 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Shellpoint Partners, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My mortgage loan with Shellpoint Mortgage Company was in deferment during Covid in XX/XX/2021. I contacted Shellpoint to remove the deferment as of XXXX I went through a trial period and passed. I was later offered another plan that would reduce my payment and negate the current plan. My mortgage resumed active status in XXXX after a FedEx package was delayed due to XXXXCovid related delays. I now have late reporting on my credit report due to the mishandling of my file. I was originally told that the lates would stand because I missed a XXXX deadline. I later have an email and tracking number that states the package would not arrive to me until XXXX. I was told the negative reporting would stand due to not being returned by XXXX when the package had not even been received by XXXX. I am now experiencing major delays on my new build because of these erroneous reports and I am unable to speak to any one at Shellpoint who has the authority or the want to help resolve this issue.

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 2020-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I used an Access Check for a 0 % offer on my Bank of America Alaska XXXX card for {$2100.00}, which posted to the account on XX/XX/XXXX. I paid a 3 % fee as promoted. A scan of their access checks & its language ( front & back ) is attached. No where does it state that B of A will start charging me interest on my regular purchases from the date of the access check. Usually one has a free month to pay the credit card bill. I pay off my purchases each month. 

The credit card bill for XXXX XXXX arrived. It did not show a minimum payment for just the Access Check amount. I called B of A Customer Service to ask about this and was told by two people that there is one minimum covering both purchases and Access Check amounts and that B of A was charging their standard 18.49 % on purchases from the date the Access Check posted. The statement does not CLEARLY state this and the language on the Access Check does not, either. I pay off my purchases each month and wanted to pay a minimum on the access check each month. 

I would not have used the Access Check has I known that B of A would start charging me on my purchases and take away my free month to pay. 

This is very misleading and unethical marketing. I scrounged around and paid off the whole balance to be rid of these people. I would like you to pursue this unethical marketing.

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 2021-03-24
Company: Self Financial Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had an account with SELF FINANCIAL INC / XXXX that was Opened XXXX XXXX, XXXX that I had made 94 % of payments for this account on time. Upon rendering the account paid in full, it seems as it caused the account to reflect an Worst Payment Status 30-59 Days Late during the process of closing my account as paid in full. CLOSED XX/XX/XXXX OPENED XX/XX/XXXX ... .it shows Payment Due Date XX/XX/XXXX but there was an active Paid in full in progress to pay off the balance. XX/XX/XXXX Payment {$89.00} posted. If that was the case, when I inquired prior to the PIF, I was not made aware that a monthly payment should have been rendered prior to ensure there was a a late pymt rendered on my acct. I was rendered incorrect information by self lender agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with Citi Bank and fell behind. The last payment was made around XX/XX/XXXX. The account was closed XX/XX/XXXX due to past due statue. There was a deficiency balance which was included in the bankruptcy but the statue of limitations passed since the account first became delinquent 10 years prior to XX/XX/XXXX of this year and the statue is only 7 years from when the account first became late and never again became current. It has been disputed with the bureaus as well. The issue appears to be with Citi since all three credit reporting agencies are reporting the account. I have attached the letter to show you the timeline. Keep in mind the account shows closed as of XX/XX/XXXX but it was delinquent prior to that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: FL
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:
unauthorized inquiries. these need to be removed 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 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 2020-01-06
Company: EQUIFAX, INC.
State: FL
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:
unauthorized inquiries. these need to be removed 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: General Motors Financial Company, Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been trying to get a break for the deferment from GM regarding my loan. I have asked to pay with out any documentation which the collection agents in XXXX say they dont need to send. The reason why is I am questioning the amount that they are charging for a two month deferment. Another issue is that on my last complaint. I am was tired of paying fees to pay my car note. There response was a basic cut and paste, pay by ACH which has been disabled due to an bank hacking issue earlier in the year. I have been making the payments with my debit card and getting no where getting the restriction lifted on my account. I have provided GM with information regarding the issue and still no resolve, they just want the fees charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the last year I have had a Santander account that does not belong to me reporting to XXXX and XXXX agencies. I have contacted Santander and was told there was no balance associated with me, but that my name, date of birth, and social were on file. I made them aware that I have never applied for any credit from them, or previously had an account with them. I also contacted the credit bureaus and was told this was fraudulent information, and that upon contacting the creditor this issue would be resolved. I was told by Santander almost a full calendar year ago that i would receive a letter in the mail detailing how they received my information and i have yet to receive this. XXXX was able to confirm this account did not belong to me, and months later reinstated another Santander account in the form of a credit card with different dates and balances. I have been kept from following through with my mortgage because of these constant challenges with a creditor who is not willing to respond with any valid information or work with a person who has been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained forbearance during the COVID-19 quarantine from Wells Fargo. 

I was told that I would be able to make payments as a result of asking for a short-term payment suspension ; I have the call recorded and am willing to submit the call as evidence. 

Now I am unable to make a payment despite being told by an Agent of Wells Fargo that I would be able to make a payment.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
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 US BKPT CT CA 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 an 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 explanation
Consumer complaint received 2022-06-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed that i had a collection account on my credit reports that i don't believe is mine. I disputed it and the credit bureau says it's valid. So i contacted XXXX for a validation of debt and no response, i sent 2 emails and no response. My lawyer sent a letter and called, no response. XXXX XXXX XXXX sent a demand letter for debt validation awaiting to see if they receive. the emails I sent are attached XXXX XXXX XXXX ( medical coll ) # XXXX {$520.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Professional Finance Company, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Professional Finance Co. is in violation of my federally protected consumer rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have an American Express Serve pre-paid debit card. I use it for Direct Deposits and some online billing. I on occasion use an ATM. There has never been any issues with this account. On XX/XX/XXXX, I logged onto my mobile app and noticed that my account balance was very low and not accurate. There were 5 unauthorized ATM withdrawals totaling {$710.00} plus fees. I was in possession of my card and did not use my card that day. The App doesn't tell you the times of the transactions just the date and amount. I immediately called AMEX to report this. My account was closed and a new account # was issued. I was asked a number of questions by the representative at the call center. I was asked how someone could obtain my Pin number. They made me as if I was the thief and responsible for these transactions. How would I know how some thieves stole my credit card information. I was obviously very shaken and upset. To me that is a lot of money. I have never shared my information, account number, card or pin with anyone. I filed a dispute. My dispute was denied on XX/XX/XXXX stating that no error occurred and that the transactions were authorized. I called and disputed this again. I received another email on XX/XX/XXXX stating again that my dispute was denied. They would not be issuing me a credit to my account. I filed a police report and submitted all my documentation. I can not get any information on how they investigated and came to this decision. Bottom line is that in an email I am told the decision without any explanation. I would like to know why video surveillance was not obtained in their investigation. There are video cameras at ATM 's and XXXX stores. Attached are my time stamped documents documenting where I was at the times of the withdrawals. I am very disappointed in American Express for their negligence and the way I was treated as a customer. That was my own money in that account. I am a XXXX  mother working XXXX jobs. A month later I am still without my {$710.00}. To them they do not care how I have been violated. This is a very scary situation and American Express allows their customers to feel helpless and continues to allow fraud to be accepted.

Company response to consumer: Closed with explanation