BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-18
Company: CORELOGIC INC
State: NY
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:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. 
If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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 a late auto pay payment in 2017 on my Bank of America credit card that I rectified and paid out of my Bank of America checking account immediately when I noticed the automatic payment did not go through. This incident is still showing up on my credit report and negatively affecting it. This late payment was made back in 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Bayview Loan Servicing agreed to do a new appraisal 2. The value agreed with the offer of {>= $1,000,000} 3. Bayview denied some costs, but the agent will pay the costs from the Real Estate commission. 
4. Bayview Loan Servicing indicated to give approval if some seller costs will be paid by someone other than them. 
5. Why are they are desperately trying to sell the property at Foreclosure Auction at the same price, but refusing to give approval for the current buyer to close. 

1. Bayview Loan Servicing gave conditions for approval and the conditions were accepted by the seller and the buyer, but they are delaying giving us approval, so that we can close, despite the fact that we have accepted their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received any confirmation on how you have verified the alleged account attached in Exhibit D through H and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ***

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 2020-01-18
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used Bluebird by American Express bill pay to pay my XXXX XXXX  Consumer loans account on XX/XX/XXXX ... .I found out 2 to 3 days later that it was sent to the wrong business. I canceled the transaction because it was the wrong business and the wrong address on XXXX XXXX XXXX. They told me it would be 10 days to investigate it. Today they told me it would be another 10 days to investigate even though I have no business with the company that " received '' the money. These people are holding my money hostage all while making my creditor wait for payment. This is damaging my credit. I WANT MY MONEY BACK NOW! They are collecting interest off my money at my expense this needs to be investigated!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX a purchase was made on my Sears Store credit card. At this time there was a special interest free promotion for two years in which we participated. During these two years we continued to make our regular monthly payments of interest + capital and it was our understanding that these monthly payments were being applied to the overall credit balance including items which were part of this promotional offer. We identified today that this was not the case and therefore in XX/XX/XXXX an interest charge was applied to the account of {$800.00} against an original purchase cost of {$1100.00} which is in effect interest of 73 % over the two years. 

We were told today that on the online statement that it was possible to see that our monthly payments were not being applied to the promotional offer items but this was not identified during the entire 24 month process. At no time were we informed of this or the impact of these charges not being applied. When we agreed to participate in the offer we were also not informed that we would need to do anything other than to continue to make monthly payments. 

We are in no doubt that we along with likely a large number of others will have been caught in this deception and will have interest rates applied which look like figures applied in an extortion racket. 

When we spoke the the Account Supervisor ( the most senior person who would speak to us ) we were told that there was zero they could do and that this was our fault for not realizing that our monthly payments were not being applied to the promotional balance.

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 2022-07-04
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 EQUIFAX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX/ XXXX account # XXXX ...., XXXX XXXX XXXX XXXX XXXX account XXXX XXXX ... XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the last year I've been banking with TD Bank. The day I opened my Personal Checking Account, I opened the online banking service account. Initially, my transactions would reflect the date it began pending, now it doesn't. Normally, banks allow you to click on a pending or cleared transaction and see the Merchant reference number, now I can't. Since I opened the account, I've had to change the password twice ( out of the blue ). I tried logging in, couldn't, and was told to dial ... .... Upon doing so, I'm not convinced TD Bank Representative really assisted me or it was an impersonator, the person who has caused all of these Bank problems. 
In conclusion, today I saw a transaction for {$10.00}. I don't recognize it. So, I clicked on it to see what day it began pending, and I can't even do that. So, I'm convinced this is no longer an online account by TD Bank. It's more of a fictitious account with " JUMBLED '' transactions. And transactions being on hold for a few days so that nobody can see that I spend money 7 days a week and I'm really entitled to my real account. 
In conclusion, what should I do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Exeter Finance Corp.
State: NY
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:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: SYNCHRONY FINANCIAL
State: MO
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:
SYNCB/TJX CO Dual Card pulled my credit without my permission on XX/XX/2022. I am requesting they correct this inquiry by removing it from my credit as shown via XXXX XXXX Credit Reporting Agency immediately. In addition please provide a statement verifying the error was corrected.

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 2020-01-18
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature from Franklin Collection Services Account Number. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
State: MI
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 contacted all 3 credit reporting agencies after discovering possible identity theft. Equifax refused to place a freeze because I may have answered a question wrong. No problem with XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt collection validation letter to this company on XX/XX/2019 their response in their letter they sent back to me clearly violates my HIPAA rights because I never signed the HIPAA release form with XXXX XXXX XXXX, XXXX, to share my information with Optimum Outcomes , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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: 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: BARCLAYS BANK DELAWARE
State: TN
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:
I contacted my credit card company on XX/XX/XXXX about a purchase I made on XX/XX/XXXX. I purchased three products from a kiosk, owned by XXXX XXXX, at a shopping mall in XXXX, TN. The products were demonstrated by applying them to my face and after the sales person reduced the price three times I finally purchased the products for {$380.00}, good for today only. After the purchase the sales rep said she would email me the instructions on how to use their product. When I returned home the next day I opened my products and read the instructions the sales rep. XXXX had emailed me. The first this I noticed was the instructions on the product box were different from the instructions from the sales rep. Her instructions said to use " once a week '' the box said " Daily application ''. There are other discrepancies like the sales rep saying the product contained collagen, but its not listed in the ingredients. I decided to go ahead an try the product I had because it had worked well at removing the bags under my eyes. The sales rep told me to apply before bedtime which I did. As soon as I applied the product I could tell it was not like the product she had applied to my eyes at the mall. I left the product on my eyes overnight and when I got up the next morning the skin around my eyes was irritated, red and wrinkled. This product is horrible and it was obvious the product was very different than what the sales rep said she was selling me. When I looked at the sales receipt I noticed on the bottom it stated " No Refund. Exchange only within 14 days with unopened product '' I contacted my credit card company explaining what had happened along with all the documentation and after several weeks I received a letter stating they would not issue a refund because I made an in person purchase. This made no sense because you can still be scammed in person. I contacted XXXX XXXX and was told they have high quality products, they won't give a refund. 
I feel the credit card company, Barclay, made no effort to resolve my issue even though this company pulled a bait and switch.

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 2023-02-21
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email from a credit reporting agency that my score has been affected negatively. I opened the credit report on XXXX, XXXX, and XXXX and saw that " Mercantile Adjmnt Bur '' opened a collections account in my name on XX/XX/XXXX for a 1 month term for {$670.00} then closed the account XX/XX/XXXX. I have received no notice on this account, nor ever have owed collections in my life. I've paid all my payments on time, have excellent credit that was XXXX before this offense. When I called the phone number of this fraudulent agency XXXX, I got a response " You have dialed a number that can not be reached. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have reported to the Federal Trade Commission Identity Theft ( reference number XXXX ) and filed a XXXX XXXX XXXX  complaint ( case # : XXXX ) as well. I have also reported this identity theft case to the XXXX Police Bureau ( case # XXXX ). I received a letter from the Mercantile Adjustments Bureau debt collector post marked XX/XX/XXXX with the utility debt ( XXXX XXXX ) created under my name and social security number for an address in XXXX, Texas. Ive never visited Texas in my life let alone lived there. I called the debt collector at the phone number provided in the letter XXXX and they informed me my dispute is being worked on. This is obvious fraud and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote the company a letter requesting validation of debt, this was XX/XX/2020. 
I requested the credit bureaus to validate debt and the pandemic happened and I received no answer. 
I tried calling in XXXX I was told that they would remove the debt and I wasnt liable. It was removed from XXXX  but it remains on XXXX  and XXXX. And it shows on XXXX  twice with different dates. 
Several years back this company place this on my report and I had it removed. Just for them to change dates and put it back. Very unfair

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 2020-06-20
Company: Experian Information Solutions Inc.
State: CO
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 or around XX/XX/XXXX I received a call from a PI regarding my auto lease of a XXXX XXXX XXXX. Account was not late, I was provided the incorrect account number by an overseas representative. I was facing a repossession for payments that were made to an account that was not mine. I was promised all late fees were going to be removed as well as the derogatory marks made on my credit. I was told over a recorded line by a rep in your repo department that I should place the car in my garage until the payments can be taken from the account I paid and be credited to my account. He said this would take 24 hours. I had to call out of work the next day so my car did not get repossessed and I could leave it in the garage. I drove around hopeless for 2 hours on the phone as I feared stopping the vehicle and getting it taken from me for making my payments. Fast forward, my lease is messed up and the account stays in a derogatory state. They made me make a payment the night I spoke to them but the payment was always a month behind. I understand there was excess wear and tear and over mileage on the vehicle. On the bill there is a repossession fee ( vehicle was never repossessed ), late fees that were promised to be waived, and one remaining payment which was made. I am not willing to pay these fees. 
I will be willing to pay the mileage and wear and tear fees at a settled amount to remove the balance off my credit and show the lease as 100 % satisfied. I have done multiple disputes with nothing back. The information shows different on each bureau as well.

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 2020-01-19
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I co-signed on an auto loan and provided my personal cell phone number with specific instructions that it was never, for any reason, to be called. In the past year, this company has contacted me sixteen times, sometimes multiple times a day. The owner of the vehicle and primary name on the loan has contacted this company ( Regional Acceptance ) and advised them to remove my number from the record as they are unable or unwilling to follow my 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 2023-03-10
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our current mortgage lender ( MR COOPER ) claims we currently owe {$470.00} under " lender paid expenses '' originating from a charge from our prior mortgage lender ( XXXX ). Our prior mortgage lender claims the {$470.00} charge was waived before the loan was transferred to our current mortgage lender. Our current mortgage lender claims the fee was charged back after it was transferred ( they confirmed the fee was waived prior to transfer ). Our prior mortgage lender claims it was NOT charged back after transfer Our current mortgage lender refuses to waive the fee and says a resolution will occur if our prior lender pays {$470.00} or if we pay {$470.00} to the current lender. Our prior lender will not pay this amount as it says the fees were waived before transfer of the loan to the current lender. 

I have been trying to resolve this issue between the 2 lenders since XX/XX/23 via emails, calls, and chatbot. I have documented all correspondence in the following word attachment labeled " XXXX resolution attempts. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation