BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America withdrew {$1700.00} from my checking account. Giving me a credit of {$1700.00}. On XX/XX/2019 I called to request a full refund since my balance was {$0.00}. On XX/XX/XXXX Bank of America states a refund was issued to my checking. My bank said Bank of America did not refund any funds to my account. 
I have called Bank of America and each time I am told I have to wait. Today XX/XX/XXXX I am still waiting and each day since Bank of America said a credit will be issued it hasnt. When I call them they say they need more time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ref XXXX # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, 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 2017-04-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Back in XX/XX/XXXX i was sent a letter from a company called " XXXX ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was Springleaf Financial ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with XXXX citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my XXXX report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from XXXX, i also got a letter last week from a company called " XXXX '' who claim they manage the account with XXXX. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company XXXX advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2021-12-15
Company: Nelnet, 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 information incorrect

Complaint:
Upon doing a IDR ( income driven repayment ) plan on my original XXXX loan taken out in XXXX, I received XXXX ( XXXX ) notices from Great Lakes XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that the XXXX XXXX account with the XXXX XXXX XXXX XXXX, in both emails are Paid-In-Full. However, once it showed paid-in-full, I got an alert from XXXX and now shows the same loan with the EXACT information opened on XX/XX/XXXX, which i NEVER opened a new loan. This is an existing loan from XXXX. They are refusing to take this off my credit report after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2019 XX/XX/2019, and XX/XX/XXXX, I sent a notice to XXXX, Transunion and XXXX letting them know that a creditor XXXX is reporting inaccurate information. I submitted payment transactions from my bank indicating payments to XXXX. 

However, XXXX, XXXX, and Transunion are still reporting this account inaccurately. This is a violation of the FCRA. 

I'm attaching my proof of payment transactions

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 2017-04-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX   XXXX   XXXX   XXXX    filed complaint for foreclosure on property without including /mentioning previous existence of  XXXX  loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I was taken advantage of by the companies listed due to malpractice where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial 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 2017-04-21
Company: LOBEL FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed prior grievance of company doubling reported amount owed from XXXX to over 6800 through credit bureaus. Through XXXX amount was reduced back to XXXX. Since then made settlement through XXXX XXXX 3rd party collection which reported correct original amount of XXXX when settling account. Showing paid in full middle of XX/XX/XXXX. Since then Lobel Financial raised again reported balance to XXXX on credit reporting agencies and shows amount owed. I have disputed again through financial agencies which came back with no change and again unexplained doubling of amount owed. the doubling of amount randomly appeared end of XX/XX/XXXX though for prior 3 years before doubling had a debt balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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: Was not notified of investigation status or results

Complaint:
Transunion and the company in question failed to truthfully validate an account, it was removed from credit report. However the account was reinserted without the required 5 day notification per law. My consumer rights have been violated and Im given the opportunity to file suit against Transunion unless the account in question gets taken back off my credit report. 
Account : XXXX XXXX  ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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: Investigation took more than 30 days

Complaint:
I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month

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 2021-07-21
Company: U.S. BANCORP
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i was trying pay my credit card bill with my us bank focus card, my credit card company say XXXX XXXX say the transaction was decline as fraud why did you gus decline my trasaction saying it wasnt me, now they closing my credit account. they now requesting for you all to fax or email them who is the onwer of the account and why did the transaction decline XXXX fax number 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 2019-12-21
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am a XXXX veteran who co signed on an auto loan with my XXXX  XXXX veteran brother who has XXXX. 

Complaint # 1 I was not informed that late payments would be reported to my credit report because the Dealership nor G.M.Financial Corp.did not provide a seperate co-signer notice as stated below by CFPB Regulations, until I received a phone call from G.M. Financial on XXXX-19 after payments was 3 months passed due. After the call I immediately checked my credit score and was devastated to see that my score had decreased each month by a huge decreased amount and now below 600 fica score. G.M. Financial and the Dealership must be held legally accountable and correct this illegal act. 

CFPB Regulation as follows : As co-signer, you should receive a separate notice by the lender prior to signing the agreement. The notice will contain the following information : You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesnt pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. 
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. 
The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. 

Complaint # 2 During the phone call mentioned above on XXXX-19. I informed G.M. Financial that my brother was having XXXX Behavior episodes and that I as the co-signer which to surrender the vehicle that is in default because I didn't know the each late payment would be reported monthly on my credit report. I was informed that it was an option and my right. Then I was told that I had to find the vehicle and have it in my possession even though I am the co-signer and don't have a tracker on the vehicle as G.M. Financial does and I don't know the location of the vehicle. G.M. Financial must be held legally accountable and correct this illegal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Today   XXXX   XXXX   XXXX    XXXX  the relationship  manager on m y file at SLS told me that even though we are in an acknowledged short sale review SLS can set a sale date and sell my home at anytime they like. She also said it with an attitude. This gal has always been short, curt, rude and unpleasant to deal with. Her comment about gave me a  XXXX   XXXX . It took a while to get an offer and just prior to the offer being sent over, she made the threat again. I was in a chapter  XXXX  for 5 years and have competed it. The trustee has been paying a little something to the bank but they wo n't tell me how much it was. I noticed that my escrow account has over {$17000.00} dollars in it at SLS and I have asked numerous times for a reconciliation and SLS refuse to give me  one. I h ave asked my escrow gal to ask for a reconciliation in hopes they will give  one to h er.  XXXX  's conduct in the short sale dept. fall 's far below the standards of care. They also refused to allow me {$3000.00} relocation assistance.

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 2021-12-15
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a repeated charge on my credit report from XXXX XXXX stating I had thier service at a place f residence I never lived. I have it removed obnly for a few days and then it is back on there. I have communicated with all paries and still having issues it is frustrating as I a trying to get XXXX  and this is preventing me because of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have sent a address affidavit to have all incorrect addresses removed from my file. My name is spelled wrong on my   XXXX   report as well. Please see the attached documents and correct the error as requested thank you for your time and concern.

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 2017-04-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed multiple collection accounts  (    XXXX   XXXX   XXXX   &amp;  XXXX  ) with equifax and  XXXX . The accounts were deleted on both but now equifax has reinserted accounts from both collection agencies on my credit report. Also Equifax has been very uncooperative in removing the excessive amount of hard inquiries that I asked to be removed. I 've called and also faxed a multiple inquiry removal letter and have heard nothing back. My Score through equifax is really suffering, it 's close to  XXXX  points off from my other  XXXX  scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
We were given a pre-paid VISA debit card with a face value of {$50.00}. This was sometime back. The card number was XXXX XXXX XXXX XXXX with a cvv of XXXX. The expiry date is XX/XX/XXXX. 

We tried to register/ use the card today ( XX/XX/XXXX ) online at XXXX. We could not as the system rejected the card as invalid. 

We called customer service XXXX XXXX. After great difficulty could reach a customer service representative. She informed us today that the card is invalid. We have not used the card at all. She informed that the card could be invalid either due to ( 1 ) expiry or ( 2 ) the deduction of monthly fees that will bring the card value down to invalidity. 

We also see a fine print on the back of the card that states " U.S.Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 months of inactivity except where prohibited by state law. .. '' We see this as unfair practice and request CFPB to intervene and address it. Just searching the internet shows the extent of losses suffered by common citizens due to this fine print.

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 2022-05-02
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on XXXX and XXXX on the other XXXX. The date last active is different on all three bureaus. XXXX shows XXXX, XXXX shows XXXX and Equifax shows XXXX. The date of last payment is XXXX on Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance what the fair credit reporting act XXXX Account wow services has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what 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 : its also says a consumer reporting agency Can not furmish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: JPMORGAN CHASE & CO.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
hi, i just apple for a chase freedom credit card on XX/XX/XXXX. because i saw my XXXX XXXX  list that i will get approval for a chase freedom card. then on XX/XX/XXXX i receive an HARD INQUIRIES on my credit report. can you please help me remove HARD INQUIRIES on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been harassed by XXXX XXXX credit unit. They call me all the time using unknown. I answer the first time and told them I wasnt able to pay because I was struggling to my bills and rent. they gave me a later day to pay but they still call me from Unknown everyday 5 times a day! This is harassment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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:
HELLO. MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN A XXXX LOAN, THEY ALSO MADE PAYMENTS ON THIS ACCOUNT TO COVER IT UP. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX XXXX  OPENED : XX/XX/2009 XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sold my home on XXXX/XXXX/15 and the mortgage with XXXX was fully paid off and closed. Trans Union is reporting the account open with a {$160000.00} balance. This is preventing me from obtaining another mortgage and I have missed an opportunity to purchase a bargain waterfront property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation