BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
Disputing inquiries that I did not approve of

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There are 5 hard enquiries on my credit report from trans union when I called them to dispute it. Transuion told me they can not send in a dispute for it and I needed to call these companies individually and then these companies telling me I need to dispute it with the credit bureau TransUnion.

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 2022-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of 2021, I reached out to the credit reporting Agency, Equifax, because I saw several items on my credit report that I did not give them permission to furnish. I received adverse action letters from banks stating that the bank pulled information from Equifax and due to the information that was on the report, they chose not to extend credit to me. 

I contacted Equifax in XXXX about the information on the report and I received a notice from Equifax stating I needed to be more specific about what shouldnt be on the report. 

I did not give Equifax any written or oral permission to furnish anything on the credit report ( 15 USC 1681 ) they are giving to banks. 
Equifax is committing fraud! And making it hard for me, the consumer, a natural person, to live a full life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CAVALRY INVESTMENTS, LLC
State: GA
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 wrote Cavalry Porfolio Services in XX/XX/XXXX, to have this debt verified or validated. In my letter I stated the document I needed per the law, to validate or verify the debt. I received a letter from Cavalry Portolfio Services dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the debt was valid and attached my one bill. No other supporting document was sent. The original contract etc. After 30 days of no other supporting documentation to validate or verify the debt, I sent another letter on XX/XX/XXXX stating that per the Fair Credit Reporting Act Law, since they have not sent any documentation to validate or verify the debt, they must request for deletion from all credit bureaus. I received a letter dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which a generic response of this debt is valid or verified, again without any documentation. I then wrote a letter to all three credit bureaus date XX/XX/XXXX, demanding they remove from the credit reports because the debt was not validated or verified and I attached all correspondences from Calalry and myself. After speaking with XXXX today, XX/XX/XXXX, they have removed from my credit file. XXXX refusues to delete even after receiving the correspondences between Cavalry and myself. XXXX is still investigating as of XX/XX/XXXX. As of today, XX/XX/XXXX, I still haven't received any documentation to verify or validate this debt from Cavalry Portfolio Services and they refuses to remove from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a deferment on my mortgage due to covid relief at the end of deferment I signed a loan modification agreement and paid my mortgage on time and as agreed. They reported my loan late and that dropped my credit score by 60 point and now other credit accounts are being closed due to their mistake that will further damage my credit.

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 2018-07-06
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
IN XX/XX/2017 MY ACCOUNT WAS COMPROMISED, I CALLED AMERICAN EXPRESS AND REPORTED IT, MY ADDRESS WAS ALSO CHANGED TO A FRAUDULENT ADDRESS, THEY CLAIMED THEY TRY TO SEND ME LETTERS TO VERIFY THE UNAUTHORIZED STOLEN CHARGES AND I DID NOT REPLY TO THE LETTER SENT TO THE FRAUD ADDRESS SO ITS OVER AND I HAVE TO PAY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid off a vehicle loan with BMO Harris on XX/XX/XXXX. 

BMO Harris subsequently took my normal loan payment amount of {$230.00} out of my account on XX/XX/XXXX. 

I reviewed my BMO Harris online portal and confirmed there was no option to cancel payments ( as the loan was paid off the account was closed ). 

I subsequently sent BMO Harris a message using their online portal informing them of the issue and requesting a refund of the illegal withdrawal. 

BMO Harris responded saying they would refund the money and account the closed. 

On XX/XX/XXXX I received an automated email from BMO Harris stating they would withdraw funds for my payment in 3 business days. I immediately called BMO Harris and spoke to a woman on the phone. She said the account was closed and automatic payments were canceled. However, she would mail me a form to sign and complete to ensure fund weren't withdrawn. 

ON XX/XX/XXXX BMO Harris withdrew another {$230.00} from my account.

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 2019-11-23
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I wanted to get my XXXX  license, so I applied and was accepted into the Program. I needed financial help so I applied for a SallieMae student loan in XXXX and borrowed $ XXXX@ 2.5 % interest. I graduated from the program in XXXX and six months after I graduated I started repaying my loan in XX/XX/XXXX at {$130.00} as requested, in XXXX of XXXX SallieMae wanted {$260.00} a month which we paid until XX/XX/XXXX. We believe that the loan should have paid off in XXXX. We had been struggling to meet bills and could no longer meet the bills and we lost our home in XX/XX/XXXX. I received a job as a XXXX  in XXXX, in XX/XX/XXXX SallieMae filed a garnishment on my wages at 15 % of my earnings which they received {$1000.00} according to the facilities records and the garnishment continued till XXXX totaling {$43000.00} garnished from my pay, I also paid in {$830.00} in XXXX & XXXX. We moved back to XXXX   and I returned to work at my former job in XXXX and paid in {$1500.00} in XXXX, in XXXX SallieMae garnished my wages for {$1200.00} They refuse to provide a copy of the original loan agreement or to account for my payments and the garnishments they have taken. In XXXX Navient, SalliMae 's collection agency recieved {$1500.00} from our tax return, we believe that we have over paid on this loan by {$53000.00}, we ask for your help. We have contacted SallieMae and The US Department of Education and XXXX at XXXX XXXX XXXX, none will produce the original loan agreement or account for the Payments and Garnishments made on this loan, they also say that I signed a loan agreement with them in XXXX which I did not, and we have sent numerous letters demanding an accounting of this loan and the original loan, which is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I received on XXXX/XXXX/XXXX a letter from XXXX XXXX, XXXX. of the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The letter is attached. In it are listed additional fees, including property inspections, valuations, " XXXX Membership Fees, '' which, if XXXX reviews this case over the last year, and the relevant actions of Key Bank and the XXXX, are unreasonable collection expenses, in violation of our loan agreement, but also are being assessed BEFORE foreclosure and before case mediation, in violation of NYS law, I believe, CPLR Sec. XXXX, but I might be confusing this section of law with another. Please see my complaint dated XXXX/XXXX/XXXX for the correct citation. This action also has the effect of destroying equity, in violation of XXXX 's prohibition against predatory servicing and how " equity stripping '' was viewed by the XXXX of XXXX of XXXX and is now viewed by the CFPB. 

I spoke with XXXX XXXX on XXXX/XXXX/XXXX, and she is researching Key Bank 's obligation to provide a named Key Bank employee with the authority to negotiate a workout, something that will be required of Key Bank in the foreclosure process. I want to be clear about this obligation, because I do not think I was clear with XXXX XXXX in our phone conversation. Only the president of a corporation - outside any specific delegation - has the authority to negotiate a contract for the corporation. I do n't think XXXX XXXX XXXX is planning on negotiating for Key Bank, so Key Bank must delegate that authority to someone, whether it be XXXX XXXX, who is the regulatory contact for the CFPB, or someone else. It CAN NOT be Key Bank 's attorney, which is what XXXX XXXX XXXX represented to me in our phone conversation of XXXX/XXXX/XXXX. Indeed, XXXX XXXX 's professional ethics would prevent her from acting as a principal ; she may only act as an advisor to Key Bank. I am still awaiting the identification of this employee at Key Bank and have been waiting now for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I receive email notification that my new VISA card, ( a replacement card ) had been charged {$350.00} by merchant, ( XXXX XXXX on or around XX/XX/22 without my knowledge or approval. 

I contacted BOA to determine how XXXX was able to obtain my new credit card information as it was not on file with the merchant and their response was ; the information was obtained through the " Account Updater Program '' something I knew nothing about. 

I then requested that the " Account Updater Program '' be disabled for my credit card and BOA said that this was a service offered by Visa and I'd have to contact them in order to disable service.

I then contacted VISA to have " Account Updater Program '' disabled and they said that was not possible. I'm not sure how this is legal but it would seem that the merchant has more control over my credit card information than I do and this is totally unacceptable.

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 2022-01-13
Company: 1st Fidelity Loan Servicing
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX, and my loan number is XXXX  XXXX. I have been making my mortgage payments directly to S and A Capital at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. FL XXXX, telephone number, XXXX. 
As of XXXX XXXX Eastern Time, Tuesday, XXXX, the following checks have been mailed to S & A, but never cashed or presented for payment : Date Check # Amount XX/XX/XXXX unknown {$220.00} XX/XX/XXXX XXXX {$220.00} XXXX XXXX {$220.00} XX/XX/XXXX XXXX {$220.00} I was told by a representative of S and A Capital, that your firm was now handling my mortgage payments. Please let me know that you have received the items listed above, and that they will be processed as soon as possible. 
Is there another address that I should mail the payments to? Please advise. 
Will the XXXX, XXXX and XXXX payments be credited to year XXXX and be credited to the 1098 tax form for that year? Please advise. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good afternoon, my information along with my wives has been compromised. Someone has been using our credit illegally and now our credit has accounts on it that have never been associated with us or accessed by us and now we have this crazy debt. We were notified of this this week when we applied for a homeland and were told after that we had these accounts on our credit report that did not ring a bell to us. We need to please get this matter resolved as our family was in the process of home buying. Thank you for your 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 2022-06-15
Company: Experian Information Solutions Inc.
State: OH
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-06-15
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX EQUIFAX XX/XX/XXXX THE ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, ( DELETE ) THE LISTED ACCOUNT BELOW ( IMMEDIATELY ) FROM MY CONSUMER REPORT. 

XXXX ACCT # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been a BOFA mortgage customer since XX/XX/XXXX and have never had issues making a timely payment. In XX/XX/XXXX BOFA changed their online payment system & since then I've had 2 consecutive months of issues. The first was the lag time between my XXXX payment submission & payment posting ( 5  days ) which caused my account to be flagged as 30 days late & dinged my credit report. ( This is the first time a payment submitted was not applied same day. ) The second was when attempting to submit my XXXX payment, the payment never went through. I was forced to call ( for the first time in almost 4 years ) to  make a payment to ensure that my account was current. That payment was made on-time. 

This issue with their new online payment platform has created a much more concerning situation where now my credit has been impacted. 

I've called BOFA 3-4 times to rectify this error & the associated impact to my credit report. Since reaching them & logging 3 complaints/cases & now waiting 48 hours+ for a call back my XXXX  credit report shows as " data unavailable '' for XX/XX/XXXX and reflects paid for XXXX & " 30 days late '' for both my XXXX & XXXX BOFA mortgage payment. It is XX/XX/XXXX, my account can not be 30 days late 7 days into the month ... 

This 2 month " hit '' has decreased my credit XXXX points at a time when I am attempting to close on a new home. I am extremely concerned that this will impact my ability to close on a home I am under contract to purchase. I'm unsure how to resolve this issue but I need it resolved ASAP.

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 2022-06-15
Company: UMB FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
UMB BANK took {$500.00} out of my account XX/XX/, 2021 because they accepted a fraudulent check. They are responsible for the fraudulent check in that they cut the check and did not follow procedures when accepting the check for payment. Since then they have agreed to credit my account the {$500.00} a number of times but have never done so. 

They have lied numerous times to me that they are going to redeposit the {$500.00}. 

They have blocked me from their phone system and will not return my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just received an email stating, I was declined for a loan. I DID NOT APPLY FOR A LOAN!!! And I don't need ANYTHING NEGATIVE listed on my credit history and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown 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 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Today, XXXX XXXX, XXXX, I attempted to put a freeze on my credit report with TransUnion and XXXX. The initial attempt for both was made on-line. After giving all my personal information and submitting the request, the automated systems came back and said they could not process my request. In the case of XXXX, they provided information on how to request an alert via XXXX XXXX In the case of TransUnion, I called a number they provided and had such a bad connection that I was unable to complete the call, despite repeated requests to provide a better connection. I have n't even tried XXXX yet. My impression is that the bureaus are making it unnecessarily difficult to place a freeze on credit reports. 

Like many Americans, I was impacted by the XXXX data breach. I want to place a freeze on my credit report for each of the XXXX bureaus quickly. Any assistance would be appreciated XXXX XXXX XXXX, VA

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 2022-01-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX XXXX XXXX XXXX  - held by Comenity Bank is out of compliance with the Credit Card Act as they do not deliver my statement allowing me to have 21 days to pay my payment. 

Time To Make Payments. -- A creditor may not treat a payment on an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.. 

Every time I send a payment I get a subsequent bill that includes a {$35.00} late charge as they are stating that my payment was late. I am paying my payments on time and I believe there are not applying my payments timely. 

I just received my latest bill today - XX/XX/22 with a due date of XX/XX/22. That is only 18 days to the due date. 

They have reversed the fees in the past when I call and Im assuming they will again. However, I feel these fees are inappropriately assessed and less diligent consumers may be paying late fees they should not have to. I have several store cards and I am consistently having issues with a late charge on The XXXX XXXX account. 

Thank you for researching this issue.

Company response to consumer: Closed with explanation