BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from my credit card company that a new inquiry was made on XX/XX/2022. This was a hard inquiry from Bank of America. I called Bank of America and was told a XXXX account was opened. I have not nor made any credit application since XX/XX/2022. This was a fraudulent account opened with my information. Bank of America was advised and has closed this account. I also contacted XXXX as well and notified them of fraud activity. I was advised to also report this to FTC.GOV which I am doing now. I asked Bank of America what information was used such as mailing address, email and phone number but was told they could not provide the information. 

Ant investigation into this would be appreciated. Please advise me if further information is needed.

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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I believe Transunion is practicing incorrect Credit Score. I the last XXXX days I have only received a Total of XXXX Positive points an a Total of XXXX Negative an I have had Major changes in everything from payment history, to XXXX XXXX, To major increase in credit limits. I have done every little things that I could to influence my score higher then those points. My XXXX an XXXX has moved over XXXX Positive Points. My Transunion XXXX is XXXX my XXXX XXXX is XXXX with an XXXX Positive Points on XX/XX/2022 an nothing from Transunion. I have asked them to look in the matter but they have yet to respond bout with technical support or just any kind of support. Transunion is XXXX of the biggest credit reporting agencies Trans Union is affecting my life in a negative manner with this low credit score that should be higher and next month Im expecting a lot more positive things to hit my credit and I dont want any issues to keep piling up I think I Deserve XXXX positive points plus all points coming in the month of XXXX I have tried to contact them numerous times. I will now make a complaint with the XXXX XXXX XXXX on this subject please someone contact me through email or by phone 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 2022-09-20
Company: Debt Co LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity Theft and Fraud, FDCPA, FCRA and PRIVACY violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In 2017 my wife XXXX XXXX XXXX and I placed freezes on our Equifax accounts. We had to remove them in order for XXXX to process our Payroll Protection Program loan application. I was able to remove mine quickly online. When my wife tried to do the same, Equifax said that it could not verify her identity and would not allow an immediate unfreeze. We called Equifax twice to explain the urgency, as the PPP money was limited and about to run out. Equifax refused to lift the freeze on her account. Instead, they asked her to fax in her details and a copy of her drivers license and then wait 5-7 days. We did that yesterday morning, called again today, and were told that it would take 5-7 days. The PPP money has now run out. XXXX will not process our application until the freeze is lifted. We have now lost out on a forgivable {$30000.00} SBA loan. Equifax took our information and then held us hostage, refusing to respond timely even after explaining to them the urgency of the matter. All of this during a time when every business is hurting and our economy is in a serious decline. Their callous actions cost us {$30000.00}. They should pay that to us and in future be required to act responsibly so as to not harm other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Purchased washer dryer for {$1800.00} in XX/XX/2022 from XXXX XXXXXXXX. They recommended American First Finance as a way to lease-to-own. I signed up and W-D were delivered and installed. I received a call from someone at XXXX but I didn't feel comfortable giving my SS # to her and told her I'd call her with questions, assuming I'd receive the contract. I moved here recently and started a new job so forgot about it. This month I thought would be the last payment ( $ XXXX ) as I've paid {$2700.00}. When I went on like I found to pay off the note will be another {$2900.00}. That's a 300 % markup. No way. I called and learned that it's true. How is that possible. If I waited the entire time it would be {$7000.00} - 350 % mark up. I'm fine with a charge. Expected something but not 300 %. It's wrong, a bad business practice, and a hardship for the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX 2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a f

air investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3XE ) States ; The term "
investigative consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

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 2022-06-26
Company: BARCLAYS BANK DELAWARE
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: Public record information inaccurate

Complaint:
I have an XXXX credit card. They changed their bank from XXXX to Barclays. Yesterday night I requested for credit line increase and without my consent or informing me they pulled hard inquiry on my credit report. I spoke with two customer representatives yesterday night for an hour and they failed to help me with this. Today I spoke with a manager who also failed to help me with this. This is extremely unethical way of pulling hard inquiries. I do business with other credit card companies and they never pull hard inquiry when requesting credit line increase or if they need to they seek for my permission. Barclays did not take my consent.

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 2022-06-26
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
never used the XXXX XXXX XXXX  service they lied about how much my service would be then charged me more cancelled same day within minutes of opening account never used the phone or anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls at least 6 times a day at all hours of the day. Theyve called before Ive woken up in the morning- before XXXX, and theyve called relatively late in the afternoon too. I have talked to them before to stop calling but they continue to do so and the lady I talked to about it was not nice. I have since blocked the original number and they keep calling me on new ones now, every time I block it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As of XX/XX/2022 I made a check payment for {$10.00}. I called Marcus by Goldman Sachs on XX/XX/2022 at XXXX. The phone call took XXXX and XXXX second. 
I paid in full. But when I received my bill in the mail by Marcus by Goldman Sachs credit card they charged me interest for {$0.00} and now the statement balance is {$0.00}. 
I called the Credit card company to dispute the charge. They said this is the policy, once you're late once we're going to charge you XXXX times a month. I told customer service Morgan at the credit card company that this is unacceptable. I paid in full and you should credit me the {$0.00} back to my account. So even though I paid in full they're going to charge me XXXX  months. This is a rip off! There scamming me, they're trying to ruin my credit. I need your assistance to make me whole in every way due to the violation and trying to ruin my credit which I paid in full and I should not be charged at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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



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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: ROBINHOOD MARKETS INC.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Already submitted a complaint from XX/XX/XXXX and they company responded with the verdict I was to receive {$5000.00} reimbursement for the unauthorized check that was issued from XX/XX/XXXX. The company is claiming that they issued the funds However I never received them and its been over a month Ive been in correspondence with them and there is no consistency in what they are saying other than I clearly didnt receive what was promised. Ive been very patient about this and am awaiting these funds so that I can secure a place to live and job.

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

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

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

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



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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Allied International Credit Corp., (US)
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a written notification about debt I supposedly owe in the amount of {$34.00} from XXXX  to XXXX XXXX. XXXX XXXX reservations are paid in full upfront. I would not be able to start another reservation without paying for a previous one. I did not receive enough information to verify this debt, and it is also being presented after so many years have gone by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: NC
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:
Equifax reinserted accounts that had been deleted and did not follow 1681 ( a ) ( 5 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on XXXX it shows balance is {$0.00} on XXXX  it shows {$4800.00} on equifax is shows {$4800.00} date opened on XXXX  it shows XX/XX/2016 on XXXX  it shows XX/XX/2016 on equifax it shows XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: MOHELA
State: FL
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:
MOHELA took over my loans in XXXX. XXXX was my final payment under PSLF waiver. In early XXXX I submitted a certification of my last four payments for PSLF loan forgiveness. In writing, MOHELA said this would take 7-10 days. The waiver ends in XXXX. It is now near the end of XXXX, and nothing has happened. They won't even acknowledge my last four payments qualify. 

I called customer service about 14 days ago and they said it would take 6-8 weeks to process and the email was wrong. I asked to speak to a supervisor. Supervisor XXXX told me my load forgiveness would be escalated, and that its processing would be in writing. She never sent me the confirmation in writing and my account still shows four payments to go, which is incorrect. 

This is an unfair and deceptive practice from a loan servicer. The waiver ends in XXXX and their delay is affecting my rights. XXXX gave me reference number XXXX and her number is XXXX x XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Again, I applied for loan modification. I had to do an appraisal but the appraiser didnt want to because my grandchild was positive for Covid. I received another loan modification packet, I asked XXXX XXXX did I need to fill it out and she said no! They received the appraisal on XX/XX/2022. XXXX XXXX wrote on XX/XX/2022 and said things were a go. I might need to update income documentation. XXXX XXXX I asked if she needed anything else. No response. So I thought they were working on it. On XX/XX/2022 I asked what was going on? I get an email today XX/XX/XXXX that XXXX XXXX was on a leave of absence and I have another contact person. But today, I got foreclosure papers! 
I called in and they said the new person tried calling on XX/XX/XXXX, however no one left a message. I mean not everyone has their phone to their hip! Why not leave a message? 

I have been trying to get modification before Shellpoint bought it from XXXX XXXX! The paperwork was suppose to transfer but I had to submit new paperwork in XXXX. Then XXXX XXXX was out and had to wait. Sent paperwork by email and snail mail plus uploaded through portal. So now its my fault! Yes Im behind but Ive been trying to get this resolved. 
I feel Shellpoint and other loan companies do this to get more fees! 

I even got approved by XXXXXXXX XXXX  XXXX Ohio on XX/XX/2022 but its still pending with my servicer. 

Please see emails!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 2022-09-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out an equity line of credit on my home ( XXXX XXXX XXXX XXXX XXXX NC ) with Truist Bank. The property was sold on XX/XX/2022. The Payoff amount was {$270000.00}. The attorneys ' office XXXX XXXX ( XXXX, NC ) was instructed to send a check overnight for {$280000.00} to the banks XXXX office.. Since the closing was on Friday they sent a check on Monday XX/XX/XXXX via XXXX. The check was delivered at XXXX XXXX  on XX/XX/XXXX and signed for by a XXXX XXXX. After waiting two weeks I called to find out about a refund for the extra funds that were taken and told that the check was never received. I went to the attorney 's office on XX/XX/XXXX and secured copies of the payoff instructions and proof of delivery. I was told the check was not cashed and that they could put a stop on it and issue a new one if there was a problem. I took the documentation to the local Truist Branch where I had taken out the loan and gave them to XXXX XXXX asst. VP at the branch. She called the XXXX office and they supposedly opened a ticket. I called XXXX XXXX on the XXXX and she called XXXX and was told they were working on it but needed more time. I have tried myself to get in touch with the XXXX office but have had no luck getting any update. The attorneys office called me on XX/XX/XXXX to tell me the check has not been cashed nor has anyone from the bank called them to ask to reissue a check. They informed me that I have only 30th days to get refunded the extra money that was sent to Truist. I tried calling XXXX again and after a few minutes speaking with someone was cut off with no information.

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 2022-06-26
Company: Experian Information Solutions Inc.
State: IA
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:
In accurate information is reporting on my credit report and the bureau is not resolving the issue therefore not following fcra laws.

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