BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my personal credit report from MyFico.Com, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the 8 inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXXXXXX XXXX appliance account. I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. 

I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. 

There are also name listed on my credit report that are inaccurate. These are listed below as well and need to be removed immediately. 


Date Transunion XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Financial Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XXXX and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXXXXXX XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020, I was late making my mortgage payment to Shellpoint Mortgage Servicing due to COVID-19, which negatively affected my income. I contacted Shellpoint Mortgage Servicing in XX/XX/2020 to advise of my situation and ask for help. I was granted a forbearance and advised the late payment would not be reported to the three credit bureaus as the issue was due to COVID-19. However, the late payment has been reported to all three credit bureaus, negatively impacting my credit score. I contacted Shellpoint Mortgage Servicing via their website to request that the negative rating be removed from my credit report as it was due to COVID-19. However, I did not receive a response. 

Before XX/XX/2020, my account was in good standing with no late payments. My mortgage account is in good status, and I have not had a late payment since XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've had a capital one credit card since XXXX  or so and we use it to pay for everything and pay off the balance monthly. My son started working at Walmart and uses the card via his Walmart app frequently and XXXX me the money he spends, I started making multiple payments to the card plus the one that was ACHed monthly. Capital one placed a hold on my payment for 8 days because they needed to confirm the payment had cleared. When we called the rep offered to call the bank to confirm the payment had cleared and explained that possibly the reason for the hold was the multiple small payments from a different account ( XXXX  ) and the large monthly payment for the statement balance from a different account but was not sure if this would happen in the future. This happened again this month but this time the rep did not offer to call and said the hold would stay on for the 8 days. My question is are ACH transactions not supposed to be credited sooner than check transactions because banks only have a limited time to act on these ( return )? As a consumer, the only way to later request my payment is by filing a claim because the payment has been processed and received by the other bank. I'm confused as to why the time frame of 8 days, seems excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an adjustable copper infused bed frame and mattress from XXXX XXXX 'XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. The bed and frame cost a total of {$1900.00} which was charged to a XXXX XXXX credit card I applied for on the same day of the purchase at the store. 

The store clerk said this bed frame and mattress would help to relieve my XXXX  XXXX XXXX and I'd wake up rested and refreshed. 

When the bed frame and mattress were delivered on XX/XX/XXXX I told the delivery person that this was not the bed frame and mattress I tried out and purchased because it did not look or feel the same as what I purchased. The mattress was in fact a foam mattress and the delivery person said that it would take 3.5 hrs for the mattress to fill up and expand. 
After 5.5 hrs the " mattress '' was still very soft to the touch and felt like a sponge and not a mattress. This bed frame and mattress were not at all what I ordered at the store and I have been asking the store to pick up their bed frame and mattress and issue a full refund to which they have stated they have a " no return '' policy. 

I was not able to call the store clerk on the day of delivery because I had to wait the 3.5 hrs I was told it would take for the mattress to fillup. I slept on the bed the night of the delivery and woke up the next morning with terrible XXXX XXXX so I called the store clerk to tell her I wanted them to pick up their bed. The store clerk told me that I had to sleep on the bed for at least 30 days so I can get used to it. I told her I would not sleep another night on this bed because it made my XXXX XXXX worse. The bed has not been used since the first night I tried it and I will never use it again. 

I have contacted XXXX XXXX 's customer service department and have found no help with this issue. XXXX XXXX has offered to change the mattress but it's not just the mattress I have a problem with but the whole bed ... .. this bed does not help someone like me with XXXX XXXX issues. I also contacted the credit card company ( Synchrony ) to let them know that I need XXXX XXXX to pick up their bed frame and mattress to no avail. All I want is to return this bed frame and mattress to XXXX XXXX and have them issue a full refund to the credit card. 

I have also filed a complaint with the XXXX  but XXXX XXXX still refuses to return and refund.

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 2023-08-08
Company: Bread Financial Holdings, Inc.
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:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I XXXX XXXX is Reaching out to the Consumer Financial Protection Bureau on XX/XX/2022 to Raise a formal complaint against Equifax Reporting Agency. Equifax is reporting false and misrepresentation information on my Credit report I have reached out and disputed these accounts that are reporting false and misleading information to my report this is a direct violation of regulation F XXXX. The three accounts are as follow * XXXX -Violating code 15 u.s.c 1692f and Violating code 15 u.s.c 1692d Harassing and sending old bills out on a closed and charged off account thats been closed this account in now involved in litigation document will be attached. 

* XXXX XXXX Violating code 15 u.s.c 1692f and Violating section 807.this account is also involved in litigation document will be attached. 

* XXXX XXXX XXXX Violating Code 15 u.s.c 1692E this account is committing fraudulent activity on this account I have a XXXX  account only on and it is in accurate and active there is no way that I can have to XXXX accounts this company has been reporting fraud and this account will also be involved in litigation. 

I am requesting that these account be removed from my credit report immediately for the violating codes or this reporting agency will be involved in litigation and I will be forced to testify as a victim of Equifax reporting wrongful credit score to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
They charging me more then wat they are old

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 2022-09-24
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Freedom Mortgage Company - VA Loan # XXXX House purchased in XX/XX/XXXX. 
XXXX - Covid-19 Forbearance started. 
XXXX - Covid-19 Forbearance extended. 
XXXX - Approved for Covid-19 Refund Modification XXXX - Received 2nd approval for Covid-19 Refund Modification XXXX - Loan Modification documents were executed. 
XXXX - Executed Loan Modification documents uploaded to my account by Freedom Mortgage. 

The reason for the gap in time from approval for the Covid-19 Refund Modification and the signing of the documents is because Freedom Mortgage kept spelling my wife 's name incorrectly. It took 5 months and five separate sets of documents for them to spell her name correctly in the body and on all signature lines, despite having the title to the property in their possession and receiving several emails and phone calls telling them how to spell her name. 

As of today 's date, XX/XX/XXXX, our loan is still listed as in loss mitigation. I was told that it normally takes two weeks for a loan modification to be entered into the system and the account to be updated. I understand that due to Covid-19 the volume of modifications, foreclosures have increased significantly while the staff numbers have gone down, so two weeks would have been a miracle, but four months to update our account. During the time our documents were being created and created and created, I received a default notice. After the execution of the documents, I again received a default notice. I am sure my credit is being affected. 

I have called repeatedly. I have emailed repeatedly. I have been told that my case will be escalated. I have been promised return phone calls. Yet, my account is still in loss mitigation. Calls do not get returned. Escalation never goes anywhere. No one nowhere can tell me anything. 

Now all of this is interfering with my ability to obtain an equity investment in my property for a remodel project and upgrades to the property. All the equity company is waiting for is either a letter stating that my mortgage is current or an actual mortgage statement. However, I can not obtain either ... .. Freedom Mortgage can not write a letter stating that my mortgage is current, because it is in loss mitigation, but they can not tell me why it is still in loss mitigation when we have executed a loan modification. And I can not provide a current statement to the equity company, because the current statement shows I am in arrears for funds that would part of the modification. It has become a vicious vicious circle that is affecting my family negatively. I just want it fixed.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account information incorrect

Complaint:
I leased a XXXX XXXX in XXXX Then I made my first payment in XXXX and configured auto pay. Then in XXXX, the auto pay did not process for some reason and I got a courtesy call in XXXX informing me that it was late. They allowed me to make the payment over the phone and configure the auto pay properly for me. In XXXX I got another call expressing my payment was late, I told them that I already spoke to someone and auto pay should have been configured. I checked my account and could see that auto pay was configured and no attempts to my bank account were made to collect the payment that month. They apologized and told me that they would fix the issue and process the payments. Then in XXXX I get another call for the same reason. This time they explain that the auto pay was just paying off my previous balance and letting the current month roll over. I expressed that I wanted the late payments waved ( since I made all my payments over the phone and it's not my fault they didn't take my money ). They agreed to wave the fees and I paid the full balance that was owed. Two months later I find out that they never actually waved the late payment and set up the auto pay to just pay the normal balance and they reported to my credit that I was behind on my payments. I called them this time and they agreed to wave the payment again, however, needed to get manager approval to wave the entire balance and fix my credit report. My account shows that they waved all but {$2.00} of my late fees and now this is rolling over again and I can see on XXXX that they updated the report to say I still have late payments, but the late payment was {$0.00} and both XXXX and XXXX are still showing late payments. This is not professional as every person I have spoken to from this company only does half of what they told me they would do and now I am trying to apply for a mortgage and suffering the consequences of this when I have done my due diligence to make sure these payments were made on time. When speaking with these people you need to follow up with them to make sure they actually did what was agreed upon or they will just tell you that they did when they really didn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reference Complaint # XXXX Notice -failure to comply with Validation Affidavit -15 USC 1681 Sec 604 a -15 USC 1681 C ( a ) ( 5 ) -Acct status incorrectly reporting open -no deficiency was reported -lender failed to communicate personal items and process on return.

-failure to communicate sale of vehicle -breach of peace from gated community Fee schedule is attached for appropriate collection of fees violated. 
Remit payment XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-12-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On ( or about ) XX/XX/2022, a hacker gained access to my PayPal account and made over XXXX unauthorized transactions. As of XXXX, PayPal is currently limiting the fraudulent accounts and deleting the fake invoices, but I still have a negative balance in my PayPal account for {$4200.00} that was paid to a hacker or to someone who's account was compromised by the hacker.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I received an email stating that I had opened an account at Bank of America. I had not opened an account personally from them and I do not have any information about who has opened an account in my name. 

Over that day and today ( XX/XX/XXXX ) I have received more emails saying that information has been changed. I have information to go on and now I am worried about potential long-term credit and banking fraud. 

I was not able to connect with anyone from Bank of America in person, only through automated services. No one is willing to communicate through phones. The only one who has communicated with me is Bank of America through their XXXX, which is completely unacceptable and I'm unsure whether or not they are real. 

The " person '' on XXXX said that they will take care of it, but they have not given me a claim number or a confirmation that the account has been closed.

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 2022-12-05
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so sometimes the XXXX payment comes on days I don't expect because it takes 3-5 business days to deposit. My schools first bank account was over drafted many times and they have given me 12 fees re-imbursed but now when I ask for the fees reimbursed they said they already reimbursed more than 12 fees and I have exhausted all help when it comes to this. I heard Biden say he made these fees illegal referring to them as junk fees. Please help I try to be a servant of all and this is how i'm treated no mercy from a XXXX dollar bank they need my money. It's written how you treat the least among you is how you would've treated XXXX. Please investigate Schoolsfirst XXXX for their blatant thievery and greed of taking from the least financially inclined individuals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Bread Financial Holdings, Inc.
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX, XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation