BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: WASHINGTON FEDERAL BANK
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
*I was unable to locate my previous complaint filed on XX/XX/22 and I was just trying to add to it and not file an entirely new complaint - but never received an email so not sure if it went through* WaFd bank purchased my mortgage around XX/XX/22. Since then it has been difficult to make a payment. We had to set up autopay, which included several phone calls and filing an official ticket, for whatever reason this was not an easy process online. After that we were trying to make a one time payment for the first two mortgage payments that we owed this lender and we were told by at least two separate people that we could not make a one time payment online or over the phone that we had to go to a branch. Unfortunately we could not go to a branch. I've never had this difficult of a time to make a payment. Then the last time we called we were told to just wait for autopay which then took out 3 payments ( over XXXX ) over 3 days to get us caught up. I thought that was the end of the ordeal, but we just figured out that WaFd reported the late payments to the credit agencies and it hit our credit scores. This was reported by WaFd on XX/XX/22, which was within the 60 day grace period that we had after WaFd purchased our mortgage which would've ended on XX/XX/22.

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 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Fraud checks were deposited into my bank of america account and XXXX XXXX account around XX/XX/2020 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 monetary relief
Consumer complaint received 2022-07-18
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
Date : XX/XX/XXXX To : To Whom it May Concern Consumer Financial Protection Bureau Subject : Requesting an update to my credit report In XX/XX/XXXX, my home loan with XXXXShellpoint Mortgage Company went into an 18-month forbearance. That forbearance ended on XX/XX/XXXX. In order to be proactive, I contacted my point of contact ( POC ) on XX/XX/XXXX as instructed to begin the deferral process. The POC submitted my request and I waited for a response. Waiting for a response took longer than we anticipated ; however the deferral was granted on XX/XX/XXXX. The problem for me began when I checked my credit score on XX/XX/XXXX and saw a SIGNIFICANT drop ( roughly XXXX points ) due to a payment being reported missed/30-59 days late. 

I spoke with a representative on XX/XX/XXXX and she stated that I missed a payment ( {$1200.00} ) in XX/XX/XXXX. I tried to explain my forbearance/deferral situation to no avail. After getting off the phone in frustration, I continued my investigation and remembered that due to the forbearance ending in XXXX, I made a payment in XXXX thinking that would keep me current. I spoke with another representative on XX/XX/XXXX between XXXX and XXXX and she advised me that my XXXX payment was applied to my XX/XX/XXXX statement instead of XX/XX/XXXX, leaving XXXX unpaid. The representative stated it was the delay in the approval of the deferment that caused this and suggested I write a complaint letter to open an investigation in order to have this corrected. 

My credit score and history is EXTREMLEY important to me and it was my belief that the forbearance/deferral process would not negatively affect my credit. I would like to request an update to my credit report due to the delay in my deferral process. Thank you for you attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE 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:
SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A CAPITALONE BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX  XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2022 XXXX stated the accounts listed below was properly investigated, which is not accurate because the open dates, are still inaccurate. The date last active is inaccurate, and date last reported is still inaccurate. Due to inaccurate information being reported this is grounds for IMMEDIATE DELETION. XXXX has also violated my rights under 15 USC 1681, Section 604 A Section 2. Which the law stated a consumer reporting agency can not furnish an account with written instructions from the consumer. I have not provided written instruction/permission to furnish these account on my credit profile. Lastly, please advise how you were able to verify and properly investigate my credit file as you claimed, when my credit profiles has a freeze on the Please see credit freeze letters attached. 

Account Name : Account Number # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX TransUnion stated the accounts listed below was properly investigated, which is not accurate because the open dates, are still inaccurate. The date last active is inaccurate, and date last reported is still inaccurate. Due to inaccurate information being reported this is grounds for IMMEDIATE DELETION. XXXX has also violated my rights under 15 USC 1681, Section 604 A Section 2. Which the law stated a consumer reporting agency can not furnish an account with written instructions from the consumer. I have not provided written instruction/permission to furnish these account on my credit profile. Lastly, please advise how you were able to verify and properly investigate my credit file as you claimed, when my credit profiles has a freeze on the Please see credit freeze letters attached. 


Please correct my address:XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX FL XXXX Account Name. Account Number The XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2017-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I 've been a customer of capital one for over a year. Not once before have I ever file a claim with my bank, and the one time I did, they denied my claim. I 've spoke to several claim representatives as well as customer service and nobody could solve issue. The customer service I received was horrible.. they treated me in such manor that I can say I was discriminated. The last repreentative I spoke to did not treat me like a customer she treated me like a number. I asked for the call to be escalated to someone higher and she could not connect me, she advised me someone would probably call me call me back, to this day I have not received a call back. my card was used by someone else that was not me. transactions were charged against my account at a location that I dont frequent. I ask they look at cameras or compare a signatures. this is such an injustice I live on a fixed income. I found my card and continued to use it to make purchases that I 've authorized. I ask the claim be reasserted and I receive credit for the fraudulent trasaction or I will be escalating this matter further. thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
While flying Spirit, we were presented with the opportunity to get their XXXX which would give us XXXX bonus miles, they advertised as worth 2 round trip tickets. We applied and were approved. Since then we have accumulated more than XXXX miles and anytime we try to redeem our miles, the cost of using miles is monetarily MORE than just purchasing the tickets. A trip from XX/XX/XXXX-XX/XX/XXXX would cost XXXX miles + {$110.00} versus paying {$100.00} using NO miles. They claim it 's because of the Award Redemption Fee that applies between 21-180 days. I looked to book XX/XX/XXXX-XX/XX/XXXXand that would cost XXXX miles + XXXX versus {$110.00}. I feel this practice of soliciting card membership with the promise of reward miles that are useless is unfair and deceptive. We received and used their XXXX, which had a higher interest rate then our other cards, under the belief we were accumulating miles which would result in a benefit of at least 2 round trip flights.

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 2018-05-15
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:
Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I called coustmer service to have this problem resolved and the guy name was XXXX XXXX and couldn't resolve this issue or give me his representative number he said it was against policy. I told him I was a victim of identity theft and I do not recognize them inquires. He told me the only thing I can do is get a police statement. The police is not going to give me a report on the inquiries on my credit report. All this came from transunion crediting bureau. 

1.XXXX  XX/XX/XXXX 2.XXXXXX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX 10.XXXX  XXXX  XX/XX/XXXX 11.XXXX/XXXX XX/XX/XXXX 12.XXXX/XXXX  XX/XX/XXXX 13.XXXX/XXXX XX/XX/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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have 3 employers that is incorrect and 2 previous adresses that are incorrect that need to be deleted. Several inquiries that I did not authorize that need to be deleted. I also have several accounts that are not mine and one that I was never late on and one account i want to validate. And one account that says chrge off that is not true.

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 2017-09-02
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am submitting this complaint for account number XXXX. My patient reference number is XXXX. I received a letter from a debt collection agency regarding a bill that I have been paying to XXXX XXXX XXXX Hospital. I was never placed on a financial/payment plan with this company and never received a bill from this company until a month later ( Received XXXX bill in XXXX, XXXX bill in XXXX and etc ). Therefore ; I took the initiative and started paying on it before I received a bill to ensure that I did not encounter late fees. I have paid a total of {$120.00} on this bill ( XXXX/month ) because that was the amount that I was able to afford based on my other bills. I have never missed a monthly payment nor did I receive a certain amount that I would have to pay but my information was sent to the debt collection agency. I have the check numbers for the amounts I have already paid XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # 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 2019-11-26
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: Personal information incorrect

Complaint:
My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX  All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2022-07-18
Company: EQUIFAX, INC.
State: SC
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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a notification of a possible debt on XX/XX/2021. Responded to company on XX/XX/2021 requesting debt validation ( letter was sent certified ). Company continues to call and has not responded to debt validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Someone has my information lost my wallet twice XXXX XXXX old navy XXXX  XXXX XXXX XXXX XXXX and many other things are involved i have lot of other things I dont understand how they got there my identification is being used since 1995

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 2022-07-18
Company: Duncan Solutions, lnc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
As a federally protected consumer, I am highly disappointed and unsatisfied with Professional Account Management LLC. My name is XXXX XXXX and I am making this complaint against Professional Account Management LLC for committing identity theft. I have no recollection of authorizing or giving Professional Account Management LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Professional Account Management LLC and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Professional Account Management LLC any right to collect on this alleged debt. I have also never received any documentation requesting validation from Professional Account Management LLC before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. If Professional Account Management LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Professional Account Management LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Professional Account Management LLC continues its collection efforts, I will file for litigation and Professional Account Management LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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