BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 checked my credit report XXXX of XXXX and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.

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 2022-08-24
Company: FC HoldCo LLC
State: AL
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:
15 u.s.code 1681a your company is clearing violating the law rules of construction

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX Have 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 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 2022-10-22
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a mail offer from Mariner Finance. It was a live check for XXXX. I set up my account online and connected the account to my credit union XXXX XXXX XXXX XXXX. Their website was very buggy, that is -- - it didn't always work. I noticed the 1st payment came out XX/XX/XXXX already 15 days late but the electronic payment worked. Well the payment of XXXX was due on th XXXX. Next month I tried to pay on line again, and it appeared to go through. It did not " recognize or find my account '' even though I had completed an online payment. The payment never was returned so I did not know the haven't received the payment. They called and said make the payment you are late. I went back online and used the same account they had accepted before, to send them a Bank Check addressed to Mariner finance this was payable on XX/XX/XXXX. Later I found out that they only would accept cash ( debit card ) because of THIER website issues! I paid two payments on XX/XX/2022. 1 day after 30 days late which dropped my credit score XXXX points! They called and gave me hope that i could contest the late, but of course XXXX said it was correct. Please help me I am being punished for their payment issues, and they rejected my check! PLEASE HELP. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: DISCOVER BANK
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have an account with Discover card. Over a year ago, I deposited {$1000.00} into a secured card. Last XXXX, I was told that I would get my deposit back. It's XX/XX/XXXX and still no deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXXXXXX XXXX XXXX filed a Motion for Summary Judgment. Within the Motion is a list of fees and costs as well as the principal balance. These numbers seem to change often. Additionally, there is a special advance charge for property inspections. No one has ever been to my home to inspect it. I would like proof of the inspections; i.e. a report, pictures, the name of the company who performed the inspections, etc. 

If there is no proof of any inspections, this amount should be deleted from fees and costs the lender is claiming is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with 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 2022-08-02
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a card with Ulta/Comenity bank, I have not made a purchase on the card since XXXX  and turned my card off I believe in XXXX I have paid hundreds of dollars worth of payments and my balance has gotten higher saying that I am paying late fees despite paying on time, the payments are not processing. The minimum payment and the late fee are very suspiciously the exact same amount which is XXXX out my payments. Recently my limit was increased despite my card being shut off. In XXXX I called to ask where my payments were going because I was not making purchases as my card was shut off, and they said since I was making the minimum payments that the payments were useless. Last month I tried to make my payment and the website said this account is inactive or blocked and didn't allow me to make a payment. Today I went to double check to see if I could try again to pay and my account is mysteriously active again without my permission. I also have an even larger late fee and even more finance charges because the account wouldn't let me pay last month. My balance is now INCREASING despite NOT USING THE CARD SINCE JANUARY AND MAKING SCHEDULED PAYMENTS FOR SEVEN MONTHS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
I have sent our multiple letters to each Credit bureaus about reporting Inaccurate information on my consumer report to other companies without my consent or authorization ( Identity Theft ). Due to each bureau reporting this has caused me to be denied for the necessaries I need to live such as a home, car, credit cards, business lines of credit etc. As the consumer I am not Injuries by the actions that have been taken by the bureaus. This has caused me a MAJOR hardship, the damages and losses have been tremendously over whelming. I have called and sent out letters by mail, as well as filing multiple disputes multiple times Since XX/XX/XXXX up until today XX/XX/XXXX. The bureaus have not responded back and the in accurate information is still being constantly reported. I have bee receiving letters in the mail from third party debt collectors saying that I owe them. I never set up an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Someone stole my card information and made fraudulent purchases from XXXX on my debit card. I have absolutely no knowledge of these purchases. I submitted a dispute for the transcations, a long with proof from XXXX stating this purchases were fraudulent and Chime denied the dispute. My money is not secure with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-02
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Spoke to XXXX XXXX XXXX, Senior Vice President XXXX XXXX, RoundPoint Mortgage Servicing Corporation nmls : # XXXX XXXX XXXX # XXXX on XX/XX/XXXX and he told me he can move forward with the loan. On XX/XX/XXXX, XXXX referred me to XXXX XXXX, Branch Manager License, NMLS # XXXX at RoundPoint Mortgage Servicing Corporation, NMLS # XXXX, c : XXXX. She pulled my credit and obtained copies of my bank statements, tax returns and other sensitive documents for the VA loan. XXXX told me that I was approved for {$320000.00} and instructed me to start shopping for a home with my Realtor. My Realtor and I couldn't find a home I liked in XXXX XXXX ; so we started looking in XXXX. We found a home and told XXXX that we would be moving forward with XXXX. XXXX was unable to be reached. I then reached out ot XXXX and he was unresponsive as well. I then reached out to XXXX XXXX XXXX  at Roundpoint  to ask what was going on and was told XXXX was no longer with the company. I asked him who I needed to contact to move forward with my loan as I only have a month to secure housing - no response.

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 2022-10-22
Company: VW Credit
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: Problem with personal statement of dispute

Complaint:
Initially purchased a vehicle from the XXXX XXXX XX/XX/XXXX and on day one configured the automatic payment on this account. ALL Payments had been made automatically and no issues were ever reported on the account. XX/XX/XXXX I changed my banking institution and updated the payment information on their XXXX XXXX, received a confirmation email indicating that changes had been submitted. 31 days later I received a call from their " Collections '' department indicating I was 2 months past due and that the account needed to be brought current. A couple hours later after arriving home I logged into the portal and confirmed what had been stated on the phone call and proceeded to manually process the payment and bring the account to good standing. I reached back out to their support team and explained what had happened and how this change must not have stored on their system when the changes were processed, I provided information about the changes and advised to send a letter explaining the issue. I proceeded to send a certified letter with all the detailed information ( All attached ) and how a system glitch caused the issue, I provided screenshots of several errors received while using their portal. I have received several letters back indicating that information provided does not suffice the removal request. They have made it impossible to communicate with them over the phone since this department only communicates via Fax or Letters. Every single reply received has been generic and with no intention to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: NC
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 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 2022-08-24
Company: EQUIFAX, INC.
State: NC
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 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
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 number # XXXX Ally Financial has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 

Late payments reported XX/XX/XXXX - {$290.00} XX/XX/XXXX - {$290.00} XX/XX/XXXX - {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CrossCountry Mortgage LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife and I have a VA mortgage through Crosscountry Mortgage. 

We missed two mortgage payments -- one in XXXX XXXX, the second in XXXX XXXXXXXX

Crosscountry Mortgage correctly reported a rolling " 30-days late '' to the credit reporting bureaus after the XXXX XXXX payment was missed. Crosscountry Mortgage incorrectly reported a rolling " 60-days late '' status after the XXXX payment was missed.

My wife and I contacted the mortgage company in an effort to remedy the situation.

We were approved for a COVID forbearance, which was later extended.

The entire duration of the COVID forbearance ( to include the extension ) was from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX we made a mortgage payment -- during the forbearance period. 
On XX/XX/XXXX we made a second mortgage payment -- during the forbearance period. 
On XX/XX/XXXX, we made a third mortgage payment -- during the forbearance period. 

We made these payments during forbearance to bring the account current. 

Crosscountry Mortgage accepted these payments, and applied them to our loan. 
However, the mortgage lender did not ( and still hasn't ) annotated our loan as " current ''. They continued to report " 60-days late '' on our credit reports.

The incorrect information Crosscountry Mortgage reported on my credit reports has harmed ( and continues to harm ) my wife and me in the form of emotional stress, higher interest rates, closed lines of credit from other lenders, and an inability to conduct financial activity with other lending institutions.

Our credit reports should reflect a 30-day late as of XXXX XXXX, and " pays as agreed '' as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
From : XXXX XXXX To : CFPB Date : XX/XX/2022 Issue of My Compliant- I went ot Bank of America branch on XXXX XXXXXXXX XXXX XXXX from XXXX  store to make a deposit of several checks and withdraw {$200.00} on XX/XX/XXXX. 
Shortly afterwards, I noticed that the Bank made an additional debt or withdraw of {$200.00} in my account on the same date. I have not made such additional withdraw. 
I have brought this matter to the attention fo XXXX XXXX XXXX, Relationship Banker at the Branch on XX/XX/2022. At first, the bank thought it might be a scanner error and told me it could be fixed by XX/XX/XXXX, the next Tuesday. What might have complicated the issue is that somehow the bank could not find the {$990.00} check I deposited initially, hence deducted that amount from the transcation. Thus I went to the other bank where this check was issued and stopped the check. The Bank subsequently found the check and returned it as I already stopped it. 
But the net result is I lost {$200.00} as a result. It seems to me that I should not suffer a loss of {$200.00} by simply deposit a few checks and withdraw {$200.00}, a very simple and routine bank operation. Since it's almost two months now and the issue has still not yet been resolved, so I decide to file a complaint with Federal Reserve, XXXX XXXX, which supervises Bank Operation for consumers. Thank you for your help on this matter. 

1. From my deposit statement on XX/XX/2022, with net deposit of {$860.00} plus a cash withdrawal of {$200.00} already included. ( A copy of a letter from Bank of America is attached with a photo copy of the deposit slip. ) 2. From attached file of my bank of america checking account ( ending XXXX ) XX/XX/2022 statement, page 2, there is an entry of {$860.00} deposit and also another {$200.00} debit, both on XX/XX/XXXX, which is incorrect, as the {$200.00} withdrawl is already included in the transcation involved in the {$860.00} deposit. ( My XXXX bank statement is attached. ) 3. I have brought this error to the attention of XXXX XXXX XXXX of the local branch ( XXXX XXXX XXXX across from XXXX  store ). In spite great effort by XXXX XXXX to resolve this issue, so far it is still not resolved. 

4. I also tried to see if I can reach online to file a compliant with Bank of America, but only get the following as response. " We did not find any transcation eligible to disputes. ''

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