BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Flagstar Bank, N.A.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was transferred from XXXX  to FlagStar in XX/XX/2022. Our autopay to XXXX continued until XX/XX/2022 and Flagstar collected those payments. We were not notified of this loan transfer. We do not receive mail at the physical address and had advised XXXX we require electronic notices. We could not know we were falling behind because the auto payment continued as usual until they abruptly stopped. We discovered via our credit report. 

We called Flagstar on XX/XX/2022, and they could not offer any assistance or explanation, so we paid three mortgage payments on XX/XX/XXXX. The website reflected the payment as accepted. 

When we logged back on to the portal this month, the portal no longer indicates those payments. They were deleted. We made those three payments again today, XX/XX/XXXX. The portal reflected as accepted. Then we received a text that the payment failed. We called Flagstar again. The representative XXXX, last name unknown, said we dont know nothing. That is a direct quote. She said they had no record of is ever making payments. We advised her we had texts FROM FLAGSTAR advising us to call this very number to get it resolved. We asked to speak to her supervisor and she said Im telling you nobody here knows nothing. When we finally persuaded her to speak to a manager, SHE spoke with the manager and came back and said we couldnt pay online becomes we were behind. So clearly her manager was able to determine the sissies nut not resolve it. Her manager would not speak to us. 

She said we would have to wait and see if the portal worked someday. When we advised this was not acceptable, she said all she could do was put in another payment because she dont know why Flagstar does it that way. Now our credit is ruined. We have sufficient funds to pay all payments and have never been unable to pay. We simply need Flagstar to accept the payments. We need to have this false credit reporting removed.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I filed a dispute in the Transunion website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX to XXXX XXXX and subsequently transferred to XXXX. My credit report with Transunion showed as I had double the amount of student loans : the original balances with XXXX XXXX before the transfer appeared as open with the original balances instead of {$0.00} balance and that they had been closed and transferred. Transunion never contacted me with the results of my dispute. On XX/XX/2022 I checked again my Credit Report with Transunion and the errors were still there. 

I tried to upload the letter or statement from XXXX XXXX showing that all my student loans had been transferred and the balances was {$0.00} and thus the accounts closed. When I completed the dispute and uploaded the letter/account from XXXX, the website of Transunion states Dispute Temporarily Unavailable. When I double checked I did not see any record of my original dispute of XX/XX/2022 or the follow up dispute of today XX/XX/2022.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX, TransUnion, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

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 2022-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper use of credit reporting. No evidence have been shown. Incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, 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 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
{$6200.00} was applied then deducted as though the payment was never applied or sent. When I call in to ask about the charge and reversal nobody can tell me where the payment was returned to. I asked for the payment to be sent back in the form of a check and my request keeps getting dishonored. Their records show that several payments were made and applied. However my credit limit was maliciously lowered and then reported to the credit bureaus. This malicious actions taken by chase has caused immense hardships in my life and has created very negative affects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-12-10
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: Account information incorrect

Complaint:
XXXX XXXX has violated the law again! They are now manipulating other data to damage my credit score! 

See how they are extending the fall Off date by a month! 

Deceptive trade practices! 

This is illegal!

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 2022-08-23
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Io, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A Medical Provider Patient First is attempting " Balance Billing '' for a Covid test XX/XX/2020... .The Bill has been sent to a collection agency. It is my understanding that Covid tests at that time were free. It is also my understanding that per the provider 's contract with XXXX they will accept the approved amount as full payment. For reference the " No Surprise Bill '' was not in effect at the date, however even at the date of service per their contract with XXXX a provider had to accept the reimbursement from XXXX as full payment... .I have XXXX XXXX that I owe {$0.00} for this service. The Credit Collection Agency is : Receivables Management Systems P.O. XXXX XXXX XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Siggi LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I have been a customer of Omni financial beginning XX/XX/2019. Since this time I have taken out 2 loans with their company and have made all payments on time. I am XXXX XXXX military and recently applied twice to have XXXX XXXX civil relief act ( SCRA ) benefits applied to past and present accounts in which my interest rates would be capped at 6 %. I provided all necessary documentation in my request including the state references that extend benefits to service members whose home of records fall within the key provision states. Certain states extend XXXX benefits to loans that were acquired during XXXX XXXX service, Ohio being a key provision state. I provided all necessary documentation with my request to Omni Financial specifically stating my request and was met denial from the XXXX compliance and risk XXXX, XXXX XXXX each time. My requests were very detailed in the explanation of the extended XXXX benefits provided by the key provision states and each time XXXX XXXX XXXX deliberately ignored any acknowledgement of those benefits. I am hoping to receive some assistance with my complaint regarding this matter. Thank you and have a great day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX  or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of XXXX  and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet XXXX utilizing Crypto.com services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
On XX/XX/2022 I made a transaction for {$40.00} processed through XXXX XXXX in US dollars to a merchant located in XXXX XXXX XXXX. On XX/XX/2022 I was assessed a fee of {$1.00} for making a foreign transaction. On XX/XX/XXXX I called Bank of America to ask about the fee and the associate specified that the foreign transaction fee is based upon the Merchant Address and not the processor as specified in the Bank of America Customized Cash Credit Card Agreement which says that " A Foreign Transaction is any transaction ( XXXX ) made in a foreign currency, or ( XXXX ) made in U.S. dollars if the transaction is made or processed outside of the United States. '' The associate refunded the fees and advised me to contact the XXXX in order to have Bank of America correctly process these transactions in the future.

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 2022-09-28
Company: Experian Information Solutions 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 endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-12-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo has failed to provide enough information to support validation of debt requested by me the consumer. Attached is the most recent letter they sent me, PLEASE READ THE LETTER CAREFULLY AND URGENTLY THANK YOU!!

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 2022-09-28
Company: EQUIFAX, INC.
State: MO
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 submitted a letter on XX/XX/XXXX which was my 2nd letter informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX. If the Credit Bureaus claim that the disptued Items belong to me, I need the Credit Bureus to send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I seek, Please remove the disputed items as soon as possible,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a letter on XX/XX/XXXX which was my 2nd letter informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX. If the Credit Bureaus claim that the disptued Items belong to me, I need the Credit Bureus to send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I seek, Please remove the disputed items as soon as possible,

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