BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: SYNCHRONY FINANCIAL
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:
I have a different amount showing on my credit report than what i bought. i have called multiple times with no regard for the fact that they have incorrectly reported two different amounts and they are both incorrect. i want it removed from my credit completely!

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, and XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX VA XXXX Attorney for the plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CASE NO XXXX XXXX XXXX XXXX account opened in XX/XX/XXXX CLOSED XX/XX/XXXX DUE TO FRAUD Balance owed was {$0.00} on XXXX XXXX Any fraudulent charges after XX/XX/XXXX I AM NOT RESPONSIBLE! 

Dispute filed with XXXX on XX/XX/XXXX File Number XXXX Still under review by XXXX   Many of the XXXX accounts were hacked in XXXX - security breach This is NOT my account you are trying to COLLECT. 
DO NOT CONTACT ME ANYMORE in writing or nasty calls to my wife number until this is being investigated REMOVE FROM MY CREDIT REPORTS! 
Company filed complaint with the XXXX COUNTY COURTS CASE NO XXXX XXXX BALANCE OWNED XXXX DOLLARS NOT OWED STOP HARASSING ME AND MY FAMILY ORIGINAL CREDIT REPORT WILL BE PROVIDED UPON REQUEST!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
COMPLAINT : I submitted the required {$990.00} prior to the XXXX of the month each month since inception as well as an additional {$350.00} per week to expediently repay the loan. I attach all statements commencing XXXX to XXXX indicating that all payments stated were made and received. Despite paying over double the requires monthly payments, Rocket Mortgage failed to timely apply the funds, misapplied the money received, sent statements requesting payment in excess of the amount due, levied improper late charges and sent statements with loan activity details so complicated that even a CPA could not understand how the money received is actually being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Source Receivables MNG XX/XX/2019 {$2.00}, XXXX I do not recognize this debt. This account looks like it may have been included in my claims against identity theft. This creditor has been notified and challenged on this. Yet has yet to remove this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX, my Bank of America/Merrill Lynch Cash Management Checking account was frozen without any reason or notification. I have had this account for over 40 years. I am XXXX XXXX XXXX Veteran and XXXX XXXX XXXX and have NEVER had insufficient funds. 

There were COUNTLESS issues and AGGRAVATION that caused me COUNTLESS HOURS and FEES and Bank of America NEVER answered the phone after HOURS. 

Some examples of the issues include but are not limited to the following : XXXX - My XXXX Check direct deposit was REJECTED because my account was frozen so the funds were not available and I had to contact US Government to track my money down XXXX - Countless checks I wrote to people for services and credit card bills were bounced. As a result, I was subjected to late fees for some services and everyone I paid was charged {$20.00} dollar bounced check fees XXXX - Bank of America NEVER EMAILED me or called me and I was NEVER able to reach them. 
XXXX - My wife spent COUNTLESS HOURS on the phone as the account is joint and they claimed that the account was frozen because they mailed my wife a letter asking her to verify her information. However, they never attempted to call or email me to tell me that if my wife didn't respond that they would freeze my account. This is UNACCEPTABLE and I have NEVER HAD to verify any info EVER BEFORE by mail or any other method. My son who used to work in banking noted that it could be XXXX fraud and not to provide personal information. He has had a Bank of America account for 35 years and NEVER shared personal info by mail and NEVER had his account frozen.

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 2020-06-22
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:
Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2. XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have several address account that are due to identity theft and I have filed a report after constantly trying to get you all to correct it.

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 2022-09-11
Company: EQUIFAX, INC.
State: VA
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:
The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Since XXXX XXXX, XXXX i entered into a fully executed contract and signed loan estimate with XXXXXXXX XXXX for a XXXX in XXXX, NY. Nearly 5 months later and i have n't heard a potential closing date. 

This delay has been inexplicable, costly and highly stressful to me, as the buyer, my family, my lawyer and even the seller. I 've made multiple attempts to move this application forward, but obtaining answers from the bank staff is very slow ( usual response is 10+ days ). In the last couple of months, most of my emails and calls to the bank rep have gone unanswered. 

My own research helped me understand the merger with XXXX XXXX XXXX and the transition of its residential mortgage lending, i 'm sure this is at the source of the delays with my loan. This bank 's internal turmoil on its residential mortgage is reflected in the unclear/repetitive document requests and lack of communication among bankers, loan officer, underwriter and bank attorney working with the same loan ( items have been requested more than once, an Addendum to the Contract was requested by underwriter on XXXX/XXXX/XXXX, 3 months after the contract was received, which leads me to believe improper review of my case ) at this point the appraisal expired and a re-certificate fee is being assess. 

My experience, demonstrates that Sterling is far from performing as a top regional bank in New York. My financial situation is more or less the same since i enrolled in the XXXX in XXXX, i demand an immediate resolution on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was in forbearance due to COVID-19. I was starting a new job. Approved forbearance on XX/XX/XXXX. I got several delinquent letters indicating my payment was past due. I was told the forbearance would not impact me negatively. Unfortunately, it did. I found out on XX/XX/XXXX my pending VA refinance loan with XXXX would be denied due to the forbearance ( in XXXX, XXXX told me it would not ). I immediately on XX/XX/XXXX, paid the mortgage for XXXX, XXXX and XXXX and cancelled my forbearance immdiately. I requested and was informed from Loan Care Servicing that I would receive a letter in the mail and an email stating my Loan forbearance was cancelled. To date, I have reached out to them 4 times and havenot been able to get any documentation refecting my current loan status with the cancelled forbearance. It is also reflected in my credit report that my loan is in forbearance. I paid my mortgage and cancelled the forberance weeks ago. I deserve documenation reflecting the update. I am trying to refinace my loan and need this documentation to move forward with the process. They didn't hesitate to send me past due notices but will not provide me with updated documentation despite numerous request from customer service.

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 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Investigation took more than 30 days

Complaint:
Consistent on time payments with Capital One Auto Finance. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had to file a complaint your your agency, several times on EQUIFAX. Each time the matter was corrected. But, now Equifax has a pattern of violating my rights provided to due and I can only believe it is due to the fact, that I have filed several complaints against them. 

The latest complaint is, that XXXX XXXX, has report a credit account to all 3 bureaus on my behave and XXXX  and XXXX  has updated and reported the account to my credit file. But, once again EQUIFAX, has choose not to honor the credit providers information provided and not report the account to my credit file. Equifax mandate, is to report the information provided by the actual creditor and has made the decision not to update the information provided, from the creditor. That is paying a service fee, to equifax, to keep current and update all credit files that the creditor provides data on. This is very unprofessional and has cause me a hardship once again. Due to the lack of not following the mandates provided by the creditor and the fed government. There should be no need for a long drawn out process, the information was provided to them and just needs to be updated as requested by XXXX. 

If things continual in this manner, I will have no choice but to file a civil case against them for all the various violations to my rights. 

I have attached a copy of my credit file, showing it has been report to the other bureaus and updated in a timely manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2021-05-02
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2022-09-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent {$1500.00} from my Citibank checking account to purchase a pet and the company turned out to be fraudulent. I was told that my money was not protected and I should contact law enforcement.

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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Account on my credit report have not being verified, TransUnion agents will not transfer me to a Manager or someone I can speak and look at the violations they are committing on my credit file. 
I have been disputing these accounts because they are not reporting accurately. 
USDOE /XXXX this account does not belong to me. I have checked with the company and they have no information of this account. Most likely it was a duplicate account. 

US Department of Education XXXX This account was charged off and marked as last day of activity XX/XX/XXXX but have day of last payment XX/XX/XXXX. Makes no sense.

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 2017-06-15
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened  a Wells Fargo  checking account on  XXXX . The deadline to open an account for the {$250.00} promotion was  XXXX . I confirmed via secure message that the promotion was attached to my account. I completed the requirements for the bonus (  XXXX  debit purchases or {$500.00} direct deposit -- i completed both ) and still have not received the bonus.

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 2022-10-03
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I previously submitted a complaint on XX/XX/XXXX that I initiated a consumer credit transaction at XXXX XXXX on XX/XX/XXXX with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything. 

GM previously responded back as if I my complaint was about a inquiry ( which it should be ), it was not ; and that I had applied for a XXXX XXXX XXXX this consumer transaction. My credit application was initiated on a XXXX XXXX XXXX XXXX XXXX. My main focus is that this was a fraudulent transaction. GM Financial is in violation pursuant to 15 USC 1642,15 USC 1681m and CFR 1002 because I the consumer initiated a credit transaction in good faith, but credit was not issued.

Furthermore, this is violation of 1602 ( p ) because my SSN ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on GM 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: The CBE Group, Inc.
State: HI
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:
CBE GROUP is reporting that I opened an account with them in XXXX and defaulted on said account in XXXX and that information is not true. I have never spoken with, been contacted by, or opened any accounts with CBE group. 

I reported this to XXXX Credit Bureau and after 48 hours they responded saying the account meets FCRA requirements. They didnt do a thorough investigation. 

CBE group has a negative reputation for this predatory form of extortion. They are destroying my credit. My XXXX score plummeted 85 points from this illegal reporting. From XXXX to XXXX. I have zero late payments on accounts and before they reported this false information, I had zero collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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:
Vehicle illegally obtained in my identity Account # 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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Vehicle illegally obtained in my identity Account # 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 2017-06-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my cell phone and my work number asking to verify my information. They also call my  human resources manager a sking to verify information about me personally. I investigated the number that they were calling from and I found many complaints and reviews that they are a fraudulent collection company.

Company response to consumer: Closed with explanation