BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Bank of America credit card is DISGUSTING! I purchased renters insurance for one year with XXXX XXXX ( through XXXX and a HUGE MISTAKE! ) on XX/XX/XXXX for {$140.00}. The agent charged me and stated I would get the declaration page through email but days went by and I never received it. XXXX couldnt find my policy nor my information the five times I called. So I disputed it with the bank. Finally, XXXX found my policy ( which was really weird ) so I then closed the dispute and the funds were put back onto my card. 
A few weeks later XXXX started harassing me that I did not pay the policy in full and I still owed money. XXXX claims BOA never released the funds ( basically stole my money ) I even reached out to XXXX XXXX, from XXXX XXXX ( who now changed her number ) who stated my policy is paid in full and to ignore all the emails. 
Well now, I AM WITHOUT RENTERS DUE TO XXXX CANCELLING ME!!!! 
First off, I want to explain the lack of customer service skills BOA representatives have. They literally will not answer your call for up to an hour, each and every time you call. It does not matter what day of the week nor time of day, know that you will be waiting on the phone for a ridiculous amount of time. That is unacceptable. The representatives have been giving me the run around about the dispute. One rep in particular, XXXX, left me a VM and I have been calling her back 3 times every day since and she still has not responded. After reporting them to the XXXX, they are doing the bare minimum to say they are at least responding, but no one is really working on it. I called yesterday and after waiting two hours to talk to someone, I was told there wasnt even a claim number for my dispute!!!! 
Plus, BOA is keeping the funds on my credit card even though that amount is being disputed and the service is cancelled!! 
BOA is insisting XXXX has my funds so they are not doing anything about it. I am NOT PAYING for a service I no longer have. One of these companies stole my money and I for sure am not letting this go until I get refunded!! 

Please note- if you need any other documents for proof, I will gladly provide them to 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 2021-05-29
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a MasterCard with XXXX and they closed my account due to inactivity after about a year without informing me first, negatively impacting my credit score even though I was waiting for a replacement card that never came.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern I first contacted Lakeview Loan regarding an escrow refund to borrow for the amount of {$1800.00} on XX/XX/XXXX. I contacted the company at the beginning of XXXX and inquired about why I received the escrow refund. The main purpose of my call was regarding an insurance payment {$1000.00}. When I signed paperwork for my home I never consented to this company paying for my insurance. It was told to me during that call that this company paid my insurance. Because of this, my escrow account was in the negative - {$350.00}. The insurance rejected this payment from this company and the company paid it again. The dates they ran the payment to insurance was : XX/XX/XXXX {$1000.00} They paid insurance on this date XXXX $ XXXX insurance kicked back this payment XX/XX/XXXX {$1000.00} They paid this again I cashed my escrow refund due to the agent who I spoke to telling me that it was okay to do so. In XXXX I received a letter stating I needed to pay a shortage in my escrow account of {$1300.00}. and that my {$1600.00} a month payment would now be increased to {$1800.00} even if I payed the shortage amount. 
I contacted the company on XX/XX/XXXX XXXX and spoke to XXXX. He said the company made a mistake during the escrow analysis update and never should have sent out a refund check. He stated he was putting in a work order to have this fixed and that my payment should remain XXXX. He told me the company would contact me. 
After not hearing from them I contacted again XX/XX/XXXX and for two hours was sent to three different people XXXX, XXXX and finally a manager XXXX. They all reviewed file notes and agreed that this was an error on the company 's side. She told me that because the shortage was cause by the loan company paying the insurance. She verified that there was nothing stating in my mortgage file that they were suppose to do this. XXXX stated to contact customer service via email that day and ask that they remove any further home owner insurance payments and by Tues XX/XX/XXXX my payment should go back to XXXX and not be {$1800.00}. She stated I would also not be responsible for paying the {$1300.00} shortage. I emailed them exactly as she advised that day. I emailed a second email XX/XX/XXXX a week later and a third email XX/XX/XXXX. My payment has not changed and no one from the company has contacted me at all over the last month and a half regarding this issue. I asked XXXX if I should just make my normal monthly mortgage payment and she said no not until this is resolved. That there is a 10 day grace period. 
This company has been horrible to work with. The lack of communication and wait time is ridiculous. The fact that their employees have acknowledged company errors and no one will correct them in a timely manner is unacceptable.

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 2020-07-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has 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 : 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 and consumer credit plan as late for any reason.

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 2022-05-27
Company: STERLING JEWELERS, INC.
State: AL
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 filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am currently outside of the country right now, which is why I am not able to go in person to the Bank of America branch to speak to them directly. However, on the phone they are no help. It seems like we get to a dead end each time. This is what happened. 

Back in XXXX, I was checking my email, when I saw my " sent '' outbox included an email to XXXX customer support. It said to change my phone number associated with that account. However, I never sent that email. Someone hacked into my email, and was able to gain access to my XXXX brokerage account and change my password and phone numbers associated with the accounts. From there, the hacker proceeded to withdraw {$16000.00} from my bank account, which was linked to my bank of america checkings account. This was done over the span of 4 months, starting in XXXX. I never noticed the funds being removed from my account, as they were done over time. I only caught it after I saw that email on XXXX XXXX, 2021. I have started a fraud claim with my bank, and have contacted XXXX  to shut down my brokerage account completley. My checkings account is also frozen, as I requested it after this incident. I have not authorized a transfer of funds to XXXX since XXXX of 2021. 

The bank refunded me a temporary credit. As it was fraud, I trusted in the bank 's abilities to handle it with the merchant, XXXX. However, XXXX was uncooperative and their " results '' yielded nothing. Months later, in XXXX, Bank of America wants me to return the money THAT WAS STOLEN FROM ME back to them. I am insured up to {$100000.00} in Bank of America 's debit card/account system. So they locked my accounts, set me to - $ XXXX and told me to pay up or else they would give my info to a debt collector. I tried to talk to them on the phone and explain that it was FRAUD and my money the money they credited me has already been used. Not only is this wrong. It will negatively affect my credit score, and I have a debt collector contacting me now. I also do not have any money to pay them back for the money that was stolen from me. It should not have been a disputed claim. It should have been directly FRAUD. I want the debts removed. They have already closed my account with them. I also field an Internet File complain center report, as the hacker 's IP, phone number, as well as the emails he or she had with XXXX to allow them to get access to my account are all in the file. XXXX has been usless. So the bank thinks i owe them now. I contacted XXXX. Inconclusive.

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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX Department/Variety and Other Retail XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2018-05-14
Company: Navient Solutions, LLC.
State: MD
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/2018 I noticed that on my credit report it states that my loan increased, causing my score to go down. I have reached out to Navient regarding this they have not only been rude but refuse to help in anyway to repair this. I have also noticed that they have I have 3 missed payments and during that time I was not working and was granted a forbearance and they are refusing to research this. On XX/XX/2018 I spoke with a rep regarding all this again and was unable to get anywhere with this. She stated That I need to call the credit agency. I have also noticed that for the past 2 months they have not even reported any on time payments. I am in need of assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am very disappointed with these credit bureaus, XXXX, Equifax, and XXXX. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, XXXX, Equifax, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Last year I have opened up an account with Amex Serve, everything was fine until XX/XX/XXXX when my account was shut down. On XX/XX/XXXX there was a direct deposit made in the amount of XXXX for a insurance claim that was filed for me and my partner. Due to Covid 19 we were forced to stay home and filed a claim with our insurance company XXXX, the processed the claim and issued a payment on XX/XX/XXXX. The deposit had a name of XXXX XXXX and Amex has decided to close my account. I have reached out to Amex on several times and none of them have been positive. My first attempt was on XX/XX/2020 and my second letter was date on XX/XX/2020. After second letter I have received a quick call stating the reason the closure but was not provided with any other options or a call back number to discuss that will happen with my money. I wrote another letter on XX/XX/2020 demanding my money either be refunded to the deposit be returned to XXXX so they can re-process it and have not hears back from them since then, I have even provided Amex Serve with copies of the actual claim information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has 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, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than XXXX years. 

! 5 U.S.C 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 has reasonable cause to believe that the information is inaccurate.

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 2021-06-11
Company: Bread Financial Holdings, Inc.
State: NY
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:
the following accounts are reported on my credit, without an authorization, please review them, they are hurting me Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft 01 COMENITY BANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

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 2018-08-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I wanted to purchase new shoes for my birthday on XXXX   and unaware of scams because all my life all my transactions have went smoothly I was not aware of getting scammed and the scammer made me pay through XXXX {$170.00}. I contacted my bank and XXXX, neither helped 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 2023-01-19
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
CAPITAL ONE XXXX XXXX XXXX XX/XX/22 XXXX. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} and XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$14000.00} 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 2022-05-27
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously summited information letting Experian know these accounts are fraudulent. Nothing has been done. The accounts are still reporting. My Identity ( social security number name and address ) was exposed in the 2017 XXXX Data Breach. I believe this breach is how my identity was obtained to open these accounts. I have several fraudulent accounts reporting on my credit profiles. Accounts listed below : I did not authorize anyone to seek credit in my name, XXXX XXXX account # XXXX {$1000.00} XXXX XXXX account # XXXX {$2000.00} LAST 4 OF SS # 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