BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
This all started in XX/XX/XXXXwith My Bank of America personal credit cards. I meet with my accountant and was told to pay down my credit card debt using my home equity line. For the past 4-5 years I have been paying the minimum amount and was set up on the Bank of America website to make auto payments so I would never be late.

When I attempted to make a {$10000.00} payment if was accepted through the website and then denied. I called Bank of America and we had to have a three way call with Bank of America, XXXX XXXX XXXX and myself to confirm that the funds were available. Once XXXX XXXX XXXX   reported that I had the funds to make the payment it went through.

I attempted to do this four more times between XX/XX/XXXX andXX/XX/XXXX with the same problems. I was told that my payment amounts were larger than my typical minimum payments and that a third party that Bank of America used must have messed up my routing number information. Furthermore they locked me out of my Bank of America online banking and I was and still am set up with paperless billing. So I would have to wait to get a call from Bank of America to make a payment and each and every time they told me that they would unlock my Bank of America online banking page so I could keep making payments.

Within the past two weeks I sent them over {$4000.00} in payments and then they sent me a letter telling me that they were closing two of my credit card accounts. I believe that this was done because I was paying down the cards and it appears to me that they were making it harder and harder to pay my bills. It should be noted that I have been a customer of Bank of America since XX/XX/XXXX.

I believe that this is the predatory lending, I believe that they did not want me to speed up paying my credit cards. I have had over a dozen conversations with various people at Bank of America and each and every one of them said that they could not understand why this was happening to me.

I called today to find out if they have set up a payment plan and was told just keep paying the minimum on the two cards that they cancelled.

I believe that Bank of America has been more than paid for these to cards over the past 13 years with the large amount of interest that they charge.

At this point I need your help to contact them on my behalf and either have the reported amounts due changed to paid in full or set up a payment plan as this has no effected my credit rating.

Thank you for your time.

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 2021-03-12
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the informa- tion in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account 1 : XXXX XXXX Account 2 : XXXX XXXX Kind Regards This account in general is reporting three different times with the same account number as well as different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: IN
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Ive been waiting for PSLF forgiveness since XXXX. I have over XXXX payments on XXXX loans!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-06
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I have inaccurate information reporting to my consumer report. The data furnishers are not in compliance with FCRA. I am a victim of identity theft and these accounts a fraudulent.

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 2022-10-26
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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-04-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I disputed a series of charges against my account totaling {$31.00}. 

Upon review of my last two statements, I see that I have been charged a late payment fee of {$27.00} on XX/XX/22 plus a {$2.00} interest fee on XX/XX/22. This was AFTER my payment in full of {$27.00} was paid and processed on XX/XX/22, as clearly shown on the statement I was sent and verified by the account summary on your website. Also, despite this balance being paid in full by me on XX/XX/22, which was an error on my part and I should have investigated instead of allowing it to be paid by my bank automatically, I was AGAIN charged a {$2.00} interest charge on XX/XX/22 with no outstanding balance on the account. 

I sent a letter in writing to the company on XX/XX/22 and received no response, my account shows no change, and I am unable to get through via phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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 been paid. They are now falsely claiming that they are owed money even though when I returned the lease. I was told there were no issues and I owed nothing.

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 2023-03-06
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card in XX/XX/2022 in the process of the card being shipped out i moved to a new address I called milestone updated my address they told me they had already mailed a card for me so o they were going to cancel it and mail me a new card to my new address I didnt receive the card till like a month and a half after they said they had issues with the plastic company who does cards and there was a delay so I finally receive the card in the process of activation the card was blocked so I call again to see whats going on then they tell me that the card was blocked for fraud they ask me to send several documents over to verify my identity I sent over a fax with my bank account statement a bill and my drivers license several weeks pass by and I call again and they said my DL was unreadable so I re fax it a few days pass by again and so I called to verify if it was readable and today for my surprise they say my DL is not valid and Altered and they closed my account permanently my DL is not Altered in any way all i did was capture a photo and fax it over I use this DL everywhere i have never had any issues anywhere this is not my first credit card Im feeling like the company is just a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Atty General of Tex Child support division continues reporting inaccurate information. fails to follow their own protocols. reports closed accts as open, reports past due balances on closed and paid account. etc ... 
I paid child support for 15 months iut of pocket to the custodial parent at XXXX $ month and filed a notorized copy of affadavit of support to atty gen office who failed to follow up on my case. This led to years of mis reporting and 150 yo 180 month lates on Experian and XXXX  that are not true. My case is now clised for over 6 months and XXXX gets an updare from the Tex atty grn office that I have balance if {$4500.00} and 150 days late. This is on a paid, closed acct with XXXX balance! 
I have sent lengthy e mails, called by phone numerous times through the years, and my case never gets corrected. 
Fraudulent reporting by the state if Texas continues to harm my credit.

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 2022-11-28
Company: CrossCountry Mortgage LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The notice that I received on XX/XX/2022, did not meet the standard required by federal and state law for a debt collector to send a written notice containing : a. the amount of the debt ( 1692g ( a ) ( 1 ), b. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 1692g ( a ) ( 3 ), and c. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ( 1692g ( a ) ( 4 ). 

Despite the failure to provide the above, XXXX XXXX XXXX XXXX XXXX XXXX gave notice stating that unless I pay the alleged debt in full including attorney fees, there would be a Non-Judicial Foreclosure on XX/XX/2022. 

I am in the process of sending to XXXX XXXX XXXX XXXX XXXX XXXX a " NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT '' notice. Whereas, I expect according to the Consumer Protection Law of the United States Code, verification and validation so that I can consider a resolution if applicable. 

I dispute this alleged debt, until verification and validation has been fulfilled in accord with the above notice, by the law office of XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collector ). 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: WI
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:
On XXXX XXXX, 2023, I contacted XXXX INFORMATION SERVICES to dispute inaccurate items appearing on my personal credit report. There was no action taken on my dispute and I have yet to receive a response. Therefore, since 30 days has passed with no response- these inaccuracies must be deleted from my credit report.

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 2022-10-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of the accounts below are not accurate. Payment history, the open date, date last active, and date of last payment is not 100 % accurate. 

XXXX Account # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Transunion for the past 5 months in regards to fraudulent accounts listed on my credit report each time i send in the requested information for my dispute they close it without verifying or reviewing any of the information. I know they are not investigating my report as per the law because i sent the same information to XXXX and XXXX and after their investigation the information was promptly removed. The FCRA requires all information listed on a credit report to be verified before reporting the information and Transunion is not doing that. I Disputed the information on XX/XX/23 and the investigation was closed and cancelled by Transunion the same day the confirmation number for the dispute is XXXX. I also did a dispute prior to that on XX/XX/23 and again nothing was done confirmation number is XXXX. If this is not resolved i will be proceeding with ligation.

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 2021-03-12
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a long time customer with Freedom Mortgage, for the past 4 years I am trying without any success to refinance the existing mortgage and I am concern of the way the company handles private information like the SSN. 

Every time I receive a notice that I am eligible for streamline refinance or other type of lower rates I contact the XXXX and I proceed with the application ; however each time after 20 or 30 days the applications is closed and the reason is always the same " incomplete application ''. 

The agent who normally takes the application becomes unreachable after they take the application over the phone and after the initial documents are signed, after that step the agents can't longer be reach. 

My concern is what does the company do with all those signed documents and SSNs etc and why is when the rates are the lowest the company always closes the applications. 

When I contact the company no one can explain what happens, they don't take the time to review the files and they don't offer any solution.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

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 2022-10-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiries

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation