BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
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:
I made two credit card payments through XXXX to rental agencies, XXXX XXXX XXXX and XXXX XXXX, that were misclassified by Bank of America 's XXXX as utility payments instead of using the correct merchant code. Consequently, this misclassification reduces the cash back rewards since payments to utilities are not classified as travel, but payments to Real Estate Agents and Managers ( Rentals ) are classified as travel. 

In contrast, Bank of America Visa correctly classifies the same payments as travel, providing the correct cash back rewards. 

I have contacted XXXX, Bank of America XXXX to correct the problem, but was given a run around - each saying it is the other 's responsibility to fix. 

Please note that Bank of America correctly classifies these identical payments as travel for rewards.

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 2017-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried calling - never get to speak with an actual person. Everything to order the Free Credit Report based upon Credit Denial is very confusing. When I tried today, I had to enter everything either by responding verbally or by phone keypad, received my confirmation number but it then just kept repeating. THERE IS NO MEANS WHEN YOU CALL " To speak with a representative ''. What 's even more disturbing Equifax appears to make the requestor think they have to pay for the credit report - no mechanism to decline - then you have to hang up and start the phone call all over again. I believe Equifax is attempting to mislead someone like myself into paying for what I am legally entitled to for free. As a XXXX it is particularly disturbing and it is my request that the Consumers Finance Protection Bureau take action against Equifax for making is tremendously difficult for people to obtain their free credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan was orginated by XXXX XXXX  in XX/XX/2020. 
Principal balance was : XXXX at 3.125 % 30 years fixed loan. 

We have been paying monthly principal+ interest, with additional principal balance of $ XXXX/month. 

We have never been late nor missed the payment. 
The recent statement from Freedom Mortgage reflect different remaining blance. 
I requested the explation, no one reached me in writing to explain what happened. 

This company is really ridiculous ignoring my request and failed to explain why my loan balance is higher than it should be by now. 

Need detailed written explanation why balance is higher that what it should be. 
Who took my money and applied these fund to where.

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 2023-09-18
Company: Frost-Arnett Company
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXXXXXX XXXX billed my insurance company for a XXXX I paid my amounts due after insurance. I then was billed again for the same procedure, and another one ( same type of procedure, same day ). The company XXXX XXXX XXXX  called me to collect and I talked to them about the prior billing and insurance payments etc, and it seemed clear based on my conversations with them they needed to take away with their " research department ''. I received a call a few weeks later from another XXXX rep trying to collect, went through it all again, no indication they had researched etc. Later I received a letter from Frost Arnett, a collection agency, walked them through issue and sent them a letter that I don't believe I owe anything ( attached ). They or XXXX never got back. Now I have XXXX XXXX XXXX harrassing me with calls, etc. I sent them the same documentation I sent Frost Arnett. I also sent XXXX a notification now today that I would be following up with the CFPB since I can't get anyone to do the analysis versus just try to strong arm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 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 2022-10-05
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX reported me to a collection agency, Account Corp of Southern Nevada who reported me to the credit bureau for a debt that I don't owe. I contacted Account Corp on XX/XX/22 and was told that I owe for unpaid co-pays and a {$40.00} no show appointment fee totaling {$150.00}. I explained to the representative that I always paid my co-pay because XXXX XXXX office would not provide service before collecting a {$25.00} co-pay and that If I missed an appointment ( which I am not aware ) I was not informed that I owed a missed appointment fee. The representative at Account Corp informed me that they received the debt of {$150.00} and I am being charged an additional {$160.00} in collection fees and interest. The amount that appears on my credit file is for {$370.00} a different amount than what she told me I am being charged for. 


.

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 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2021, I sent a letter to TransUnion a verified asking them to verify the validity of a bankruptcy they are reported on my credit file they then responded to me with a letter stating that it was verified through XXXX. Then I went directly to XXXX to dispute the item in question XXXX came back to me saying they could not verify the items in it was deleted from their database on XX/XX/2021. 

I then went back to TransUnion on XX/XX/2021, showing them that the bankruptcy was deleted from the XXXX profile. Informing them if they can not provide the source of verification that this bankruptcy needs to be deleted from my credit profile immediately as it is defaming my character. TransUnion XXXX responded to me that the bankruptcy was verified through the bankruptcy court I also provided to them on XX/XX/XXXX as well as XXXX and XX/XX/2021, that the bankruptcy court provided me a letter on XXXX the XXXX 2021, stating that they do not provide verification of bankruptcies to any credit bureaus. Credit bureaus are responsible for verifying bankruptcy through third-party agencies in the third-party agency that TransUnion indicated that this bankruptcy was verified with XXXX  who was unable to verify this allege bankruptcy as accurate information in removed from my profile as accurate information. According to the FCRA the credit bureaus must report accurate verified information in this information is not accurate nor is it verified, and they are refusing to delete this information, TransUnion is out of compliance with by law and this is affecting my credit profile. 

This item needs to be deleted from my credit profile immediately within the next 30 days. 

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
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have filed had to add multiple initial fraud alerts, the most recent that I filed was XX/XX/2021 that was removed from my equifax account without my permission and no one at Equifax can tell me why. I have mailed paperwork three times to get an extended fraud alert added for me and once for my mother. Her information was received and add to Equifax. I mailed the documents on the same days which was XX/XX/2021, then again on XX/XX/2021 and then mostly on XX/XX/2021 with tracking information from XXXX Delivered, Individual Picked Up at Postal Facility tracking XXXX XXXX XXXX XXXX XXXX XXXX Delivered. Per XXXX tracking information my documents were received by Equifax on XX/XX/2021 @ XXXX and picked by an individual at the postal facility. I contacted Equifax on today XX/XX/2021 and spoke with several reps, who stated they don't have my documents and the supervisor XXXX she stated they don't have the documents. I called previously after both XXXX  and XXXX had added my extended fraud alert back in XX/XX/2021. After being wrapped up in 2 Equifax data breaches and having to send my documents three times for one at Equifax to be able to locate my documents is a scary situation. I need help and assistance because no matter how much information I have that my documents were received or that an initial alert was placed and removed without my consent they are not protecting my credit file. Equifax provided information that the initial alert was removed from my account and still have no clue as to why. Equifax initially had someone else 's information on my credit file. I had to provide proof of who I was to have my information corrected to get speak with a rep at Equifax. This continues to happen for the past several years. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: LEXISNEXIS
State: WI
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:
1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXXXXXX XXXX XXXXXXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 
XXXX XXXX XXXX Balance Owed : {$500.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$500.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP.

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 2020-12-18
Company: Allied Collection Services, Inc. (Nevada)
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted on XX/XX/2020 by Allied Collection Services Inc. of Nevada about a XXXX dollar debt owed to XXXX. I have never been a XXXX customer. Their number given to resolve this issue did nothing but try to pry more personal information out of me. I signed up for XXXX immediately after to monitor both this company and the possibility of identity theft. It's great I did because ACSI put this on my credit report on XX/XX/2020 despite the fact that it still isn't my debt. Also, they reported the debt being from XXXX of 2020, which is simply way too soon to put a XXXX dollar debt onto a credit report, even if it was my debt, which, to reiterate, it isn't! 
According to other reports, I'm not the first person they've done this to. They don't even bother to change the fake representing company ( XXXX XXXX. This company, if it's truly making up these debts, needs to have its doors shut. If it's just an unfortunate coincidence brought about by identity theft, their practices are still awful and must be monitored more closely.

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 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
New account. It has been placed on a total of three ( 3 ) payment holds already. Each payment hold is a complete account lock-out for a total of twenty-six ( 26 ) business days. I called and spoke with the manager/supervisor over the phone, but the creditor claimed they had noted the concern on my accounts, but it is Capital One 's policy to place a payment hold for twenty-six ( 26 ) business days at their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I logged into my Citi XXXX account to make sure that a direct deposit from my paycheck was received, please note I have had this direct deposit set up to reoccur from each paycheck since XX/XX/XXXX ( {$100.00} twice monthly ) without previous issue. I contacted Citi through their chat support function and was told a recent transaction ( the reoccuring direct deposit ) was flagged for fraud and I would need to contact the Fraud Servicing Unit at XXXX. On XX/XX/XXXX I called the number provided and gave my information to an associate, explained the situation, he told me he couldn't do anything and would need to transfer me. I was put on hold for more than an hour, gave my information to the new associate who then proceeded to tell me that my account was blocked and flagged for closure and I would receive a check with my funds within 60 days. When I politely asked why the account was closed, she told me she didn't have any additional information and promptly ended the conversation and disconnected the line. Confused, I proceeded to call the customer service number, XXXX, got through very quickly and was again told my account had been blocked, I would receive a letter once it had been closed, and would receive a check within 60 days of receiving the closure letter. I am relieved that this is not my only bank/source of money since I will not be receiving the funds for at least 60 days if at all. For most people who are living paycheck to paycheck, this would be a complete nightmare. Lesson learned, do not bank with Citi.

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 2018-08-22
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account GOLDEN 1 CREDIT UNIO which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GOLDEN 1 CREDIT UNIO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-09-18
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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 filed a few disputes on Experian, XXXX, and XXXX. I have a FTC ID theft report- and whenever I file the disputes they say the same thing- as " verified by data furnisher '' - but in the description it says " consumer provided vague information. How is a Federal Report vague information? All of the other items on my report were taken care of- and yes there were several ; except for the fact that every hard inquiry except 1 on my report, was not done by me. Also, even the soft inquiries- hundreds of them- still show and affect my score! Before all of this ID Theft, my credit score was at XXXX ; now it is mid XXXX. This has ruined my life and my business! I am a sole proprietor- so the negative impact of all of this has brought my business on the verge of closing! All due to the fact I cant get any financing/credit because of this!

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