BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I have XXXX credit cards with Bank of America. I experienced financial hardship over the course of 2 years. I called multiple times to request help and they would not assist me and said nothing could be done. I finally spoke with someone ( in XX/XX/XXXX ) who said XXXX ( XXXX ) could help and provide the phone number to get things started. I set up an account with XXXX and they sent the proposal to BOA. BOA denied the proposal but did not tell me why for weeks. I finally found out it was because I had XXXX credit cards small balances and BOA demanded I included those in the proposal. I paid then off. XXXX was told XXXX tried to contact them and BOA did not get in contact with them. XXXX again tried to get in contact with BOA who stated I had additional things on my credit report and that is why they were denying me. XXXX and I pulled my credit report and there was nothing additional on there. Since XX/XX/XXXX, BOA is charging me late fees and over the limit fees and not working with XXXX after directing me to them. BOA continues to come up with excuses as to why they will not accept the proposals but either not sharing this information in a timely manner with XXXX or making up things that are not true such as the additional things on my credit report. I wrote their customer relations department early XX/XX/2017 and have not heard back from them. 
When I call in and speak to their employees no one has answers for me and it takes days for supervisors to call me back and let me know what is going on. They tell me wrong information such as they do not take outstanding medical bills into account and then say that the XXXX medical bill I have in collections does count in their decision. I feel like they are purposely not working with me in an effort to collect more money from 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 2023-09-10
Company: U.S. BANCORP
State: CA
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:
Went through XXXX with XXXX, and according too the XXXX company myself nore USBANK. We're supposed too be able too be represented by a Attorney, or Law Firm. As an XXXX is like a small claims case. But for some reasons USBANK, was allowed too not only be represented by both. But was allowed too present false, and tampered with documents in the case. Where when I disputed the evidence and documents. The hearing Judge. Said, for me to provide copies of my original documents where I sent statements, receipts of funds from me being put in the accounts and documents that the accounts were indeed, mine. But according too USBANK, supposedly Attorneys. At first they claim USBANK, said the accounts were not there's. Then a week before the Judge ruling USBANK through their Attorneys claimed that they had found the accounts and numbers. But that the accounts nore the account numbers were under my profile. So when I asked, the Judge about why would the accounts be under my name, social security number and address and it shows I was placing funds in these accounts. The Judge said " USBANK Attorneys, if it turns out that these accounts are indeed XXXX XXXX, I will have too rule in his favor and award him the amount he is requesting are you all sure that you don't want too try settling this before I make my ruling? USBANK Attorneys said NO. These accounts have nothing to do with XXXX XXXX. Where I was giving the final statement where I said " Your honor, once again if these accounts were not mine why would I have been paying the accounts, why would I be putting money in these accounts and why would these accounts be sent too me under my personal information? " After the XXXX, I was told I could get a copy of the audio tape of the hearing. When I called the XXXX company, they claim that they could not find any information on the case. Which was strange, because they sent me the ruling document. But then claim that they couldn't find anything on the case in their system. Then I seen your company went after them and won.

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 2023-08-07
Company: EQUIFAX, 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:
Today 's Date : XX/XX/2023 I talked to an agent of Equifax related to dispute : XXXX submitted on XX/XX/2023 with documents.

Best summarized version of call : " The dispute was closed because documents uploaded were missing FTC report. '' Dispute Results : '' If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, we contacted the company reporting the information to Equifax for them to investigate your dispute. '' My Complaint : 1 ] Incident reported on my credit report on XX/XX/2023, I filled first dispute on XX/XX/2023 on Equifax website and then another dispute for same issue on XX/XX/2023 and still my issue is as is on the first date. I CAN '' T CONTROL MY COOL. If I create a dispute on Equifax portal, they should approach me via email if something is missing or at least write it down CLEARLY in results that hard inquiry you tried to remove was not removed because of this reason.

2a ] Equifax decided to close the dispute with an ambigious and generic statement mentioned above. Such ambigious statements does not help to understand what exactly happened. Did they made changes? Did they communicated to company XXXX XXXX Bank in our case )? WHAT DID THEY DOOOOO? 
3 ] If dispute results does not tell what document is missing, how the XXXX would I ever know that Equifax wanted an additional document in order to remove unauthorized inquiry? How long do I need to track this item on my plate? It is a simple thing and Equifax is sitting idle on it until I approach them via robo picked up repeating instructions phone calls. 
4 ] No expedited service where person can provide " missing '' documents on the same dispute on their portal, or fax or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
They keep saying my XXXX  XXXX credit card is closed witch makes my credit drop it has happened three times I fight it they fix it and put the points back and each time with in for days they take them again and say the card is closed and they are not even reporting the other XXXX  XXXX card I have and the other credit companies are reporting them and I called XXXX XXXX they said they are reporting the account is open and they tried to call to rectify the problem with transunion but and had a tried to have a conference call with me and them but the transunion representative said they can not do it because it's a Privacy issue and could only speak to me even though I was on the phone to ok it and he said XXXX XXXX explained the problem and we could take care of it but after XXXX XXXX hung up the gentleman told me that it was being reported to them as closed even though XXXX XXXX just told them it was a open account and said he could not do anything then a few days later they fixed it and a few more days after that they said it was reported that it was closed once again my account is open and my credit report should reflect that

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 2023-06-08
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2023 : Speaking to XXXX XXXX XXXX in solutions @ XXXX informed me that XXXX XXXX his supervisor ( XXXX ) XXXX XXXX Transferred the call to XXXX XXXX XXXX, I utilized my debit card payment option to pay the full balance {$820.00} on TG Visa card @ XXXX. Confirmation # XXXX, She informed me that I would have to wait XXXX  days to receive a receipt that the account was paid in full. I also informed her that I was in the process of purchasing a property and simple needed an email confirmation of the payment/receipt which I have yet to receive anything after confirming my email address and phone number.

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 2021-01-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XXXX of 2020 with XXXX  XXXX XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: PLANET HOME LENDING, LLC
State: RI
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:
My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, Planet Home Lending has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas office. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a private student loan payment on XXXX. My loan was originally on deferment. Once the deferment was over I made a payment XX/XX/XXXX however after that payment my loan was then again put on deferment. In XXXX once I tried to make my payment their website/portal informed me I did not owe a payment at that time. After that I checked back in monthly but each time the payment due date was XX/XX/XXXX and it did not give me the option to make a payment. In XX/XX/XXXX XXXX sent me a Passed Due notice informing me a payment was in fact due but this already affected my credit score negatively. Even then when I logged onto the portal it stated I did not in fact have to make a payment until XX/XX/XXXX but I still made a payment for all the months I " missed ''. After that again checked their site was told no payment was due until XX/XX/XXXX and still did not inform me to make any payments. Then again in XXXX i received a Past Due Notice and my credit score took a huge hit. I contacted them and the customer service representative realized it was their fault and apologized that was it their mistake and that the portal was showing incorrect information but they did nothing to resolve this. My credit score dropped XXXX points due to their negligence and my numerous emails have gone unanswered. The only reply I got was that their loan is calculated on a quarterly basis. That does not rectify the issue they made or ease the financial hardship I faced due to their incorrect service. Paying loans is already a stressful process without the lender making you hop through hoops just to make a payment. I have never missed a payment with any of my other credit cards or loans because I check them all on a monthly basis. Due to their systems error I have " missed '' multiple payments and even now their online portal is incorrect. This is a huge injustice and they are taking advantage of student loan repayment services. The company is : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-02-01
Company: Resurgent Capital Services L.P.
State: TX
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:
After pulling my credit reports I discovered inaccuracies on ny reports. I reached out to these companies to verify accuracy with dates opened, dates closed and reporting dates and amounts. 
15 usc 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account info without written instructions. 
My account information was shared with other companies without my consent also information such as dates and amounts are inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 consumer rights to privacy and confidentiality under 15 USC 1681. U.S Bankruptcy court Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiry : XXXXXXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXXXXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXXXXXX XXXX Date of Inquiry : XXXX Inquiry : XXXXXXXX XXXXXXXX Date of Inquiry : XXXX Inquiry : XXXX Fcu Date of Inquiry : XXXX Inquiry : XXXX Date of Inquiry : XXXX Inquiry : XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX 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 state a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crime 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 2017-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/2015 I had a checking account with Bank of America. At the time I was working for a local XXXX who paid me by Direct Deposit. At my pay cycle in XX/XX/XXXX my DP was issued, and bounced. The XXXX then wrote me a regular check which I deposited. The XXXX at the same time as writing me a manual check had attempted to push my Direct Deposit check through again. The direct deposit ended up going through so the XXXX immediately placed a stop pay on the manual pay check. While this was going on I was working with the branch manager to help me avoid any fees or problems with my account. Abruptly the manager and myself were told that my account was now going to be closed. They closed my account shortly after with a XXXX balance. But when I try to get an account somewhere else, I 'm told I ca n't get approved because Bank of America has flagged me as fraud. I have called and spent over 30 hours on the phone with them to resolve this, every time I am told the same thing " we see that this is an error in our system but we can not resolve it you need to send a letter to our risk department. So I have, 4 times, and they have not responded to me one time. I do n't know what to do at this point, I ca n't get a bank account and this affects every part of my life. Please help.

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 2022-03-04
Company: Southern Auto Finance Co
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive have been trying to dispute this debt collection thats been on my credit report for 8 years now through Safco. The amount trying to be collected is much higher then what they are asking. I have spoken to them to delete it off my report because the age of the debt is past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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  Account Number # 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