BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the spring of XXXX, we opted to have our mortgage put in forbearance due to job loss by my husband. Bank of America called weekly and daily asking when we planned to pay ... everytime we told them we planned to resume mortgage payments in XXXX once my husband was back working, which we did. The bank sent a letter giving us an option enter a deferral and said to submit payment by XXXX XXXX to accept the terms, which we did. We paid online as usual and paid our mortgage HOWEVER the amount that Bank of America had posted online was different from what our letter indicated was the amount due which we did not realize. Bank of America did not update the amount on their website and we paid what was noted as the amount we owed for that date. We continued to receive calls from Bank of America indicating our mortgage was still in forbearance at which time we realized the discrepancy. On XXXX XXXX, XXXX, my husband ( XXXX XXXX ) spoke wo XXXX XXXX and said if we paid the {$15.00} then we would be all set and the mortgage would automatically come out of forebearance, which we did do. However calls continued indicating our mortgage was still in forebearance. We were told that today we would have this matter resolved yet today we called and the issue is still not resolved. We want to be able to refinance our home mortgage and take advantage of the low rates, however we can not since our home is still noted as in forebearance. WE NEED THIS RESOLVED. I do not want to keep going in circles with Bank of America. We have a made a total of 15 calls to their call center all of which were recorded and we expect this matter resolved otherwise we will take legal action. We have been paying our mortgage however this month decided not to until this matter is resolved since our account is still marked in forebearance. This experience has caused us substantial mental stress.

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 2023-10-14
Company: EQUIFAX, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected this account XXXX XXXX XXXX XXXX Balance : {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
SunTrust ran a promo ( code XXXX ) whereby if I had a direct payroll deposit of at least {$3000.00} for 2 consecutive months within the 1st 3 months I would get a {$500.00} bonus. I have met & exceeded those requirements ( my payroll direct deposit has gone into my account for FOUR months now and I have the bank statements to prove it. These XXXX are trying to claim they can't validate that it's a payroll deposit but 1 ) it OBVIOUSLY is, and 2 ) it shouldn't be my problem that they " can't : validate it & get their act together. I provided the name of my employer & even offered to send a W2 but their " Marketing '' dept. said if they couldn't verify it if they didn't see a certain code in the transaction but that is a LOAD OF XXXX by either incompetent or lazy people or thieves. I upheld my end of the promotion so please force them to uphold their end or FINE THEM for being 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 2023-10-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For years I had a XXXXXXXX XXXX XXXX for XXXX XXXX, the payments were by auto pay. Starting in XXXX through XXXX I was on several cruises in a row. My mail is held during this time. On arriving back home I discovered that XXXX had sold account to Wells fargo card. The transfer took place XXXX, by this time the acct. was reported as 30 days late. I have had Wells fargo for almost 30 yrs and have never been late on the several accts. and loans that I have had. My credit score went down XXXX points because of this. I explained this to Wells fargo and tried for 2 months with the help of a banker at my local Wells fargo branch to remedy this. On XXXX I received a call from XXXX XXXX from Wells fargo executive office stating that in XXXX my statement alerted me of this change. I pulled up both XXXX and XXXX. statements and nothing was mentioned pertaining to this. I am XXXX yrs old and have worked hard to maintain my good credit score and this 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 2021-02-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX billing cycle ends & starts on the XXXX of each month, however the bill is due on the first so when I made a payment in 1 month & then made the payment the next month its shows I made 2 payments in 1 month I called XXXX & they said I have no late payments and told me to start making the payments after the XXXX of each month - this is on my credit report as derogatory ( 30days past due ) when I talk to the representative @ XXXX  they figured out what happened by me making the payments on the XXXX of each month - the payment is {$74.00} - however I have been paying {$140.00} each month to pay it off in 3 yrs instead of 7yrs ( the representative @ XXXX says I have no 30day past due payments ) I dont understand how this is showing up on my credit as a negative there contact phone # is XXXX ext XXXX and the account number is XXXX can you please fix the inaccurate negative mark off of my credit report- thank you 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 2021-02-17
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: Was not notified of investigation status or results

Complaint:
I have file disputes with all three bureaus back in XXXX and I still havent heard anything from any of them. How long does this take? I know it suppose to be 30 days and it over 30 days now way over 30 days.

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 2023-10-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am infuriated, yesterday i got a voice message from Wells Fargo Fraud Department and their requested that I call them back which I did only to be passed from automated to automated response and eventually being kept on hold for over an hour to get a representative on the phone and finally gave up and hung up. It's XXXX now and I finally got a call back at XXXX today only for the bank representative to tell me that they have denied my fraudulent claim due to the fact they I was able to log into my online banking through out the periods of said transaction, this is their reason for denying my claim, insinuating that i must have seen this charges because I went into my account, they made they judgement based on insinuation of my awareness of my account being used which to me is absolutely benign. They was not even the decency to ask me any question regarding the log ins on my account the during the period and why i hadn't seen any of this transaction. I could feel XXXX XXXX XXXX as well as my XXXX XXXX going up as I was talking to this rep, and as a XXXX survivor who is pre disposed to XXXX XXXX XXXX my intensions was to stay calm n centered and blow up. After I told her the reasons I access the mobile banking and also what prompted to go through my accounts after seeing a video on XXXX that talks about bank hidden but heavily focused on Wells Fargo several malpractice which led me to discover unauthorized transactions. I had to step out side to cool my head and come back and call CFPB and I was suggest to put a claim. 
FYI I asked the rep if I can get documentation that supports their judgement and she told she will apply for some kind of appeal of this situation cause there's obviously no financial legal code that led them to their accusation, and I say accusation at this point because that's literally what their assumption means. 


Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : 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 2021-02-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I've been attempting to remove the fraudulent bankruptcies reporting on my credit report since XX/XX/2020. Its been well over a year and not only have the bureaus provided verifiable proofs that they are mine, they have not even started their investigations since I have received no letters from them. I have reached out to the courts in question and mailed the letters of their findings to the bureaus and yet they are STILL reporting the inaccurate information. At this point, I'm tired of mailing certified letters and shelling out money on a dispute process that is supposed to take 30 days and is now taking over a year. The bureaus are comfortable violating my rights under the FCRA and the federal law and I've had enough. This is their last chance before I sue for damages and more.

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 2021-03-17
Company: Experian Information Solutions Inc.
State: CA
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 a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request for Method of Verification Request from the CRA. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed

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 2019-11-20
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This communication is in reference to my LexisNexis XXXX Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis XXXX Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis XXXX Report. The item in dispute is the Incorrect Public Record Lien/Judgment/Civil Filing that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # 1 ). This is my fourth notice to LexisNexis regarding the Incorrect Public Record - Lien/Judgment/Civil filing that LexisNexis is reporting on my LexisNexis XXXX Report. This information is inaccurate because I have NEVER lived at the listed address and I have NEVER been associated with this address in any way. Additionally, LexisNexis has previously reinvestigated this inaccuracy and determined it to be UNVERIFIED ( See attached Supporting Document # 2 ). And, in a letter from LexisNexis to the CFPB ( See attached Supporting Document # 3, page 2 ), LexisNexis states : Lien, Judgement, and Civil Filings Records : In response to the complaint filed with your office, LexisNexis initiated a dispute of filing number XXXX on XXXX XXXX behalf. During our investigation, LexisNexis deleted that filing number XXXX. A resolution letter outlining the results of our reinvestigation and XXXX XXXX statutory rights will be mailed to his directly for his review. Upon review of all available court-related documents ( See attached Supporting Document # XXXX ) obtained from the XXXX XXXX XXXX Illinois XXXX XXXX XXXX there appears to be a legitimate court filing, however, aside from having a similar name, there is nothing in any of the documents that indicates that this filling is associated with me in any way. 
I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PARAGON REVENUE GROUP  has a {$7300.00} hospital bill ( with XXXX XXXX XXXX, XXXX XXXX, Florida ) which they posted as a NEGATIVE on my credit report in XX/XX/2022. Since this is the ONLY outstanding debt that shows on my credit reports, they have negatively impacted my credit. This medical bill was for an emergency room visit which my health insurance paid a lot of money on and I did not expect this surprise bill. I want Paragon Revenue Group to REMOVE this hospital bill debt from ALL credit reporting agencies. I never received an itemized bill from the hospital despite numerous attempts to acquire one. Please help and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
On my reports there is a closed account with huge amount of missed payments. JPMCB CARD XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB CARD has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I written several letters ( between XXXX XXXX XXXX ) to fed loan XXXX that I would like proof that I owe them money for this so called student loan that I supposedly have. I have requested the original loan ( that I supposedly have with fed loan ) agreement with my signature in black ink. Fed loan has failed in my request to see the original documentation. This has had a negative impact on my credit. I would like this issue resolved as soon as possible. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
yet another bank account blocking my funds for no reason. On XX/XX/XXXX i recieved my tax refund to my Citibank account. well there was some unauthorized transaction for a XXXX dollars on my account, I called CITIBANK to stop payment on that check. well the bank that the check was deposited to refunded me the money so i figure everything was good, well on the XXXX of XXXX i tried to acess my acount but it was blocked. i called CITIBANK again to figure out what happened. they told me they couldnt verify my account.. they used the word unfortunately so much that im starting to wonder why i opened this account. now after my lights got cut off and my landlord harrassing me about the rent, they still didnt resolve the problem. XXXX comes around now mind you im still trying to get this block off but they would unblock it long enough for me to get some money off of.. okay monthly charges are XXXX dollars a month they can acess their money but cant let me into my account.. thats not right. when the new card finally came i got to use it maybe 3 times before they blocked it again. talking about an alert on the account. i called when some of my purchases were declined but i have XXXX dollars in my acount ... now they know i just recieved that card and everytjhing i needed to pay buy or send i was doing until they blocked my card again.. they wont let me transfer the rest of my money out of that account. i have been warned at work for being on the phone with CITIBANK holding for aleast 1 hour for them to tell me UNFORTUNATELY ... its been so stressful my XXXX XXXX is up.. i cant buy food or send my kids to daycare because i cant buy food. im so upset right now.. this just cant be happing again.. 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 2021-02-16
Company: Phoenix Financial Services LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an account on my credit report that has indicated it is a medical debt. I have no knowledge of any account like this and have never had any medical debt, surgeries, etc for many many years. I have used multiple service providers to dispute this account over the last 6-7 years. Yes, I have disputed this MANY times and once it gets removed, it then gets replaced with a new collection agency. I have used XXXX, XXXX, XXXX, XXXX and XXXX to dispute all of these different attempts to clear my report. When I originally found the account on my report and disputed it, the collection agency was a company out of XXXX, Florida. Then another out of XXXX Ohio tried collecting on it and then another back in Florida, and now one in XXXX. No one has yet to tell me what this is. This has easily been on my report from one agency or another for 7-8 years. Considering this is a medical debt ( according to them as well as my credit reports ) even if it was mine, which I have no knowledge of and they have not verified and validated it is, it should only be on a credit report for 5 years ( Florida Statue of Limitations ). That alone should be enough reason to remove despite they have not verified or validated it is my debt. I believe the only way they are still collecting on it is because they keep re-aging the account and then replacing it with someone else who only sees that it's a new account and begins collection processes.

Company response to consumer: Closed with explanation