BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/, I gave moved out of my apartment after give my notice near in of the lease at XXXX XXXX residences in XXXX Texas. I asked if owed anything and they said no. Less than three weeks later I get a collections for nearly {$3900.00} and they reported to credit bureau the collection on XX/XX/XXXX. After fighting them for nearly year that I didnt owe that amount they finally sighed into their file and saw that {$3900.00} was incorrect. I only owed {$300.00} which a bill was never sent to me before going to collections. I paid it when they corrected there information. but its still reporting on my credit record and I think this deceptive practice and violates housing regulations. I hoping the consumer protection will look into this and get it off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card information was compromised through a purchase I made through XXXX  in XX/XX/XXXX. I learned of where my card was compromised in early XXXX, after I reported the credit card fraud to my bank, Bank of America. On XX/XX/XXXX, my card was charged three times, in amounts of {$1.00}, {$41.00}, and {$45.00} and on XX/XX/XXXX, my card was charged 8 times, in amounts of {$43.00}, {$41.00}, {$41.00}, {$41.00}, {$48.00}, {$41.00}, {$47.00}, and {$41.00}. Total is {$430.00}. These purchases came from the merchant name, XXXX under the category Shopping & Entertainment : Clothing/Shoes. None of these transactions were made by me and as soon as I noticed, I called Bank of America to cancel my card and report the fraud. Bank of America refunded me initially, but then re-charged me when they received some sort of delivery notification for these transactions. I reopened the case as I did not receive any of these fraudulent purchases. I told the agent with BoA that I have not made a purchase on XXXX since XXXX and that credit card was never attached to my account. I also confirmed with him via recordings on my XXXX XXXX that no packages were delivered when he said they were. He could not confirm the delivery address, only that they had been delivered. They denied the case once again, so I opened it back up and the agent I talked to the third time suggested opening a police report to help get me a refund for these fraudulent purchases. I did that on XX/XX/XXXX and the police report was approved by XXXX XXXX Sheriff 's Office on XX/XX/XXXX. I visited a Bank of America branch on XX/XX/XXXX and brought in a copy of the police report, screenshots from my XXXX account that show I have not made any purchases, and a letter from divvyupsocks.com that states my card was compromised. Both the agent in the branch and the fraud service agent on the phone apologized to me and told me this should be more than enough to get this taken care of. The documents were faxed over that day. I also asked at that time to receive whatever proof of delivery they have. They said they would mail it to my home address. I have yet to receive that or any notification that it is being sent to me. I have received nothing from Bank of America that shows they have proof of delivery for these fraudulent purchases. I received a letter in the mail dated XX/XX/XXXX stating that my fraud claim was once again denied. I will be visiting the branch again today, XX/XX/XXXX, to re-open the claim and let them know that I've filed this complaint.

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 2023-11-18
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:
Equifax Inc. has inaccurate and stale information on my credit report. Accounts and account balance updates are missing from my credit report. I receive regular monthly updates from all my accounts with XXXX and XXXX. I verified with my financial institutions, lenders, creditors that they do in fact report to Equifax for ALL my accounts. Equifax did an investigation back in XXXX when I called but no resolution. I also tried disputing missing accounts online but there's no option to do so. Based on my Equifax credit report, the last time all my accounts listed on my report, updates were last received in XXXX. But that doesn't make any sense when my creditors are reporting on a monthly basis and I personally see those updates with XXXX and XXXX. I think there might be a different report or reports that capture my creditors monthly updates. I recently noticed that all my XXXX XXXX XXXX that I currently have balances all disappeared from my Equifax report. That's strange, when I still owe substantial amount of money. Equifax needs to get the act together and investigate where my creditors updates are being reported too?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I try esolve problem whit company and never resolved and I have hard inquiry never I authorize I so torereceive letter about application is not 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 2023-11-20
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a bank account with chime with XXXX and I was forcefully locked out of my account without any notice or warning. I just opened my account 6 days ago and was waiting for my debit card. I inithad over XXXX in my account and another XXXX from my prize pics winnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/2021 XXXX XXXX transfer that was not picked up from XXXX XXXX But yet not return to my account. 
Amount of {$5000.00}.

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 2023-12-12
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent cell phone account under my name in XX/XX/XXXX. Original amount was {$72.00} I had sent a letter to XXXX XXXX XXXX on XX/XX/XXXX disputing the charge and had asked them to close the account and absolve me of all charges to the related account ( # XXXX ) I had reported to XXXX XXXX, report # XXXX Now I have received collection letter from TrueAccord XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXX XXXX XXXX This is a second agency sending me collection letter

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 2017-01-19
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My fixed rate mortgage payment went up again because of escrow. Nationstar never offered me a choice of paying the difference off or just accepting the payment hike. This happened for the second time with that company. Whereas before, when my mortgage was handled by other companies ( at least XXXX in the past ), I was always given that choice and was able to keep the payment amount the same. When I talked to Nationstar 's mortgage representative he said that they had sent the notification by email. I checked. That email did not have any sort of offer to pay off the escrow shortage. And even after I paid off the shortage while on the phone, the representative still said that the payment amount would still increase, even though less than before I paid shortage. I would like to know why a fixed rate mortgage payment still goes up with Nationstar and more importantly, why do they ignore my right of a choice to pay off the shortage before they bill me with higher mortgage payment. And why do they not let me to pay the Escrow myself? The Nationstar 's mortgage representative was not helpful with those questions. But he did send me the Annual Escrow Disclosure Statement this time, when it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have never recieved my old Us bank Debit card. Someone had stole and activating my old US bank debit card and stole all my funds out of my account. They had maxed my card out of {$15000.00}. i have never authorize any of those fraud transactions i had disputed immediately. I contacted police immediate and had submitted a fraud report for investigation. Us bank fails to investigate this fraud activity. They have never investigate this situation for over a year. I have been waiting months for them to tell me they dont have any investigation going on or any disputes.

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 2023-11-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it XXXX concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$230.00} for this account. XXXX XXXX XXXX were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the XXXX year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then XXXX continued to report charge off on my credit report, which affect my XXXX ( date of last activity ) & is continuously been extended I've attached copy of this account as its being reported from your bureau. 

Last XXXX of XXXX RE : XXXX I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The XXXX says that you have to tell me this in XXXX days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " XXXX years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within XXXX days or delete the trade-lines

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 2023-03-21
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
XXXX XXXX XXXX is reporting a late payment that is incorrect. I contacted them and notified them I had paid the payment on time in the store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
High interest rates and harm by illegal activity fro Wells Fargo auto loans for the year of 2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2023-11-28
Company: Home American Mortgage Corp
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
The company withheld funds for year end property tax payment. 
They assumed my property tax would be higher than it actually was and failed to return a fair portion of my escrow account overpayment for property tax. 
I called the escrow manager and as requested sent the actual and verified county assessment for property tax. 
She said they can't make an adjustment once the credit for overpayment is sent to me. 
They are holding on to about {$2000.00} of my overpayment money until XX/XX/2024 which is not reasonable.

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 2023-05-30
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Amex XXXX includes a {$200.00} prepaid travel credit for hotels every calendar year. I booked a hotel room, but severe weather prevented me from reaching the hotel. 

Amex XXXX refused to move the dates. They ultimately agreed to cancel the hotel room but reversed the {$200.00} credit, so I did not receive the promised benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN has violated my Consumer Rights. 
- 15 U.S. Code 1681a ( 4 ) : Consumer Right to Privacy -15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) : Obligations with respect to disclosures of personal information. I was not made aware of my right to OPT OUT of my information being shared.

- U.S. Code 1681b : Permissible Purpose of Consumer Reports -FDCPA 8012 : Furnishing Deceptive Forms : furnishing inaccurate inquiries and accounts

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