BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
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: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been very sick for approximately 15 months now starting XX/XX/XXXX of 2021 is when I was first admitted to the hospital and I haven't used my Bank of America EDD card since that day or before. Since then I have spent approximately 6 months total in the hospital I've been in and out and staying with family and after the first hospital visit when I returned home briefly in XXXX to find that my entire home had been ransacked vehicles stolen everything I owned was gone I never went back to my home. For a year I didn't have access to any of my emails my phone everything was in my home and all of my information was in my computer and everything was stolen from me. I couldn't even call the phone company and turn my phone off because someone had changed the password and they said I needed to go into the store with my ID and this was impossible as I was so sick I couldn't do that. I didn't have access to any of my emails I only recently have felt well enough to start delving back into all of that and getting some of my old identity back. I initially filed a claim while I was in the hospital I believe last year maybe in XXXX over the phone and apparently that was denied and now I filed it a reconsideration and it's been almost 2 months and they're just telling me they still don't have an answer for me and that's not acceptable. They initially said they checked the spending habits and that there was nothing unusual but that can't possibly be true it has to be unusual because I know that it wasn't me so it can't have been possibly like my normal spending habits someone's just not doing their job I lost everything I owned and {$5000.00} that was in this account and I don't think that they should just get to take as long as they want to make the right decision here my social security number is XXXX I'm sorry I don't have the account number or claim number but I know they can pull this up with my social. My phone number is XXXX and the address on file with Bank of America is XXXX XXXX XXXX in XXXX California. It has been over a year I've been trying to resolve this and last time I called to check on it was yesterday and they said they have no idea how much longer it will be even though they initially said less than 45 days that's not fair and it isn't right

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 2023-11-29
Company: United PanAm Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have made attempts to remedy situation even did what I was told only to be threatened every other day. My payment is due until the XXXX. My payment is XXXX I only owe XXXX which isn't late or past due until after the sixth. Why am I being threatened or even called. Telling me it's in my best interests. I'm no longer past due so what interests are you referring to. They are leaving voice-mail saying my car is up for repo how? It's current you can take a car that's not even 30 days past due. I don't want to be called anymore all communications should be sent via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Atlanticus Services Corporation
State: IN
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: Problem with personal statement of dispute

Complaint:
Requested to have the late remarks stricken from my report so I can close on a house, but the lenders are refusing to remove said remarks due to their opinion that the information is accurate so they don't need to remove it. The problem with this is that the payments have been made, the delinquencies have been resolved, and a thorough explanation was given regarding what happened to cause the delinquency to begin with. They didn't care. They seem to think that just because it occurred to begin with, I should suffer from such and that they are under no obligation to help out at all. All communication was done over the phone with the lendersXXXX XXXX XXXX XXXX and XXXX. The lenderS said the information is accurate and to talk to the credit bureaus. Then the credit bureaus tell me that they only report what the lenders tell them and to go back and ask the lenders to remove it. I have been filing disputes and talking to them but they're dragging this out and I only have so much longer before the seller backs out and my loan possibly gets denied due to these late remarks. I don't know what else I can do because they won't work with me and they aren't doing their job of removing these remarks. I am working with XXXX XXXX  to do better and take the necessary steps to have a healthy credit. The date I'm referring to is XX/XX/XXXX  's payment for my {$2300.00} auto loan with XXXX XXXX XXXX XXXX and {$1400.00} loan with Fortiva. Yes I was late, but I've explained that it was due to medical issues with me and my XXXX  being sick and being worried and distracted by this that I ended up being late. I need a home for my family, so I won't let this happen again because I'm trying to do right by my child. I don't know what else I can say or do to get them to do their jobs, please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit 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:
This is a follow up and an update to the complaint number XXXX filed on XX/XX/2023. The details of the complaint earlier filed can be referenced to the Complaint_CFPB number stated above. The reason for the follow up or update to this complaint is that I got in the mail today, a later dated on XX/XX/2023 that the claim has been updated and that the temporary credit of {$1100.00} ( including credits and fees ) has been made permanent stating it was resolved in my favor ( See attached document ). However, this is not the case. Though this letter was sent out on XX/XX/2023, the closing statement balance of the credit card account on XX/XX/2023 is still showing the disputed amount of {$1100.00} which means the letter sent out has not yet been honored or implemented. Also attached is the latest statement balance.

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 2018-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have filed 2 complaints on bank of america, now they have sent a {$27.00} return check fee to regulatory complaint servicing ( a debt collection agency ), who i can not reach because i could not hear the employee ext. # given by XXXX XXXX who called me on XX/XX/18 at XXXX XXXX. There # is XXXX I HAVE A XXXX BALANCE, THIS {$27.00} HAS BEEN CREDITED TO MY ACCT. I WANT BANK OF AMERICA TO CONTACT XXXX XXXX AND CORRECT THIS EVIL THEY ARE DOING TO ME. 
I CAN NOT REACH HIM BECAUSE I DON ' T HAVE HIS EXT # I CAN NOT BELIEVE THE EVIL SCHEMES OF THIS COMPANY, THIS IS A NEW LOW. PLEASE HELP ME. I WAS ENRAGED WHEN I REALIZED WHAT THIS COMPANY WAS DOING TO ME AND I TOOK IT OUT ON THE CS AGENTS, SO THIS IS THERE REPAYMENT. I WILL STOP THIS DEMONIC GAME RIGHT NOW BY APOLOGIZING FOR MY BEHAVIOR, BECAUSE I DID JUST WANT
EVIL WANTED ME TO DO, SHAMING MY LORD & SAVIOR XXXX XXXX. BUT HE WILL WIN, BECAUSE I FORGIVE.

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: Southwest Business Corporation
State: TX
Product: Credit reporting 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 a mortgage with SWBC. The account was on a forbearance during covid-19 and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. SWBC agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on XXXX XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Valor Intelligent Processing, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls beginning XX/XX/XXXX thru XXXX from a listing identified as Valor. Because i was unfamiliar with this number i did not answer until recently The caller begin with a series of questions attempting to identify me while refusing to identify who they were and the reason for the call. Needless to say, i discontinued the call and received another call from this company a few days later. Person refuses to identify themselves are the purpose of the call. 

I subsequently found the company to be a debt collector of which i have no knowledge and owe no debt to. Repeatedly calls to my mobile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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:
A company named " XXXX '' is the payment servicer for the US Department of Education. On XX/XX/XXXX, XXXX cashed my full {$7700.00} student loan payment. United States postal service sent me a copy of the signed delivery confirmation upon delivery to the XXXX payment center located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As of today, XXXX, the financial payment service for the United States Department of Education claims my student loan payment is " unable to be located. '' I have shared the original copy of the XXXX employee 's signature on the delivery confirmation and the XXXX employee 's signature on the payment receipt for cashing my {$7700.00} payment. It is shameful that XXXX is illegally reporting student loans as outdated collections on credit reports after cashing customers ' checks for nearly XXXX XXXX dollars. After cashing my student payment of {$7700.00} XXXX refuses to correct my credit file to report the status as " paid in full. '' Per the police department 's advice, since the payment is signed for and cashed by a XXXX employee, I filed a police report with the XXXX XXXX Police Department. A copy of the XXXX XXXX Police report to XXXX, the US Department of Education, and the credit reporting agencies on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Midwest Recovery Systems
State: OH
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:
While in process of obtaining a mortgage found that mid west recovery had place a medical collection on my credit report XX/XX/17. I then reached out to them to get more information person on other end started yelling about me not paying my debts. I filed a dispute but that didn't help. I got no notification of this debt before it was placed on my credit report and to this day still nothing. I just want to get issue resolved so that I can purchase my first home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous.TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXXXXXX Balance : {$54000.00}

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 non-monetary relief
Consumer complaint received 2022-03-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 I submitted a negotiable instrument along with a remittance coupon to set off XXXX 's monthly statement. Your offer was accepted in the amount of {XXXX  for the value and consideration and tender the payment for the complete amountand accord satisfaction. Per UCC 3-603/ 3-311 upon redeeming the instrument.

Once accepted for value, the enclosed instrument is a lawful specie of payment under UCC 3-104, which can be used to credit/ off-set the balance of account. 

On XX/XX/2022 the account was only credited XXXX You are in violation of 12 CFR 1026.13 and UCC 3-501. 

I also learned after the fact, that my account was closed on XX/XX/2022 due to a past due balance. I was not informed that my account would be closed, and I have been in communication with American Express informing them of the entire process. It is a violation of the Equal Credit Opportunity Act 12 CFR 202.2 ( c ) ( ii ). 

I have informed the company and gave ample time to correct the billing error and restore my account. We are well beyond a month now. Despite my urgency due to it's time sensitivity, I have not been given the proper due process into this matter, and my credit image is damaged daily. Also financially I am experiencing a great deal of stress not having access to a main credit line. I incurred paying higher fees using other cards to compensate for the lack of not using my American Express credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to 15 U.S.C. 1681B ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( inquires ) - ( 1 ) In General A Consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( c ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) The consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transacation consists of a firm offer of credit or insurance.

( 3 ) INFORMATION REGARDING INQUIRES I DID NOT GIVE CONSENT TO ANY COMPANY TO PULL MY CREDIT REPORT THEY JUST PULLED IT ON THERE OWN I GUESS THEY WERE BORD OR NOT PAYING ATTENTION OR WHAT EVER THE EXCUSE IS BUT I JUST WANT THE FOLLOWING INQUIRES OFF MY REPORT : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXER BANK - SXX/XX/XXXX I HAVE TOLD THE CREDIT BURASU A MILLION TIMES ABOUT THIS ISSUE ESPECIALLY { { EQUIFAX } }!!!! EQUIFAX TOOK THE INQUIRES OFF SENT ME PAPER WORK THAT THEY TOOK THE PAPER WORK OFF THEN INSERTED THE INQUIRES RIGHT BACK ON MY REPORT AND DID NOT EVEN SEND ME A LETTER BEFORE HAND TO TELL ME THAT THEY WERE GOING TO DO THAT!! THAT IS A VIOLATION!!! EQUIFAX STAY VIOLATING EVERYDAY LIKE ITS A GAME!!! I CALL EQUIFAX AND IT TAKES ME 3 XXXX HOURS TO GET A LIVE PERSON ON THE PHONE AFTER THE COMPUTER HANGS UP ON ME OR ACT LIKE IT CAN'T VERIFY MY INFOMATION BY TELLING ME THE INFO IM GIVING THEM IS WRONG!! HOW COULD THAT BE I KNOW MHY XXXX CREDIT REPORT INSIDE OUT I KNOW MY OWN PERSONAL INFOMATION WHEN ASKED ABOUT TO BECAUSE ITS MY INFO MY LIFE!!!!!!!!!! IM TIRED OF THIS EQUIFAX BETTER STOP PLAYING WITH ME!!!!!! AND THEY NEED TO ANSWER THE PHONE!!!! PEOPLE NEED HELP OUT HERE WE ALL HUMANS NOT ROBOTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit 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:
I saw on my credit report that there was a huge drop in credit score, and investigated to find that some scammer opened 2 lines of credit and one line of personal loan under my name, using my social security and birth date. I contacted the bank that the two credit cards were filed under, capital one, and they were able to show that it was fraud for one of the cards, but not the capital one platinum card. I have provided ample evidence, including the email, phone number, and address of the believed perpetrator, and capital one keeps on saying that they do not see fraud in what I provided. I live in XXXX, CO, and the transactions all took place overseas, and in California, ( where I believe the scammer lives ). I even provided the scammers email, phone, and address, and was hoping for some sort of help but they keep on saying the case is closed and I am responsible. I have a online statement I had to break into the scammers capital one online accoutn ( he used a lot of my information so I was able to guess some security questions ) and saw that he changed all of the information for me to him so I would not catch him, my address is XXXX XXXX XXXX, XXXX, XXXX CO XXXX, and I even provided to capital one that the statement on the e capital one app doesnt even match mine but they didnt care. The address of the perpetrator I believe is XXXX XXXX XXXX, as shown in the pictures below. I never authorized any of those XXXX transactions, and I am a XXXX, who do not have sufficient funds to pay for someone elses charges. Please help me out, thank you. 
Case number is XXXX for reference with capital one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: NC
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 - I have sent several dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Currently, Experian is not reporting my mortgage information that I have with XXXX XXXX XXXX. I have called multiple times both companies to attempt to get this situation resolved. However, to date ( XX/XX/2023 ) the information has not been corrected and/or reported! In my opinion, this is fair credit discrimination! I was denied credit by banking institutions just recently. Also, I would like to have the two hard inquiries on my credit report removed immediately! 

Thank you!

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