BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: IL
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:
Im a victim of Equifax data breach an I noticed a few fraudulent inquiries placed on my credit report without my proper authorization. Ive reached out to the credit bureaus to resolve the situation but they still failed to remove the fraudulent inquiries witch is listed as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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: Problem with personal statement of dispute

Complaint:
Bank of America reported a late payment on XXXX, 2017. I was put in this position because of BofA. BofA website itself doesnt have an easy mechanism for setting up autopay. Their agents on phone setup a recurring payment which isnt based on the statement balance and the way they set it up it deducts money even if there is no balance on the account. It is for this reason that I had to remove a previously setup autopay. During XXXX, 2017 I was traveling out of the country and didnt have access to internet and missed paying the amount. Recently, when I enquired about the credit report, their rude staff told me that I had refused autopay in the past so they wouldnt delete the report. After that call, I had called again to setup autopay and I wasnt able to, the agent on the phone directed me to webpage and what was shown there and what I was seeing on my phone was different. After probably a few more calls, an agent walked me through setting up autopay on my account. Firstly, for some weird reason I had to give access to the bank, to access my statements and then I think I had turn off paper statements and only then I was able to setup autopay. No other credit card provider has such contrived illogical process of setting up autopay. It appears that it is a deliberate attempt from BofA to trouble its customers and inflict damaging credit reporting. My credit card number is XXXX XXXX XXXX XXXX. 

Even today after autopay had been setup by the agent on the phone, the bank continues to pull money even if there is no balance on my account.

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 2022-04-20
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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 requesting that it will be removed from my credit report as soon as possible.

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 2021-08-17
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2021-08-16
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/XXXX, I sent a complaint with number XXXX, against Bank of America. Call number ( XXXX ) XXXX, on XX/XX/XXXX, XXXX attended me. She says that my case is closed because the bank promised to cfpb that they would send me the information. XXXX gave me the phone number ( XXXX ) XXXX extension # XXXX, from Bank of America. In this number nobody answers. I have called consumer assistance from Bank of America, XXXX answered, I gave him the number ( XXXX ) XXXX and the extension, he said he called but they did not answer. I asked XXXX to send them an email to send me the answer, but XXXX says he can't send anything because he doesn't know who it belongs to. On XX/XX/, I went to a branch of Bank of America, the person who attended to me said that he can not access my account because it is closed. He just gave me a sheet that printed where he says my account is closed and in XXXX. I keep insisting because I want to pay and fix my problem, although I am still bankrupt in Chapter XXXX. Bank of America has not filed with the courts. Bank of America stopped me payments in XX/XX/XXXX, for bankruptcy. I have insisted in many ways to explain why my account is closed. I believe that Bank of America is hiding reality 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 2023-05-03
Company: WELLS FARGO & COMPANY
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
I called Wells Fargo, of which I have been a customer for 17 years, to ask about two charges. Not " dispute '' but ask for any pertinent info I could use to either call the originator of the charge or, lacking a contact phone number -- which, by the way, all retail/commercial outlets should provide regarding the routing charges on the c.c.billing statement, i.m.o. -- would file a dispute. The C.S. rep cleared up the first charge 's origination but not the second one ; she suggested that I XXXX the dubious name of place that issued a charge on my card... to try to get a number to call myself. 

W. F., apparently, has no gray areas but prefers to process these types of inquiries as all " fraud ''. Last time this happened, after I gave permission for them to do an inquiry -- although I objected about categorizing it as " Fraud Detection '' -- about a charge on my account. I received, two letters, mailed five days apart, however not in a timely manner, to let me know that they were closing my account and issuing a new credit card, ( if my memory serves. ) I don't even remember if I was issued a refund for the dispute ; I should go retrieve my records but I have a desk full of other pressing and worthy paperwork, at the moment. My apology! 

Today, the customer service person automatically cancelled my card without my permission, while I was on the line. When she announced this and I objected, she said she couldn't reverse her actions but put me on hold for her ~superior, of which I never got connected. ( A subsequent call resulted in the new credit card ordered by the first C.S. person, ( with seven-day delivery, by the XXXX, ) being cancelled... in order for ANOTHER new card to be issued and delivered, XXXX  XXXX! 

I pointed out the disparities and waste in this process, particularly with the lack of nuances, in that not every C.S. inquiry should be interacted and processed, only, for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnnel up for a new type of quota system. It seems like such a waste of time and resources, me having to change, eg., auto charges for service contracts on my c.c. account, nonetheless. 

Thank you for any help you can give for 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 explanation
Consumer complaint received 2021-08-16
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon paying the debt owed to XXXX/Convergent outsourcing, I was told that the debt would be removed during a phone call on XX/XX/2021. I was also told that I would receive an email verification of this. The email was never sent. I called XXXX/convergent outsourcing on XX/XX/2021 and was told that I would receive an email verifying that the debt was paid. The only thing that was updated by XXXX/convergent outsourcing was that the debt was paid in full. Although it was paid in full, it still shows up as a collection on my credit report which is affecting my credit score negatively.

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 2017-03-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We stopped to pay our mortgage since XXXX. I could n't work for a year because my XXXX babies came, so I quit to take care them. Months later my husband lost his job and we struggled with everything. By XXXX Penny Mac offered us and program for 9 moths that we can pay XXXX dollars per moths, but finally by XXXX I called them and I told that we were ready to pay our full monthly payment ( XXXX ). Then, they told us we need to start a Modification program and need to qualified, because I requested that wherever we owned we will lie to be transferred to the end of our balance. However, by XXXX this process starts and we could n't make payments because " we were on the process to modification '' even if we talked them we can pay our full monthly payment like we used to do before we got in this situation. My the middle of XXXX we recieved a lawyer letter saying we will be sue for whwerere we own, few days after we got papers for the same lawyer from Pend Mac that we need to go to court. We have been trying to get in contact with them so someone can explain us why we need to go to court if first, we are waiting for the modification, we want to pay just we do n't have the balance money ( XXXX ). we want to start to pay our regular payment. 
Plus they said we need to pay for their lawyers expenses. we do n't get a call for them and we want to reach them we just hear " wait '' we are working on your modification. I hope it get clearly soon__ thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX size XXXX using my Discover credit card. The seller described the shoes as authentic and charged the high price authentic shoes. When I received the shoes in the mail, it was very evident the shoes were illegal XXXX counterfeit fakes. The seller refused to allow a return or refund and completely defrauded and ripped me off. I filed a chargeback dispute with Discover shortly after being denied a return from the seller on XX/XX/2019. On XX/XX/19 Discover denied my dispute in favor of the fraudulent, criminal seller. I presented evidence from an authorized XXXX retailer that detailed the shoes were counterfeit but Discover still decided to recharge me and deny my claim. The seller presented falsified evidence to Discover and their fraud team failed to recognize this. 

On XX/XX/19 I received the dispute package with all the merchant 's evidence. The seller submitted a fake store receipt for the purchase of the shoes he sold to me. The receipt was dated XX/XX/19. I bought the shoes from the seller on XX/XX/19. How can a seller sell an item on XX/XX/19 but show a receipt as evidence that the purchase he originally made was on XX/XX/19?! This idiotic criminal seller wasn't even bright enough to create a fake receipt that is dated correctly and you all at Discover still fell for it and penalized me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Around XXXX XX/XX/2021, I called XXXX XXXX XXXX  to change my phone number, because i got a new phone. A customer service person, instead of changing my number to my new number, this person gave me a different number in which I didn't want. I kept repeating myself to him that all I wanted to do was to change my contact number. We got disconnected, so I called them back and talked to another customer service agent, I explained to her what happened. So she helped me out and cancelled that number and put it my new number, so that way I can use my XXXX XXXX XXXX app to pay my cable bill. when I looked at my XXXX XXXX XXXX XXXX I discovered that someone had used my account to order a XXXX XXXX phone and that new number that the other agent gave me in which I didn't want was still there. I called XXXX & XXXX back and they once again removed that number and sent me to the fraud department. I canceled both cell phone and cable with XXXX XXXX XXXX, but I paid off my cable bill. I have never missed a payment and I refuse to pay for the wireless service for a number that I never had. Can you please help me in this situation. Its unfair for me when out of almost 20 years in the military and being in debt because of my XXXX, I had finally build my credit into the XXXX. Because of XXXX XXXX XXXX now my credit went down a lot. Please help me. Thank you. XXXX & XXXX Incident number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-11
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 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 2023-12-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results. 

Also i reached out to the creditor and they made me aware that they have inform the credit reporting agencies with instructions to adjust their records for my credit history, to remove the negative credit information reported on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Southwest Credit Systems, L.P.
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: Old information reappears or never goes away

Complaint:
The company reported the account as opened in XXXX on XXXX when the account was opened in XXXX. The account is 8 years old and should be removed from my report, and I tried to resolve the matter with them. I offered to pay in full to remove the inaccurate information and negative reporting they refused. The company is called southwest credit systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not start any dispute in my transunion online profile. I can not place a credit freeze in my transunion online profile. I can not place a fraud alert on my transunion online profile. I can not view my credit report in my transunion online profile. I have called in to transunion many times starting XX/XX/XXXX, and XX/XX/XXXX, and other dates. I have asked them to allow me access to my online services. Each time they say they will escalate my inquiry, but to this date there is no results. I can not do anything in my online transunion profile. Please see attached the " error '' messages that I receive when I try to do any of the above.

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 2023-01-02
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX XXXX : {$3400.00}

Company response to consumer: Closed with explanation