BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX, the story begins on XX/XX/XXXX of this year, I have been a Bank Of America client for 3 years now, I have never had any problem so far. 

I made the deposit of a check ( it was in my name ) on XX/XX/XXXX. When verifying the application the next day it told me that the funds would be withheld until Wednesday XX/XX/XXXX, perfect, I waited for the date and the funds were still withheld, I called the bank and they told me that the funds would be withheld for 7 business days, perfect I waited for those days when I called again I received the same monotonous response, that I should call in 21 business days, again I waited those days and called again, where I received the same automatic response from the closed accounts department, that I should call in 7 days more, to which I ask to speak to the Manager and he tells me that they can not give me details of why I am not receiving my money, they ask me to call again in 10 days. When I call back they tell me that I should contact fraud and risks, I contact them and they tell me that I should call the account closing department, they stopped the problem and no one at any time told me when I would have my money back. Today 75 days have passed and absolutely NOBODY contacted me to tell me when they will send me my money.

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 2022-08-11
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: Information belongs to someone else

Complaint:
Congress has made it clear that Experian has assumed a vital role in consumer reporting, and I have never given this company permission to do this. Experian does not have my permission nor does Experian have my consent. Experian has not exercised their GRAVE responsibility and have been unfair and partial and have not respected my right to privacy. I have already made a CFPB complaint and attorney general complaint. I have never constructed Experian to furnish a report or create a report and have never consented to any report. Experian does not have the required documented file of my consent given to them or to any other company to report any information on me to Experian.

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 2021-03-16
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LOANCARE/ XXXX XXXX is reporting an incorrect mortgage balance to XXXX  XXXX 

Our mortgage was transferred to Loan Care for servicing on XX/XX/2021. On XX/XX/2021 LOANCARE/XXXX XXXX  first began reporting our loan information to XXXX Credit bureau. 

Our loan balance should be reported as {$180000.00}. 

However, LOANCARE/XXXX XXXX XXXX  has reported the balance as {$180000.00} We would like the mortgage balance reported accurately to all credit reporting agencies that LOANCARE/XXXX XXXX use.

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 2021-03-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I opened a business account at BB & T. In the process of opening the business account, I get an alert on my XXXX  credit monitoring that my credit was pulled. I asked the banking associate why my credit was pulled. She told me the credit was pulled soft to open the account. I told her, it was not a soft pull that i relieved a hard inquiry pull on my report. Two days later I get a second credit pull on my report. The banker says she doesn't see why it was pulled. When she did her internal investigation, she said, they did pull my credit and they were not willing to remove it. This is a terrible banking practice. Is this the same as what XXXX XXXX was doing years ago? Please investigate this immediately. The credit pulls were on XX/XX/XXXX and XX/XX/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 2019-09-24
Company: Cawley & Bergmann, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019, the collection company Cawley & Bergmann engaged in deceptive practices when the company called me with a spoofed caller ID under the name " XXXX XXXX. '' I answered the call as I am local to XXXX XXXX 's headquarters and had reason to believe that the call could have been an opportunity for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: LA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2021-12-22
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: Account information incorrect

Complaint:
XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to my mortgage company approximately XXXX months before my XXXX year anniversary of our homes mortgage which was XXXX of XXXX. I was told I could send an email to remove my mortgage insurance if we qualified once I hit the XXXX year mark with our mortgage as long as our loan to value was at least XXXX percent. I may need an appraisal which was out of pocket but I would receive a notice if this was the case. XXXX months go by and I call my mortgage company and I am told they are reviewing my email. It takes XXXX closer to XXXX months for someone to send me a template saying this is what you need to send us via email. It is XX/XX/XXXX when we receive this template which I promptly email back to them on XX/XX/XXXX to which I receive a generic email saying the process could take XXXX days. On XX/XX/XXXX I send an email voicing my concerns on how long this is all taking and that I would be filing a complaint. The last week of XXXX I call because I do not receive an email response and I am told I need to pay to have an evaluation done on my home. I provide my savings account number to the representative ( they still used the wrong bank account ) on XX/XX/XXXX I am contacted by XXXX XXXX from XXXX XXXX XXXX and Monday XX/XX/XXXX she comes by for an evaluation. I get a phone call a few days later from XXXX ( XXXX I believe was her name ) asking if I have sent my mortgage payment. I let them know I pay biweekly and the payment should be there by the following Monday. She let me know my home qualified to remove the insurance but she needed to wait until the payment posted to my account. XXXX payment still included the Insurance, I just saw XXXX statement and it still includes the mortgage insurance. This company dragging its feet has cost us a little over {$1000.00}. Not sure what is going on here but its definitely deceptive at best and negligent at minimum

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Number : XXXX Servicer Name : Select Portfolio Servicing Inc. 

On XX/XX/21 I, XXXX XXXX received a letter from Select Portfolio Servicing Inc. ( SPS ). In that letter SPS mentioned that its removing me from forbearance status due to a payment it received from State of Illinois Emergency Mortgage Assistance ( EMA ) behalf me. I called SPS many times snd mentioned that I am still unemployed and put me back in forbearance status but its is refusing to do so. 

SPS saying that I dont qualify for anymore forbearance and only option I have is to sell the property. I told the bank I dont want to sell my property and I just need forbearance for little bit longer. I also mentioned to SPS that under CARES Act I qualify for 12 months of relief but it is saying I dont qualify for that program. I am kindly requesting CFPB to reach out to SPS and find out why I dont qualify for full 12 months of forbearance. Thank you and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX I sent EXPERIAN a certified letter explaing that the company has broken the law and is in direct violation of 15USC 1681b ( a ) ( 2 ) which states " a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer ''. I XXXX XXXX, the consumer, never gave EXPERIAN consent. No consent from the consumer is considered IDENTITY THEFT. As a financial institution under the GLBA, EXPERIAN is not allowed to disclose non public personal informationto a non affilliated 3rd party. Experian continues to ignor all written correspondence, affidavits of truth, and identity theft reports from FTC and continues to knowingly and willingly attempt to decieve me as the consumer and never investigate any disputes or remove inaccuracies.Experian has simply parroted and recyled all information since initial contact XX/XX/2021. At this time I am due remedy of {$2000.00} for the violations as a federally protected consumer under 15 USC 1681 and 15 USC 1692.

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 2023-03-07
Company: EQUIFAX, INC.
State: TX
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:
I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A., States I have the right to privacy.

15 U.S.C 1681 section 604 A., Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MI
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:
The Equifax Data Breach has severely put my identity at MAJOR risk for potential misuse. I have spent XXXX days now checking my credit for inaccuracies. Discovering data selling as an industry. Along with other American atrocities, this has taken a lot of time out of my life and added stress and pressure to my life. Affecting me deeply with the various things i have discovered and the sheer horror and terror I have been overcome with knowing how truly vulnerable my personal information is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a letter to Equifax via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
1. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 2. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. XXXX 3. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 4. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX 5. Creditor : XXXX XXXX  for XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX 7. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX XXXX XXXX'. I have also attached images of the USPS Certified Mail receipt.

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries.

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry.

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was a victim of XXXX XXXXXXXX that led me to the hospital for weeks for corrective XXXX and healing. I spoke with capital one about the defendant being the person who stole my phone, had access to the card and the account and processed payments and transactions. Capital one has reported that my balance is over every month and Ive not agreed to my obligations of the credit card but it was found 0 % liability for fraud. The account is closed and reported negative information for 3 months to credit bureaus and that was not the correct balance because of the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: Capital Accounts, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My consumer finance complaint ID is XXXX. 
Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Dear XXXX XXXX, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. When we received your complaint, we immediately paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last several months, I have sent in complaints because Transunion is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.

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 2023-01-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed dispute for 7 charges made using my debit card, which I was not in possession of. I called PNC bank immediately after noticing the unusual transactions, at which point I realized Id lost my debit card. They canceled the card and got me a new one. However, after only 2 weeks of investigation, my claim was denied. 

XXXX  of the charges also had the XXXX XXXX which when you XXXX, immediately comes up as fraud. 

Im trying to resolve this issue with PNC, however I am being given the run around and am not receiving any feedback.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America refuses to send me my monthly statements from my Visa prepaid AZ XXXX XXXX ending in XXXX and XXXX from XX/XX/XXXX thru XX/XX/XXXX. 
Bank of America sends me fabricated excel spread sheets that are loaded with mistakes, no balance, no Bank of America on front page with AZ XXXX XXXX prepaid card. 
Bank fraud.

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 2022-08-16
Company: EQUIFAX, 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:
To : Consumer Financial Protection Bureau, Equifax is continuously incompliances of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
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:
THE ATTACHED INQUIRY FROM XXXX HAS BEEN SUBMITTED TO EXPERIAN, TWICE, BY XXXX AND MYSELF TO BE REMOVED. IT'S STILL ON MY REPORT. 
EXPERIAN DID NOTHING TO HELP ME REMOVE, SAID IT WAS MY PROBLEM. I PAY THEM {$24.00} A MONTH TO USE THEIR CREDIT SERVICES AND GET HELP WITH PROBLEMS LIKE THIS. THEY LET ANYONE POST ANYTHING TO CREDIT REPORTS BUT HAVING IT TAKEN OFF IS A MAJOR, TIME CONSUMING ISSUE EVEN WITH LETTERS LIKE THAT ATTACHED, PROVING IT SHOULD 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 non-monetary relief