BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been dealing with Bank of America, only to be told lie after lie. First off, I had to have a packet notarized and sent back to them, it came without a prepaid envelope. I requested that one be sent to me for weeks.  One  never came so I paid for the return of the packet after I spoke to the account manager. He told me I would be reimbursed. Today he stated he does n't know if the packet ever got there. I stated I paid {$30.00} to return the packet. He now states he never said I would be reimbursed. He will look into it. It was sent 2 day delivery on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX .   I had a loan forbearance in  XXXX . I thought for some reason it was a modification. This was entirely my mistake. I made the forbearance payments in  XXXX  and  XXXX   XXXX .  XXXX   XXXX  when I tried to make a payment I was told I was in foreclosure so I was forbidden from making any payments, unless I paid the entire overdue amount. Today he said I was in foreclosure but asked if I wanted to make a payment?. I asked how that was possible if I was in foreclosure and he said I was n't. I hope they tape these conversations. He said I was taken out of foreclosure due to a new MA state law. He stated I could have been making payments all along. I talk to this man every week  ( me calling him )  and he never once told me that. All this time I could have been making payments but was never allowed because when I tried I was told I was in foreclosure. He also said to make a payment right away because the law could change any minute and I could go right back into foreclosure. I feel I am getting the run around on anything that has to do with Bank of America, from simple documents to being told I 'm in foreclosure to not being in foreclosure. But most of all not being allowed to make mortgage payments!!! When my forbearance was about to expire in   XXXX   XXXX   my account manager should have reached out to me to see what our next step was going to be for the continuation of the mortgage.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-28
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
XXXX : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear XXXX I'm sending you this letter to let you know about some errors in my credit report. I'm afraid these mistakes are doing a lot of damage to my credit report. To help you understand, we've provided the details of the incorrect entries below : Inquiries : XXXX OF XXXX XXXX : An unauthorized inquiry on the credit report. Fix or delete inaccurate inquiry. 

XXXX XXXX  inquiry : Inaccurate inquiry on the credit report. Looking for a deletion correction. 

XXXX XXXX inquiry : Inaccurate Inquire on the credit report. Resolve it or delete this inquiry. 

XXXX OF XXXX XXXX : The report has a credit inquiry that do not authorize. Delete the inaccurate inquiry. 

XXXX XXXX XXXX inquiry : Inaccurate credit inquiry is problematic on the credit report. Delete the issue presented. XXXX XXXX inquiry : Inaccurate unauthorized inquiry on the credit report. I need this deleted ASAP. 

XXXX OF XXXX XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX  XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX OF XXXX XXXX inquiry : Writing to dispute the inquiry as I did not provide permission. Look at this closely and purge it from my report. 

Mission XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX XXXX  XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. Inaccurate credit inquiry on credit report. 
XXXX states I can get an investigation. Im asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 


XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

I have the right to object to and request that false information in my credit report be corrected in accordance with Sections 609 and 611 of the Fair Credit Reporting Act. I humbly ask that you inform me of any delays and provide a reasonable timeline for when I might anticipate a response if a resolution to this situation can not be achieved within the timeframe specified.

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 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
On XX/XX/2023, I notified Equifax that there were several soft inquiries on my Equifax Consumer Credit Report by EQUIFAX XXXX XXXX UP that I do not recognize and I did not authorize. 

Upon review of my Equifax Consumer Credit Report dated XX/XX/2023, these unauthorized soft inquiries by EQUIFAX XXXX XXXX UP are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PENTAGON FCU 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 To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2023-03-09
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

911

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2020-06-05
Company: JPMORGAN CHASE & CO.
State: PA
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:
Back in XXXX I booked some international flights using the rewards points I acquired from my Chase credit card. There was an additional {$180.00} required to buy the flights. Everything was paid for, in full, by me. The airline cancelled the flights due to COVID-19 and around mid-XXXX  I requested a full refund from the airline. As per federal law, on about XXXX XX/XX/24 the airline accepted the request and refunded my credit card. Chase received the funds and refunded me the rewards points portion, but has told me it needs two full billing cycles to refund the cash portion. As far as I can research there is nothing in writing anywhere that they are authorized to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: JPMORGAN CHASE & CO.
State: MD
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:
I have a Chase Freedom Credit Card with last numbers XXXX, I made a charge for XXXX XXXX ticket travel to XXXX   on XX/XX/2020, because the COVID-19 all fly 's to XXXX canceled, that were I was going, I am XXXX years of age, I call Chase several times, upset because they simple don't want to heard my arguments, they ask me if I cancel my trip, My answer his yes, because was cancel by XXXX XXXX  thru XXXX. Al I request is to Chase to reverse the charge but they refuse to do it. Transaction # was XXXX for the amount of XXXX Hope you can help me looking forward to hear from you Thank you so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 had two accounts opened for my XXXX XXXX in Bank of America, on XX/XX/2023 {$6700.00} were drawn towards XXXX XXXX Credit card, which DOES NOT belong to us, we do not have any account with XXXX XXXX. 

Then on XX/XX/2023 an amount of {$6000.00} were charged to XXXX XXXX XXXX XXXX XXXX XXXX, we DO NOT HAVE ANY account with XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Getting charge for overdraft fees when Im not doing overdraft. Also the overdraft fee is extremely high..

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 2023-03-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX I deposited my check in my account after I was told my account wasnt closed XX/XX/XXXX found out account was closed and under investigation and funds wont be released until XX/XX/XXXX. 
XX/XX/225 dollars was available to take out XX/XX/XXXX funds were available to take out was told over the phone I could get my funds.come and Im told my check will be mailed to me and my check hasnt been verified yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-03-16
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
i was added as an authorized user on a credit card that i did not authorize and the credit card has appeared on my credit report but credit card company has no record of my name associated with any accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have for XXXX weeks been trying to get an appointment with the loan relationship XXXX who is stated they received the modification request and POAs and XXXX related to medical issues and they will not provide a time with a relationship XXXX before the foreclosure date. 

Theyve gone up on the mortgage from its original payment price of {$650.00} per month to {$1200.00} per month. Theyve sent assessors out and charged that to the account, on top of the lender insurance. 
We made payments {$550.00} every XXXX weeks with AWD and that still was not enough to pay the mortgage. 

Had to resubmit POA paperwork to talk to them over a month ago ; I get shuffled from XXXX rep to another with different stories despite asking for escalation. Each week I am told theyll have an answer in 5 days on the modification, yet no answer. 

This is a game to them and its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TMX Finance LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I received a title loan through titlemax in XXXX Kansas their location in XXXX to be good and I was approved for {$600.00} but they only let me receive {$400.00} until I make my XXXX payment then I would be able to receive the other {$200.00} unfortunately I never make the 1st payment. So I only ever received {$400.00}. It's been a few years now since the loan and I guess I forgot and I never called to check on it because of then I was at XXXX shopping and they repossessed my car while I was in the store so me and my kids were left with no right home And no idea where the car even went for 3 days to the police department finally locatedit and I tried working a payment out with the corporate office for titlemax and they were beyond rude Multiple people I spoke with. They wanted XXXX That was it I could only come up with XXXX and I asked if there was anything they could do they refused at the same time They spoke to me in the most degrading and disrespectful mannor That I have ever received from any body else especially from any employee or buisness as a whole. They have since continued not to speak with me it's been a total of 3 weeks since my car was repossessed they refuse to talk with me by continuously hanging up on me or being rude and yelling to the point they can't hear anything I try saying. They refuse to give me anything put of my car when they took it nor would they even dispose the tow company name for me to atheist get my belongings out of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are multiple instances with different creditors that I have disputed. 

First, I have a medical debt that I should not have been billed for because I had already met my deductible, and the documentation that I have shows that insurance paid it. I have contacted Texas Department of Insurance ( TDI ), and they have been trying to get a hold of the providers responsible for the billing. Hearing was scheduled for XX/XX/XXXX, and mediator was not able to get in touch so it did not occur. ( Business & Professional C/O XXXX XXXX ) Second, I paid off a debt in XX/XX/XXXX, and yet every month I have to call creditor to fix the bill because it shows I owe interest ; i know that I don't owe interest because I paid it off before the billing cycle. They have been removing it, but my credit report shows that although I have a XXXX balance, my payment is now 60 days late. ( XXXXXXXX XXXX XXXX XXXXXXXX ) Third, I have an old closed credit card debt that I have disputed multiple times to indicate that they were not my charges, and in addition to that, every month the amount increases as they keep selling the debt. I have tried to get in touch with them, but they have no record of debt other than a card for the same bank that I am currently paying. ( XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation