BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Capital Accounts, LLC
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:
This case was solved in XXXX, the problem i have is that they are still keep checking my report putting hard inquires on it, this is now XXXX, removed this company from y report thats almost 3 years, and they keep checking my report about 10 to 15 times all hard inquires doesn't make since I don't want this closed until its removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Paypal Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is in violation of ( 15 U.S.C 1681 ( b ) ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2021 ) without my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Barclays card pmt was due XX/XX/18, but the bill closes on XX/XX/18. 
I paid on XX/XX/18, and was charged late fee and interest. 
I believe it is wrong to make due date earlier that bill close date. 
It is a money making scheme.

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 2020-12-01
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Currently enrolled in PSLF through FedLoan. I am getting close to my 120 payments, but several of the previously certified payments ( they were certified prior to it being sold to FedLoan ) have been " pending manual review '' for months. I had discussed this issue with them over the summer and they said they would expedite ( no more than 30 days ), 3 months later I emailed and they said it was still pending. This is very problematic as I need to know how close I am to paying these off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: NAM National Arbitration and Mediation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company identifying itself as XXXX XXXX began calling my family and me on XX/XX/XXXX for a supposed debt to XXXX XXXX for improperly closing an account in XXXX. I confirmed with XXXX XXXX ( through my accountant ) on XX/XX/XXXX and XX/XX/XXXX that there was no such debt -- past or present. XXXX XXXX not only used foul language and threatening tactics, but hung up on me several times and allegedly blocked my number. As they also threatened me with legal action and a subpoena, I called XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX to request documentation of the debt, etc. My calls were not answered, nor were my messages returned.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-19
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
bad Credit report is preventing me from buying a home. 
Caliber is showing a missing XX/XX/2018 payment. I paid it on XX/XX/2018. 
Caliber reported it as a second payment on XXXX. 
The XXXX payment was made on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and XXXX CRA continue to incorrectly report as Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions 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:
I've disputed information twice to have an item removed, The second time I SPECIFICALLY asked that the original creditor listed on the debt be verified by the company XXXX XXXX XXXX reporting the information as I have never had a contract or knowledge with any company named XXXX XXXX XXXX. The results returned " Remains '' with NO updates to the specific area I asked to be investigated. I had already lodged complaint against XXXX, XXXX   and XXXX with CFPB but was awaiting results from Experian to include them. This issue has also been reported to XXXX who has also acknowledged 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America ( BOA ) is not depositing a check from XXXX, my home insurance company. 

XX/XX/XXXX - Deposited check via mobile deposit. 
XX/XX/XXXX - Check deposited into the account XX/XX/XXXX - Deposit reversed. Called BOA representative. Said, " The payee endorsement was not done properly. '' Asked for clarification since the check clearly had a signature. BOA representative said they had no additional information and recommended the check be deposited in person. 
XX/XX/XXXX - Deposited check via Bank of American Teller. Teller said the check Might be in our account on XX/XX/XXXX ( AKA 7 Business Days ). The reason given was that since the check had already been rejected via the mobile app, there could be a long hold. Also advised to keep an eye on my email because any updates would be sent via email. 

NOTE : I can not provide a copy of the check because BOA took it on 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 2022-10-27
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I few months back I contacted Equifax in regards to fraudulent accounts one being XXXX XXXX. I sent in the necessary documents affidavit, police report. They removed the account now the account has appeared back on my report under XXXX XXXXXXXX and Equifax allowed that. Dropping my score tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2023-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 Bank of America Account 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 an account without my written instructions.

15 U.S.C. 166B A Creditor May not treat a payment on a credit card under an open end consumer credit plan as late for any reason.

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 2018-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Participated in " Up to {$500.00} for your business limited-time only '' promotion. Completed the requirements : " open a Bank of America business checking account and make qualifying deposits of at least {$5000.00} within 60 days of account opening '', also " Open a Business Advantage credit card and spend at least {$500.00} on the card within 60 days of opening a new business checking account ''. However, the bonus was not credited to 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 monetary relief
Consumer complaint received 2020-11-29
Company: Goal Structured Solutions, LLC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-06-13
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XX/XX/22 four XXXX were taken out of account. XXXX, XXXX, XXXX. Bank claims I approved transaction. I did not approve. Bank said I had a right to see emails they used to take the money. They refuse to send these emails. Have gone to closest branch, talked to fraud dept, always say will send within 10 days. Nothing. Have gone to bank at least 4 times. They will not give our money back and will not send the emails, which I never got or would have approved. 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
Consumer complaint received 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 bought concert tickets by credit card on XXXX XXXX XXXX and they refuse to refund right after I paid. The XXXX claimed that when purchasing, I have accepted the terms that the tickets are non-refundable. However, I never signed a document to agree that. I went through the buying process again and there's nowhere that I need to check to agree the terms. 

XXXX has bad record on CFPB website. Obviously, they still did not follow below two requirement. 
XXXX XXXX XXXX  - The defendants must affirmatively disclose that : their websites are resale marketplaces and not venues or box offices ; the ticket price may exceed the tickets face value ; and the website is not owned by the venue, sports team, performer, or promoter ; - XXXX must require all partners to sign written contracts promising to adhere to the order, and must take disciplinary action when partners violate the order and appropriately handle consumer complaints about venue confusion ; and Therefore, I dispute this transaction from Bank of America XXXX However, BOA said they could not pursue my dispute further because : - We're unable to obtain credit ( s ) for a service, or delivery of merchandise, that's scheduled to occur at a future date. Please contact us if the merchant fails to perform the service ( s ), or deliver the merchandise, after the scheduled timeframe ( s ) has elapsed. If available, please provide documentation from the merchant to support that they have no intention of rendering the service or delivering the merchandise in the future. 
- We understand you weren't satisfied with the quality of the service the merchant provided ; however, the merchant has the right to request payment for any services that were rendered. 

Since the event is not coming yet, I believe I had the right to return the ticket at the time I bought the ticket ( which hadn't been sold and the transaction hadn't completed ).

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

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 2023-03-22
Company: Experian Information Solutions 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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be updated or repaired ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, a settlement was made and collected on behalf of XXXX in agreement & order to update my account as Paid/Closed/Never Late for all 3 Credit Bureaus on good will and never missing a payment. Payment has been made and account is still reporting as a charge off/derogatory remark. Payment that was previously made to XXXX was automated and wasnt made aware of balance. Payment info : # XXXX for a total of {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have had a reverse mortgage with XXXX for well over 11 years, and I have been in full compliance with the provisions. They have been calling my home daily for the past year at XXXXXXXX XXXX EST, despite my request to please stop calling. I had a letter sent to XXXX from my attorney to advise them to please stop calling, as this is harassment. I am XXXX years old, and their calls are abusive, harassing and an infringement of the privilege of being able to call my home. There must be some guidelines for this type of behavior on the part of a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX XXXX XXXX working toward Public Service Loan Forgiveness with FedLoan Servicing.  For my latest employment certification, I was informed that I had 57 payments (of the required 120) credited toward the program.  As noted in my last billing statement, FedLoan Sevicing indicated I had 50 payments according to their records.  I contacted customer service, and the individual said someone would review my account.  A few days later, I received an employment certification form with no explanation of why I had lost 7 payments credited to my account.  This is now the second time in which the number of PSLF payments credited to my account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts : XXXX XXXX XXXX XXXXXXXX .... Balance : {$140000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00}

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