BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: BANK OF THE WEST
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have completed 209 of 210 payments on RV loan and now being charged over 5000 in additional interest and late fees. I have requested documentation or amortization schedule as to how these fees were incurred but received no response. Recent payments were not applied to principal balance at all.

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 2018-11-08
Company: TRANSUNION INTERMEDIATE 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:
I checked my credit report XX/XX/XXXX and I found 5 inquires that was unauthorized .I file dispute three time about then and I have not heard back from bureau about inquires. 


1.XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4.XXXX  XXXX XX/XX/XXXX 5XXXX 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 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A refund from an overpayment on my credit card was approved XX/XX/2023.1 spoke to customer service on XX/XX/XXXX the minute I saw the double debit from my checking account. I still had not received it by XX/XX/2023. I've called 5 different days since XX/XX/XXXX when this started, spoken to 9 different people in 5 different departments, been hung up on once, have been told wow, that's a long time, just wait another day twice, that the money moves slowly because it isn't going to a Bank of America checking account. Are there different wires? Because it comes OUT of my account within 24 hours! It's XXXX, and an ACH transfer. They told me on XX/XX/2023, that I'd have my money back in my account within 24-48hrs, then again XX/XX/XXXX, again on XX/XX/2023 another 7-10 days because they sent my refund back to the wrong account. I spent an hour and a half on the phone with XXXX XXXX  ( where I have my checking account ) and they went above and beyond to help me, no record of any money being returned to me. 
Regulation Z requires that Bank of America : " Credit the amount to the consumer 's account. 
Refund any part of the remaining credit balance within seven business days from receiving a written request from the consumer. '' Bank of America doesn't allow written requests anywhere on their website, you only list phone numbers of departments and a vague address of headquarters. I finally was able to get someone via XXXX XXXX to create a secure chat, in which I gave them my routing and account numbers, XX/XX/2023, a whole month after the credit was marked as posted, but I still have not received it. The routing number was completely wrong, which I finally made them check and tell me what the routing number was on XX/XX/23, it started with a XXXX  and I knew right away Bank of America had messed up. Bank of America is holding onto almost {$1400.00} that I want back with my missed interest accrual. I have spent hours upon hours trying to get my money back when the original representative at Bank of America on XX/XX/23 put in the wrong routing number, no one at Bank of America could figure that out until I asked them to look? And I still don't have my money back, 3 months later. I have been more than patient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the XXXX  Security breach, I decided to freeze my credit, which was free from XXXX and XXXX but TransUnion charged me {$10.00}. I am now looking to temporarily lift my credit freeze to apply for a new card and I am being charged again for a temporary lift from TransUnion for {$10.00}. I understand {$10.00} each time is not a lot of money but I find it to be morally unethical for a company I did not choose to use making money off my information being stolen. I would love to not have a security freeze on my account but given I received confirmation that my information was stolen during XXXX XXXX security breach, I would rather be safe than sorry. Not only do I find XXXX XXXX business practices appalling considering I can not change my social security number and will need to have a security freeze for the rest of my life, I find it even more appalling that it is not illegal for these companies to make money off me. I'm not a victim of identity theft but I kind of am. Why am I paying for this when I did nothing wrong?

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 2022-07-14
Company: EQUIFAX, 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2021-10-07
Company: Experian Information Solutions 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:
i have attempted to dispute an error on my credit report with experian and they are unwilling to help, they claimed they investigated my dispute the same day i disputed, the error is that chase is reporting my account late 6 times which is a complete lie and the other error is that this is a corporate credit card which never should have been allowed to be reported to my credit report. Our company has had this card for 4 years and never once has it been reported to my personal credit until this month. 


Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Corporate

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 2018-07-23
Company: PREFERRED CREDIT INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I placed a complaint to inform cpfb that PCI, was reporting inaccurate information on my credit report case # XXXX concerning account # XXXX, and the response from cfpb was it was validated, i received a item with allegedly owe them.there information does not meet the Federal Trade Commissions guidelines of what constitutes proper Debt Validation.they are still reporting this collection on  my credit report. PCI is in Voilation of the FCPDA .These collections on my credit is causing me a great deal of damages to my credit report and life.The FDRA does not allow the inaccurate Reporting of information, and they are getting away with it.Im am send you the copies of the notarized letter and their response sent via USPS certified mail.i sent them was received by them XX/XX/2018 at XXXX XXXX certified Mail # XXXX, its been more the 30 day to prve this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX Account 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 reasonably 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 2018-02-08
Company: EQUIFAX, 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:
Have written into all the major credit bureaus over 20 times in last 2 years ; have placed numerous of phone calls being on phone for over 2 hours and issue still unresolved advised them all that I am an victim of identity theft did what the asked filed police report, affvadaits etc some of the accounts have been removed but not the collection account that were attached to the crime. would like all 3 major bureaus to remove XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX from my credit reporting file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX my debit card from 5/3rd bank was compromised resulting in over {$2000.00} in fraudulent charges. 
2 from att totaling {$1500.00} XXXX from XXXX XXXX totaling {$600.00} I initiated the dispute process on XXXX, per 5/3rd protocol that suspect charges post to the account. 
5/3rd bank will issue a credit for suspect charges, usually within the week. 

XXXX XXXX XXXX has also been notified and are involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CHAPTER XXXX BANKRUPTCY ( USBK COURT NEVADA ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file. This account does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2015-04-07
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My company, Nationstar, refuses to process my mortgage check in a timely manner and has only sent my XXXX billing statement, although I have been with this company for 4 months. It took XXXX days from the day that I mailed my check until the day that the company acknowledged that it received my payment. In the XXXX years that I have had a mortgage I have never, ever had a late payment. I had to cancel the check and pay over the phone. The company still has this check, and apparently can re-deposit it after XXXX year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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 2023-03-24
Company: EQUIFAX, INC.
State: KY
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 have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is ion fact ; inaccurate. 

Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Haha, Corrections from my response Looking at the XXXX XXXX  you gave me from XXXX & XXXX that you said I had a " gift deposit '' on the XXXX XXXX in the amount of {$2700.00}. So if you add {$590.00} ( what you said I had to pay to close ) the total amount is {$3300.00}. If you take the {$3300.00} that you said " paid outside of closing deposits on the XXXX XXXX XXXX the {$3300.00} that's only a {$34.00} difference which is pretty close! You can't change my bank statements. 

Now with that and the fact that there are little differences such as the Owners Title insurance on the Disbursement sheet from the title company stating it was only {$100.00} but on the XXXX it's listed as {$1500.00} XXXX bet I can come up with exactly how much " seller credits '' I actually got. Thanks for pointing out that I have XXXX interest rate lock agreements and your XXXX  XXXX of ANTI-COERCION STATEMENT is XXXX. YOu can see where XXXX XXXX said he would get me " insurance quotes '' my actual insurance agent fighting with XXXX Mortgage about the XXXX Valuation and the fact that your XXXX insurance wouldn't even cover the costs of XXXX but you made me get it in fact Independence Title Which XXXX Owns was already sending me receipted sales contracts and I had no XXXX choice. 

You guys are auctioning off XXXX XXXX house Monday and I know for a fact that you did the same XXXX to them and probably a lot of people. I have her XXXX XXXX  that have the repeated pattern of offense XXXX from XXXX and then again from XXXX XXXX on the closing XXXX with a larger XXXX amount. Way to go you guys! 

If anyone reads these do not buy a house ever from any XXXX XXXX they are the worst and they literally punish you for complaining and they have absolutely no intentions of correcting any mistake! They have an extremely well-planned of attack too that was well thought of with a lot of practice because clearly everything they did to my family they were just way too good at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: NJ
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 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt of roughly {$680.00} should not have gone to collections, but was created and sent over to a different company originally several months ago due to a mistake made by XXXX XXXX XXXX. This debt is supposedly for a past due balance and non-returned equipment. At the time i was told that if all equipment was returned, the amount due for the equipment AND the past due balance would be closed out, this however was not done. I have told Diversified consultants of this and informed them i have proof that all equipment was returned yet they still contact me daily about this debt. Even after speaking to a " floor manager '' and setting up a plan to pay off my debt, they are still calling me multiple times. As well, I have never received ANY mail regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
CFPB responded to me that XXXX XXXX account ( Deleted ) that still listed on my credit report with inaccurate reporting My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - Open account inaccurate data - XXXX XXXX  # XXXX Show account balance on a closed write off account 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 2023-07-10
Company: EQUIFAX, INC.
State: SC
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 is XXXX XXXX XXXX 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 2018-04-11
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX This debt is 5 years old and just recently I was contacted about it. I offered to pay it off if the company would agree to removing the records from the credit bureaus. 
The company said that they would mark the account paid but would not remove the negative information from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on 3 Bureaus ' responses about the written requests I sent regarding DESIGNED RECEIVABLE. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 1. DESIGNED RECEIVABLE SO XXXX  Balance {$300.00} ; 2. DESIGNED RECEIVABLE SO XXXX  Balance {$420.00} ; 3. DESIGNED RECEIVABLE SO XXXX  Balance {$1600.00} ; 4. DESGN REC XXXX  Balance {$130.00} ; 5. DESGN REC XXXX Balance {$74.00} ; 6. DESGN REC XXXX  Balance {$160.00} ;

Company response to consumer: Closed with explanation