BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A dispute was filed against XXXX XXXX charge from X/XX/2017 2017 for merchandise or service not as paid for. Initially in attempt to save themselves work BOA dissuaded me from filing the claim but I changed my mind and asked XXXX in Arkansas to file the claim. He did not. His negligence let to a dominoe scenarios where my bank account was over drawn and charges were files all of which are the responsibility of XXXX not following through with filing the dispute. All the over drafts and subsequent fees lead back to XXXX decision to not do his job. Seeing as the XXXX and I have XXXX XXXX documented as misleading me this is clearly ended up in court with a special case against XXXX XXXX specifically and and extensive civil case against BOA I will just keep memorializing the assort torts that BOA and XXXX XXXX continue to inflict on me. They certainly are added up. I ask as that the instant credit from the XX/XX/XXXX dispute be deposited immediately and that all resulting fees be recinded. Good day.

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 2017-11-02
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX XXXX 2017 I enrolled in online courses with XXXX University 's online division. My financial aid was denied and I was told my classes would be dropped to avoid a charge. One of the classes was never dropped like it should have been and now I am being charged for said class

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
I am currently disputing a medical debt with a collection agency and hospital. I submitted a request to EquifaxXXXX on XX/XX/2022 to mark the debt as disputed on my credit report, but all three have not done so, and I have received no acknowledgement of my dispute or any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I took out a short term payday loan with Speedy Cash. I authorized them to take one payment out of my account of XXXX on XX/XX/XXXX. Instead speedy cash sent an ACH withdrawal to my account that cleared and also charged my debit card. They took the additional XXXX that was not authorized causing multiple overdraft fees with my bank totaling XXXX. Also transaction checks were bounced because of speedy cash taking two payments out of my account that was not authorized. The payments I made to other merchants were charged NSF charges totaling XXXX in addition to late fees posting to my other accounts because of this error

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I 've been trying to get a line on credit started to get my score up and soon buy a home. I do work ful time and gave a part time business, just want to build my credit up!

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 2020-10-08
Company: EQUIFAX, INC.
State: OH
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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX XXXX. The EOB confirming this information will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Westlake Services, LLC
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:
I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with Westlake Financial Services. I have paid 2 payments at the same time on several occasions ( 3 times ) and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent in letters to Experian XXXX, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( 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 BANK XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX ) These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.

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 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX  states in her boa regulatory. Letters ofXX/XX/XXXX..attached My sole account of XXXX has had only 2 cards issued to it since XX/XX/XXXX # XXXX temporary in XXXX # XXXX since approx XX/XX/XXXX to present. 
XXXX XXXX from boa regulatory states in his letter of XX/XX/XXXX attached.. that all I had to do was look at my bank statements and the check card # used will be recorded well I have reported this to boa XXXX XXXX XXXX XXXX XXXXXXXX va from XXXX the check card # s are fraudulent. 
In XXXX XXXXXX/XX/XXXX ENTRY ON BOA STATEMENT REPLACEMENT FEE {$5.00} FOR ATM OR DEBIT CARD IN FLORIDAXX/XX/XXXXNC TELLER CASHWITHDRAWAL {$200.00} ENTRY NO IDENTIFYING BANK INFO IN NORTH CAROLIN A ON SAME DAY 2 STATES IN 2 DAY!! 
XX/XX/XXXX ANOTHER ATM CARD # XXXX IN BOA ATM SAME DAY XX/XX/XXXXXXXX XXXX XXXX ENTRY CHECKCARD # XXXX on my statement XXXX XXXX says it was a boa Visa XXXX # Same day XX/XX/XXXXIn state of north Carolina Check card # XXXX stated on my statement 2. Entries of XX/XX/XXXX XXXX XXXX CHECKCARD # XXXX XXXX XXXX CHECKCARD # XXXX XX/XX/XXXX XXXX XXXX XXXX says I was there visa XXXX was used On XX/XX/XXXX on my XXXX boa statement was Entered as XXXX charge Check card # XXXX on my boa statement Again I can't be at 2 places at the same time OnXX/XX/XXXX XXXX XXXX XXXX. SAYS I WAS THERE BUT NO CHARGE ON MY BOA HEY SAY A VISA XXXX WAS USED IN MY NAME BOA VISA. 
I am requesting a true and certified statement and supporting documents for each statement that was made to the cfpb about my accounts sent to me yo assist me in recovering both my monies and my identity. 
XXXX XXXX ++ XXXX XXXX XXXX XXXX XXXX nc XXXX Please Fax me your response letters via my paid fax plus XXXX asap

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 2019-08-07
Company: EQUIFAX, INC.
State: NY
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 recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and that was unusual. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this and doing this on my own behalf and I need this taking care of a as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX we filed for chapter XXXX to stop foreclosure and the sale of our home. We received a Notice of Recission stating that the foreclosure and sale of our property had been reversed. We applied for a modification of mortgage through Ocwen XXXX XXXX XXXX and it was approved.Nothing was sent to the the XXXX XXXX County Recorders office to notify them that the property reverted back to us. In short, we do not exist on this property and the Grant Deed remained in possession of the Mortgage holder. The Trust account is being held by XXXX XXXX of behalf of XXXX. I would like this resolved as soon as possible. 
I am being told by Ocwen that they can not help me and that I am to contact XXXX XXXX. I contacted XXXX XXXX and I was told that Ocwen needs to resolve the Grant Deed issue with the County Recorders Office. 
They keep bouncing me back and forth between departments. I have contacted Ocwen Loan Servicing numerous times and asked them to take care of this matter. This all stems from getting approval from XXXX XXXX ( XXXX XXXX XXXX ) for the funding of artificial turf, through our property taxes. The work was done after XXXX XXXX approved the funding in XXXX XXXX. I just now found out that there is an issue with us being the owners. I signed the official documents and sent them back to XXXX XXXX and the installation process was done and 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 2021-05-10
Company: EQUIFAX, INC.
State: IA
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:
My name is XXXX XXXX and Im submitting this complaint on behalf of myself and for myself and will attach my State ID with this complaint for verification purposes. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A company keeps reaching out to me and my entire family from various phone numbers stating i owe them XXXX from bestbuy in XXXX. They keep harrasing me and my family stating they are going to take me to court and i must reply within 24 hrs or they will take action in court. I filled for bankruptcy in XXXX. Anything from besbuy after that would have been identity theft or just a scam. I did tell them to give me their company name and proof of such purchases and nothing. I even called bestbuy legal dept and they dont see anything on file.

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 2020-11-09
Company: CITIBANK, N.A.
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:
XX/XX/2020 Credit opened with Macy 's by someone under my name, home address, SSN. 
Contacted Macy 's Fraudulent department. 

XX/XX/2020 XXXX 's XXXX. Credit opened with XXXX 's for {$2400.00} by someone using my name, home address, and SSN. 
Contacted XXXX 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. 
Contacted XXXX XXXX XXXX Fraudulent department.

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 2017-11-01
Company: Advance Bureau of Collections
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was paying XXXX XXXX XXXX XXXX for a hospital stay for XXXX XXXX due to XXXX XXXX XXXX and XXXX. I was paying 35 to 50.00 approx. per month and was then told I was past due ; that I had to pay in full that I was not paying enough to keep account current. I explained I was on workers comp and out of work and XXXX was the most I could pay. Initially I was told to pay what I could then out of the blue a letter was sent to me that my acct was sent to an outside collection agency for non payment. I explained I was paying regularly and had been in contact with XXXX billing, Why was I now delinquent. I offered to set up a pymt plan and was told I could not because it was too low of a payment. If I was trying to pay is .that not better than not getting any money? I do not understand. Also they tried to reduce it to half and get me to pay a lump sum. If I had that lump sum why would I be trying to make payments. This was just noted on my credit acct recently and I would like to fix my credit. I do not feel this is just as I have tried to work out pymts even while unemployed. I am working now and I have been trying to repair my credit, since my work injury. Certainly there are some options. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX I was hospitalized the week of XXXX in XXXX with XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX also in XXXX, Fl.The last 4 of my SS # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
IC System keeps contacting me. I set up payments with them and there was some glitch on the second payment so they called me and demanded immediate payment, giving me a deadline of 3 months. I disputed the amount of this collection and only set up the payment plan so they would stop harassing me, but it looks like they plan on harassing me either way. When they call, they refuse to leave messages.

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 2022-03-10
Company: North State Acceptance, LLC
State: NC
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:
This account dates back to XXXX. Around 8 years ago. This was not my vehicle, this was my boyfriends vehicle. On top of that, the car is being reported as a repossession. This car was sold to another individual however no one was ever notified of the vehicle being sold or given any information prior or after the car was sold. Further more this was never my debt, I never agreed to be financially responsible for the vehicle. This debt has been reported improperly now for over and over for more than 8 years. The last time this inaccurate debt was reported on my credit reports was just in XX/XX/XXXX. Just a few weeks ago, this is incredibly damaging to my credit and has hurt me over and over when trying to obtain credit. I have pleaded with this creditor over and over asking them to prove that I owe this debt or to rightfully remove it from my credit and they have never once provided any proof however they decline to properly prove the debt or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CITIBANK, N.A.
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:
complaint is the exact same thing as my original complaint # XXXX and complaint # 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 2017-11-01
Company: EQUIFAX, INC.
State: NV
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:
I was recently establish a membership to XXXX XXXX XXXX XXXX XXXX in XXXX Virginia short name XXXX XXXX because of the name XXXX XXXX Sounds Great they got all The Top Brass and I got Little interested to bank with them. the great thing they have to offer to many product like mortgage auto loan Multiple credit card ETC. I open my account because I thought they might offer me a credit card with higher credit Limit so I can supply the Shortage on my XXXX XXXX XXXX  Fees, Books, Gas Money, and Food. all of these expectation were end up on disappointnment when I found Im not qualify for the first time so my application # XXXX on XXXX XXXX, XXXX was TurnDown and never give up and another try application # XXXX on XXXX XXXX, XXXX was turn down also and try the third time application # XXXX on XXXX XXXX, XXXX was turn down again. 
all of these Denial from XXXX XXXX XXXX XXXX are bases on Equifax Report and all the reason are the same result and all end up to nothing and disappointing I wish you guys can help me to Investigate what is wrong to the Equifax Report and Im Hoping to resolve the Issue with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation