BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-06
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company began contacting me in XX/XX/2018. Around XX/XX/XXXX, I spoke with XXXX XXXX and was informed that they were attempting to collect $ 2500+ on behalf of the Registry at XXXX XXXX in XXXX TN. I immediately informed her that the balance was nearly {$1500.00} over what is owed to them and explained why. She cut me off repeatedly and asked for my email address saying she would have to send my information to her dispute department. In informed her that I had email communication between myself and the apartment complex and asked her where could I send my dispute but she refused to provide contact information. Approximately a week later I called back and informed her that I had not received an email. She then asked for my email address and mailing address but still did not provide dispute instructions. Over a month later I had not received anything. I called her on XX/XX/XXXX and she told me that they sent an email on XX/XX/XXXX that had likely gone to my junk mail, and that is where I found it. The balance was adjusted to {$1600.00}. Once again I asked how to disputed the balance but she refused that information. I asked for a supervisor and was transferred to a voicemail box. I left a message but was never called back. I called today and spoke with someone named XXXX (?? ) and expressed my concerns. She took some information down and said that she would go back to the apartment complex but once again failed to outline a dispute process. They are threatening to report the debt on my credit report and rental history on XX/XX/XXXX if I dont give them money. They have not sent any debt validation and continue to refuse to outline a dispute process. I feel as though my rights are being violated.They are asking me to pay them but saying that they are still going to report the unpaid disputed portion on my credit report. I will pay what I owe but they need to give me a fair and honest way to dispute the portion that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had an account with Chime They asked me to provide proof of several things and I did then stated they decided to close my account and wouldn't give me a refund! How can they justify just keeping someones money? {$8100.00} remains in this account. I have been going back and forth with Chime/XXXX  via email since they closed my account XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I noticed there are discrepancies in the status of the account for a balance from XX/XX/XXXX. The balance of {$6300.00} is showing closed with a {$0.00} balance on my XXXX and XXXX credit report but is showing still open when I pull my Transunion report. This debt is past 7 years old and is showing inconsistent reporting on my credit file. Please help me clear this issue.

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 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had attempted to start building my credit, bank of america helped me open my first line of credit, a secured credit card. I never received notice of payment deadlines coming near until I had late fees noted on my online account and phone calls from collections. At the time I was struggling to pay my bills on time and after 30 days bank of america closed my account and hurt my credit report claiming my history as delinquent, and late on payments. I payed off my secured card as soon as I was noticed of the closed 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 explanation
Consumer complaint received 2018-02-17
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter addressed to just " XXXX '' XXXX from a collection agency, ERC, representing XXXX XXXX/XXXX XXXX XXXX/XXXX. I do not recognize any of this account information listed on the letter. 

The letter stated a debt was owed in the amount of {$700.00}, and stated it would accept a settlement of {$420.00}. 

Prior to receiving this letter, this debt appeared on my credit report and my credit scores dropped by more than 100 points. When I disputed it with XXXX and XXXX, it was removed within 24 hours. More than a month later I received the letter and discovered it was reported to XXXX as well. I disputed it there and it was removed promptly as well. 

This letter was sent via regular US Mail and there is language in the letter stating that if I do not act within 30 days of receipt, I will be liable for the debt. 

I am certain this letter is fraudulent. Will I be liable if I do not act on this? Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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: Account status incorrect

Complaint:
Good evening, To whom it may concern, I paid XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have cleared/paid off a collection account with Cavalry SPV I, LLC ( a debt collection agency ) for a credit card account originally with XXXX. This payment became official on XX/XX/2021. 

I have been told by Cavalry SPV I, LLC that this collection account is eligible to be removed from my credit reports with XXXX, XXXX  and XXXX. I would like that done immediately since the debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy 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 2022-01-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two separate accounts opened with Wells Fargo. 

One in XX/XX/2021 and one in XX/XX/2021. 

One is checking and the other is a retirement 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 non-monetary relief
Consumer complaint received 2018-07-06
Company: Persolve, LLC - Legal - Series 2
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:
This case is against Persolve in XXXX CA. They have had A LOT of law suits, reprimands, ordered to pay restitution, etc. 
I had a XXXX XXXX card and bought a ring for {$1800.00} back in approximately XX/XX/XXXX-XX/XX/XXXX. The ring broke-stone fell out, we returned it but XXXX never closed the account. They then sold it to a debt collector. by XX/XX/XXXX, they had racked up {$5500.00}. XXXX charged off the account in XX/XX/XXXX and it was closed. 

Somehow this unscrupulous company, XXXX XXXX, Persolve LLC got the debt, they took it to court. They said they served me, they DID NOT. I would have gone to court and defended myself. They ended up going and getting a judgement for {$8000.00}! with {$1.00} a day interest!! They started a wage garnishment WITH NO NOTICE to my federal salary. My spouse is full unemployable XXXX veteran. 
This predatory debt collection should not be allowed. This company had done this over and over and over and they continue to stay in business? XXXX them, all the class action suits, judgments against them, failure to provide written notification, adding exorbitant fees and penalties, etc.. SEE attached court order and see the credit report which shows that this was closed in XX/XX/XXXXand charged off and was NO where near this amount owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America has been dragging out my refinance mortgage application, and charged me excess fees. 

I first applied for a refinance with Bank of America during XX/XX/2019. They pulled my credit and started the application. I supplied all documents required by them as soon as I was asked for it. They asked me to trigger a XXXX process with my current mortgage bank - XXXX, which I did and for which I was charged non-refundable fees of {$250.00}. 

Then without explanation, they cancelled my application in early XXXX, and re-started another mortgage application with a different loan number, and I had to resubmit all the documents all over again. 

It has been almost 5 months since then, and we still have not closed, despite no issues with my credit score or documents. They have pulled my credit twice again since then, and have charged me excess fees on appraisal. I still have no information on if and when they will close my loan. 

I had started this refinance process ahead of my ARM mortgage re-setting on XX/XX/XXXX and had planned to have a new mortgage by that time. Unfortunately that is not going to happen and I have to pay a significantly higher mortgage on XX/XX/XXXX. 
I understand that because of Covid-19, there would be delays, but Bank of America has not offered me any information or explanation for the delays.

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 2020-08-27
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
So I was a customer of US Bank XXXX XXXX for 5 years. Never really had any major issues other that my month to monthly payments changes the first couple years cause they didnt get the escrow right. The way I set up my account through them they were 100 % on charge of paying the property taxes. In my city you can pay in full or 2 different installment plans. They decided it was easier for them to do them 2 installments. My issue you is I found a way better interest rate with different Mortgage company and during that process of refinancing the 2nd installment of property taxes were gon na come due the month after I refinanced and my previous company ( US Bank ) did not send that info to my new company, when trying to figure out the problem with the property tax they are putting the blame on me when they are the ones in charge of the taxes. They 100 % new they only did the 1st installment and will not take any responsibility for notifyingthe new company of qhen the 2nd installment was due. Now I have a {$1100.00} tax payment I have to pay cause they were not on top of there game.

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 2021-07-06
Company: Experian Information 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:
this complaint is against experian with copy to their subscriber XXXX XXXX. 
EXPERIAN TRIES TO DISSUADE THE TIMELY PRESENTION OF UPLOADED EVIDENCE IN AN ACTIVE DISPUTE BY NOT ALLOWING UPLOAD TO PUT IN EFFECT MAIL TIMES AND THE ALOTTED TIME FOR EXPERIAN TO RECEIVE. 
XXXX IS AN ACTIVE DISPUTE.THE DEBT IS THE PRODUCT OF FRAUD.AN FTC POLICE REPORT OF ID THEFT HAS ALEADY BEEN DELIVERED TO NON RESPONSIVE EXPERIAN .THE EVIDENCE TO THIS DAY IS THE CRIMINAL COMPLAINT AGAINST THE ORIGINAL CREDITOR OF XXXX XXXX IN REGARDS TO MY '' DEBT ''

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 2017-08-02
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am writing because my wife and I have an auto loan w/ Ally Inc. We received a letter about the class action suit for giving higher rates to minorities. We entered in to the suit. I heard it was settled and we never heard anything about it again. Ally wo n't tell me anything. Well, they will tell me nothing is noted on my account. I would like to know something. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Bank of America depository account holder for over 5 years and have deposited checks before with no issues. On XX/XX/2018 I deposited a cashier 's check in the amount of {$4000.00} at the BOA ATM on XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Florida. The ATM did not automatically recognize the check, so I understood when I got a receipt with a deposit hold. However the hold placed was until XX/XX/2018. The following day I called customer service to let them know it was an official check and to remove the hold and they refused. No matter how much I explained it was a cashier 's check and all they had to so was look at an image of the check they refused and kept insisting their " policy '' was not to remove holds on checks. I called for 3 days in a row, spoke to service reps, supervisors and a branch manager and like robots they all repeated the exact same words : Bank of America policy does not allow them to remove check holds. I went online and pulled up their written hold policy, that stated cashier 's checks when deposited with tellers are available the next business, and other deposit avenues is the 2nd business day. I read that back to them, and they still refused to adhere to their written ( a contract I may add ) deposit policy. Bank of America is a bank strictly about policy and not people. After speaking to about 5 different people, I realized I was speaking to only programmed robots!

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 2022-02-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As of XX/XX/XXXX the account with the creditor XXXX  XXXX XXXX was deleted off of my credit report. On XX/XX/XXXX I received mail from a creditor XXXX stating this is an attempt to collect a debt. Thing is what debt do I owe them? I never signed any agreement with XXXX XXXX I then sent them a Validation of Debt and a Cease and Desist letter certified and requires a confirmation signature which I yet to receive or any documentation that validates that I owe them anything. On XX/XX/XXXX I received a email alert that there's been a change to my Experian credit report. I log in and see my score had decrease and a Collection account has been added to my report. First by law Experian was suppose to inform me that something was about to go on my credit in written form. Never received that. Second XXXX/ XXXX has yet to validate this debt but Experian allow them to place a CollectioXXXX account on my credit reporting report. Experian failed to follow the law as a Consumer I have rights 15 U.S.C 1681i ( b ) ( i ). Because they failed to do this I request that this account be deleted back off my credit report and update my file. This has caused me a great amount stress because I am working really hard to stay the course and these credit bureau to feel like they have the right to add something on your report without Validation is crazy and unprofessional because they are aware of the laws and the rights as consumer and I have already dealt with this creditor and the account was removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
There was an old account which was paid in full during the time I had services with XXXX XXXX XXXX that for some reason was purchased by several collection agencies over the course of 7 years and I am not responsible for these charges. I have contacted each collector yet no one has sent me any information concerning this account. The last payment I paid was in the amount of {$100.00} to terminate my services with XXXX XXXX. A representative at the XXXX XXXX XXXX office located in my community took my payment and the equipment when closing my account. Several months later I began disputing the charges which are on my credit report, yet, nothing has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: COMMERCE BANK
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:
Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. Commerce Bank- Hard Inquiry XXXX XXXX- Hard Inquiry XXXX- Hard Inquiry XXXX  XXXX- Hard Inquiry

Company response to consumer: Closed with explanation