BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit balance on my Bank of America ( BofA ) credit card ending XXXX in XX/XX/2021 and BofA representative told they would transfer XXXX of credit on the credit card to my checking account ending XXXX at that time. However, they sent XXXX of credit back the original payment account instead of my checking account without my authorization. The original payment account was closed ( from the bill pay service ), which I am not able to access. Now I have XXXX $ of credit in my credit card and I dont know where my credit is. I have contacted BofA serval times and spent hours in requesting the credit back to my credit card account XXXX in XXXX and XXXX. I have not received any progress and update to date yet. Therefore, I request BofA correct the error they made and return my credit into my credit card 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 2018-04-18
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: Account status incorrect

Complaint:
I opened an account with XXXX XXXX XXXX in XX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX The account was sold to multiple collection agencies but was settled and paid in XX/XX/XXXX XXXX XXXX XXXX  has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

EQUIFAX - reflecting 90 days late payments inXX/XX/XXXX andXX/XX/XXXX. XXXX - reflecting 90 days late payments in XX/XX/XXXXand XX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX  as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: BlueChip Financial
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX I filed a complaint against XXXX as I was reciving threatning calls from the debt company they sold my supposed debt to. I was contacted by XXXX on XX/XX/XXXX by XXXX XXXX a debt credit manager stating they were in the process of buying the debt back and marking it as paid in full, I still have all emails. Here we are XX/XX/XXXX and I just recived a email from XXXX XXXX XXXX XXXX stating I must pay half of the orgional debt of XXXX. Now spotloan has told me multiple times this account is marked paid in full and closed. But yet they tend to try and sell my loan every few years now. This is harassment and is affecting my life at work and home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Bayside Capital Services, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This creditor called my husbands phone and said a legal notice will be sent to my place of business the next business day if I did not contact them immediately. So I called the number that was giving to my husband and a very rude man said that I owed an amount of {$3800.00}. Although I did take a payday loan out for XXXX dollars some time ago, I have never take loan amount for over that. This gentleman told me that my original loan was for XXXX dollars. I ask for verification of the loan and was told that I was only trying to stall and that I needed to take care of it right then. I expressed the fact that I have a right to ask for verification and again was told I do not. He then hung up on me. I called back and asked to speak to a supervisor. I told the supervisor that I was not disputing the loan just the amount. I was told if I set up arrangements that day that He would get the information out to me in 10 days from the original creditor. Well this never happen. I continued to make payments of XXXX every paycheck. I asked several times for the information I request and still no response. I stop payment on the last weeks payment and again I got a call from the company saying they were going to send out legal notice to my place of employment. I called the number back and was told that they have sent the notice to me about what I owe. but the only notice I get is from them. not from the original creditor, so they still can not prove to me that I owe the amount they say. Then doing some research today, I find out that collection agency in the state of XXXX XXXX can not collect on Payday loans because it is illegal. I want this to stop. I want the original amount owed and I also want to know if they are legally allowed to collect money from me for a payday loan that I told out over the internet. I live in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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:
1. XXXX shows my credit limited decreased with XXXX XXXX XXXX from XXXX to {$500.00} which is incorrect, credit limit is still {$2000.00}. This false information causing my score to decrease by 99 points.

2. XXXX, Equifax and XXXX refuse to correct previous dispute regarding XXXX XXXX XXXX  they continue to show a balance with one account was paid in full and the other was discharged in previous bankruptcy and should show a XXXX  balance. This is false information 3. XXXX XXXX  was settled and paid in full, XXXX XXXX continues to show a balance owed on XXXX XXXX XXXX. This is false information 4. Bankruptcy reporting, XXXX Equifax and XXXX continue to report false information that they have not been able to verify, name and social security number does not match filing and social security administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: CREDIT WORLD SERVICES, INC.
State: KS
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 have yet to receive validation of the account with Credit World which I requested two months ago not to mention the debt has been discharged in a bankruptcy finalized last week. Nothing has changed this company has done nothing to rectify this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Collection Service Center, Inc.
State: PA
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 had services completed at XXXX in XXXX  PA in XX/XX/XXXX. Due to them updating their billing system which lingered, I didn't receive a billing statement from them until mid to late XXXX. When I received my bill it was for an incorrect amount which lead to me waiting another 6 months or so to get an updated bill. I received a bill in XX/XX/XXXX or XX/XX/XXXX and paid that statement in XX/XX/XXXX. I was reported to Collection Services Center in XXXX XXXX PA due to the payment passing in the mail with the debt reporting. When I received my first collection notice in XX/XX/XXXX from CSC I called XXXX to see why I was reported when I paid. They said they'd make the collection services aware that I paid. They never did. I received another collection notice in XX/XX/XXXX which ultimately lead to a hit on my credit report even though I paid back in XXXX. I was denied a loan because of this and my credit score plummeted by 80 points. I disputed with XXXX  and they denied my claim stating the information is correct and I owe money. I called XXXX several times and CSC regarding this matter and they act like I'm in the wrong and just say 'sorry ' when I bring it to their attention. I paid in XXXX and the collection service was never notified which is what should have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
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:
In XXXX of 2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XXXX of 2018 with no balance and paid as agreed. I received a bill in XXXX of 2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XXXX of 2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 XXXX reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with XXXX and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with XXXX is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: PENTAGON FEDERAL CREDIT UNION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
i been on hardship because havent work in some months, so penfed closed my account and now sending this letter about suing me with their lawyers.i have reach out to them about this account to keep it in good standing.

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 2019-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Bank of America is harassing me nonstop for marketing purposes, having nothing to do with my credit card or its account. They are trying to obtain information on my income, investments, etc. When I login to my credit card account I have to click through a pop-up that tries to solicit this information. They send emails to my personal email account. And most recently, they have been leaving dozens of messages on the answering machine of my home telephone.

I am not interested in additional financial services from Bank of America, and I consider all of the information they are attempting to collect as private and none of their business. They are inappropriately exploiting contact information they have on me, turning it over to their marketing department, and harassing me. Please tell them to cease and desist!

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 2018-08-01
Company: Navient Solutions, LLC.
State: NJ
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:
Navient is claiming I owe over {$70000.00} for a XXXX  certificate when the colleges records state {$30000.00} in federal student loans were used for that certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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:
These items are not my items reporting.

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 2019-01-30
Company: Client Services, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told them on several occasions the person they are calling does not live here and they still continue to call. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX   XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: MRS BPO, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX/XXXX/2017 at XXXX we received an automated call ( XXXX ) asking for a call back to XXXX. A call back was placed to MRS Associates and I stated to the operator that we have asked multiple times for calls to stop being placed to us. The operator very politely tried to go through our main numbers and stated that our main numbers have been blocked. Because the system does not allow for forwarding to the main number, a narrowing of what number is being used is impossible, as we have several numbers that forward to our main number if not answered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, I received notification from XXXX that a collection was added to my credit reports. The XXXX agency is listed as XXXX and the original creditor is listed as XXXX XXXX XXXX. I reached out to XXXX, Equifax, and XXXX, informing them I have a bill from the original creditor listing the past due amount as {$1000.00}. The amount listed on my credit reports was {$1000.00}, it was recently updated by XXXX to reflect {$1000.00}. This amount is still incorrect and should be removed for inaccuracy. Also, the date opened listed on my reports is incorrect. XXXX has XX/XX/2018, the correct date is XX/XX/2018. I have asked each of the bureaus to remove the account due to inaccurate information listed. XXXX  stated they could remove it but the collection agency could put it back on my report with the accurate balance and correct date opened. This is turn would drop my credit score again, and appear to be a new collection account. Equifax stated once the account is removed the collection agency would NOT be able to put this account back on my report. XXXX  stated the collection account is not listed on my report. I would like for this account to removed from both my XXXX  and Equifax reports due to inaccurate information listed. Also, I never received notice from XXXX notifying me of the pending collection. I have attached a copy of the bill from XXXX XXXX XXXX and a copy of my credit report showing the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of Capital One bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company capital one sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
On XXXX XX/XX/2019 I was overcharged by a taxi for a fare of approximately 50 SGD that processed as {$390.00}. I was not provided with a receipt and I was unaware of the overcharge when the transaction was conducted. After reviewing my credit card statement, I filed a dispute for the transaction. However, the investigation concluded that no billing error occurred. I subsequently requested that the investigation be reopened and for more documentation detailing the results of the investigation, but I received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For three years Ive disputed XXXX XXXX invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes Transunion and XXXX have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to XXXX XXXX. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.

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 2018-08-01
Company: Experian Information Solutions Inc.
State: AR
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:
Experian mailed a copy of my credit report dated XX/XX/XXXX which included the following accounts that were previously disputed which Experian stated '' the disputed information does not appear on your current Experian credit report. The accounts in question are ; 1.XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX # XXXX, 3.XXXX XXXX XXXX #, 4.XXXX XXXX/XXXX  # XXXX, 7. XXXX/XXXX   # XXXX, 8.XXXX XXXX/XXXX XXXX XXXX # XXXX, 9.XXXX XXXX XXXX # XXXX, 10.XXXX XXXX/XXXX XXXX # XXXX. I am included a copy of my Experian Credit report for supporting documentation

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 2019-01-30
Company: Diversified Consultants, Inc.
State: IL
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 never received any written or verbal communication from this company stating I owe them anything. The last I heard from XXXX was they were going to investigate the debt and they will have diversified consultants stop the credit reporting. This is against the law and they have no proof that I owe this debt.

Company response to consumer: Closed with explanation