BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A XXXX XXXX XXXX XXXX ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO XXXX XXXX XXXX FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XX/XX/XXXX. I CALLED BOTH XXXX XXXX XXXX XXXX   AND BANK OF AMERICA. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH BANK OF AMERICA AND XXXX XXXX XXXX XXXX XXXX FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX XXXX XXXX XXXX/ From original Creditor XXXX  placed a collection on my TransUnion report for {$490.00} ( They reduced it later to {$490.00} ) This Collection is not accurate for 2 reasons : 1. I had an account with XXXX  which I terminated XX/XX/XXXX after a 6 month agreement I completed. They tried to continue to charge me saying I had a one year agreement which is false, for which I disputed and got my money back from my XXXX XXXX Account. 
2. This account is violating my rights under the Statue of limitations because it was wrongfully reported as a new collection on XX/XX/XXXX when this was an account closed XX/XX/XXXX ( 7years prior ) which will make it now 8 years old for which even if it was a legitimate collection ( which is not the case ) it will be removed because it is 8 yrs old. 

I disputed the above collection to TransUnion and on XX/XX/XXXX they reported as investigation results that it was verified as accurate and that it will not be removed until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: WASHINGTON FEDERAL BANK
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
My debit card was stolen along with my ID and information related to a former vehicle I had. A charge was made for nearly {$1200.00} by merchant " ewing bros ''. I went to the bank and submitted a dispute through them as fraud charge. The bank sends me a letter refusing to honor my claim since the merchant was able to respond. The bank did not provide me with a way to dispute The documentation submitted by the merchant unlike most banks. The bank also refused to activate a new debit card in the mail which they sent me. I feel as if the bank is ignoring me and disregarding me as a customer for some merchant who is local.

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 2019-02-25
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX took my Payments I paid ahead on each month payments took 1 payment towards paying off late fees and didnt pay my actual payment and reported me late on the credit bureau in XX/XX/2018. I have tried to resolved this and its all recorded on their system. They made the mistake and refuse to remove the late payment. I called each month and was told I was good until XX/XX/XXXX for another payment then I saw a late pay on my credit report. Please help me fight this giant of a bank. I dont think I need a lawyer for this I will appreciate any help from your organization. 

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 2023-05-23
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
All the Credit agencies have reported a Bancruptcy on my personal area of my credit report. 
According to the law 15 US Code 1681 FCRA I wrote to the Bancruptcy Court and they wrote me back saying they do Not Report Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Conduent Incorporated
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XXXX for Indiana has no live person to talk to, even after the web site says it has 24/7 service. I have spent over two hours trying to call them, using the number on the card and by using the internet. I have also call my child support division and they tell me they have no way of helping with this issue. I need to report fraud on my XXXX and there is no way to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry  is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 XX/XX/XXXX I made a purchase for the total of {$7000.00}. When I logged in to Check my account i saw I was charged TWICE. I called the store who assured me they only rang me up once and showed me proof. I then called the credit card company and they told me its a known issue and they are working on fixing it. Today is now XX/XX/XXXX and I still show a double charge. Each time I call they tell me there is nothing they can do and I have to wait. Am extremely upset to see a balance of {$14000.00} on my account due to being double charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Ocwen Financial Corporation
State: CA
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:
This is a follow on to complaint ID XXXX. 

According to the CARES act and the XX/XX/XXXX Website : " Credit Reporting and Scores Under the CARES Act In response to the unprecedented financial impact of the COVID-19 outbreak, many lenders have developed relief options that give consumers wiggle room if they are unable to make their regular payments. To protect consumers against being reported as delinquent if they utilize these options, the CARES Act calls for creditors to adjust how they report accounts that have been modified. 

The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. Here are two scenarios you could experience under the CARES Act : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent XXXX past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. '' My loan was never in delinquent status. My credit history can prove that. As it states above, " ... the creditor needs to report to the credit bureaus that you are current on your loan. '' This is not what happened to PHH reports to the credit agencies. If need be, I will cite the actual CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A few months after receiving the XXXX XXXX XXXX, I ended up going underway for a few months. I forgot all about this card but when I remembered I had this card, I called the number for the XXXX XXXX XXXX. They told me dont worry we dont report this on your credit report. Im like thank XXXX. Then one day I checked my credit score and I have numerous of late payments on my XXXX XXXX. I was told that they wouldnt report it and now the late payments are the only thing stopping me from being able to buy a house. They wont work with you to remove the late payments. Im a single mother in the military trying to buy a house and everyone always looks at my late payments for the XXXX XXXX because I dont have much on my credit report. Ive called numerous amounts of times to see if theres anything I could do in order for them to remove the late payments but they wont do anything or help anyone. They dont care about us.

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 2020-10-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I consolidated my individual student loans and began to make payments under an income driven repayment plan. Several months after this I was told that for some reason one of the individual loans was not added in the consolidation. They then asked me if I wanted to re-consolidate again with the additional individual loan added. After agreeing to this and going through with the process, I was then informed that the 20 year repayment process was restarted and my previous monthly payments did not count towards the 240 required payments on my Income driven repayment plan. In addition to this I have had multiple issues with contact with the company and issues with my yearly re-certification of income to remain on my IDR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my full balance on my Citibank card on XX/XX/XXXX {$1700.00}. I was contacted by then that I still incurred a late fee. So I paid this on XX/XX/XXXX. My account was closed and I was assured by them that it would close my account. I no longer had access to online banking. Much to my dismay I kept incurring late fees. Up to {$67.00}. The only way I knew about this was they sent a text message. I received no mail notification. They refused to reverse any of these fees. I paid the full balance again today but they could not reassure me that I still would not incur late fees. I am going through a Mortgage selling and purchasing and they would not report me for late payments to the credit bureaus. I spoke to XXXX people including the escallation team. None would help me.

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 2020-11-30
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Per the credit reporting company an individual credit card was opened using my name and social security number. 

BB & T XXXX, NC opened XX/XX/20 no balance as of XX/XX/20 credit limit {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CFS 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 received my Credit Report from all 3 credit bureaus, & a Inquiry is showing for CONFIDENT FINL SLTNS/W on XX/XX/XXXX & XX/XX/XXXX. It is showing that someone tried to apply for a credit card from CONFIDENT FINL SLTNS/ using my identity. I have never tried to apply for a credit card from any company as I have no effort and do not wish to have credit cards.Also I am victim of fraud and are taking the necessary steps to resolved this matter as well. I have called CONFIDENT FINL SLTNS and explaining that this was fraudulent and have spoken with several representatives but have not been successful of getting this Inquiry removed.This mark is very damaging to my credit and I have no knowledge of this, and will like to have this removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian to do a dispute and I was told I can not do another dispute on the company because I disputed it in XXXX and it came back verified. I asked the lady what was verified beside a address and she said my social security number as well as my date of birth I made her aware that this is a fraudulent account and she said well they verified my information so I asked her is there a contract or something that she see that verified that I had an account with them she said no but they sent over something and I asked her well if there is something I need to see it and she had no idea what was sent to them to verify that I had an account with the collection agency nor XXXX who is the original creditor after we went back and forth she said I still couldnt do a dispute so she didnt know what to tell me. I made her aware that I have contacted the collection agency and XXXX and neither could provide me with anything showing I had an account its fraud she said well they verified the account and she didnt know what more to tell me. I explained to her that this is the second time this has happened when it was time for me to get a clearance for my job Im in the XXXX and if she would have looked back 2 years ago she will she a different collection agency had this same account on top of a third agency is also reporting this same account she was no help very rude and refused to look into the account to see what type of verification information they had to show I had this account. I am starting to think that the credit bureaus are working with the collection agencies because there is no way that you can verify I had an account with my social security number and a old address its impossible. So therefore I had to take this a little further

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 2020-05-27
Company: Experian Information Solutions Inc.
State: IN
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:
What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as Experian, XXXX, and XXXX  not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   XXXX {$560.00} 4 ) XXXX  XXXX XXXX  {$850.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  XXXX {$0.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
State: NC
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:
On Decemebr XXXX I was contacted XXXX XXXX XXXX XXXX stating that I owed {$1600.00} for a Wells Fargo Bank account that i had XXXX years ago trying to collect a debt. stated that i was being sued and was going to jail. They sent me a letter stating if I made a payment the billing descriptor would appear as XXXX XXXX XXXX XXXX. I researched this company and found out that they were scamming people.They told me this account was on my credit report and I know its not because i just brought a home. They were trying to scam me and this company should be shut down

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