BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the account in question countless times, and have been restricted from disputing any longer due to the issue being " resolve '' as no change numerous times. The account has been paid in full in response to a charge off on the account back in XXXX. I paid the remaking balance owed to the creditor in XXXX and have disputed the status which shows as Potentially Negative and Derogatory/Charge-off instead of showing as Current/Paid in Full. The account is closed but still affects my credit and ability to be offered credit as it is visible on my report as negative and has been for almost a year since I paid it fully on XX/XX/XXXX and have since disputed it with no change to the account. I would like this entire account to be removed as it is not benefiting my report in any way and is only negatively impacting my report due to a lack of experienced investigation into the matter on Experian 's behalf.

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 2021-11-01
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 had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX XXXX XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be 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 non-monetary relief
Consumer complaint received 2021-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, my daughter used my card to order her cap and gown. 
On XX/XX/2021 my daughters school emailed her and notified her about a cyber incident that had taken place w people who ordered their cap and gown and told me to keep a watch out for my card. 
I was out of the country so i was not able to access my account. As soon as i got home i checked my account and it was wiped out to {$0.00} ( i originally had a balance of XXXX on that card ). 
on XXXX, XXXX, 2021 i filed my first claim. And provided them with all the information i had. 
I received a temporary credit of XXXX applied to my account. I received a new card as well. On XXXX XXXX, the temporary credit was wiped out of my account again. 

I contacted boa that same day trying to figure out what happened and how this was able to happen if a new card was issued, and the representative told me that the " scammer '' had linked their account # to my account and they were able to wipe it account again threw a bank transfer. Which was not stated to me, or know by the first representative when i initially filed the claim Since XXXX been filing claims and they've been giving me the run around, and I've had to make new claims almost every time I've called because they keep getting closed out. My most recent claim number for BOA is:XXXX  Early XXXX, 2021 i got a letter in the mail saying that my account was credited the XXXX. So i went in to the bank to try to withdraw it and it was not in my account. Connected BOA and they claimed that the claim wasn't resolved it. I've been getting the run around for about XXXX  months now. I need my money back. 

I've contacted XXXX XXXX as well on several occasions. And filed a claim with them as well.

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 2019-01-31
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a dispute with XXXX  on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX XXXX/XXXX XXXX which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by Credit Karma. I also had this same account listed on my XXXX   credit report and I disputed it there, as well. I received the same notification on my XXXX  report stating, " XXXX XXXX Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my XXXX and XXXX credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Three transactions were presented at the same time. It was the order in which they were presented and I was charged a {$35.00} handling fee.

The three transactions were onXX/XX/XXXX. {$1200.00} transfer, {$25.00} debit card and XXXX   debit card.

I requested bank to review order of transactions, remove the fee and deny the {$22.00} transaction since it had dropped off the account for two weeks, and then resurfaced. Either don't charge me the fee since all transactions were approved and processed when made, or deny the transaction that came back and should not process.

I did not sign up for banks overdraft on purpose.

I would appreciate your review and see what can be done to return the overdraft fee.

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 2022-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested payment history at least 4 or 5 times. I continue to receive XXXX thru XXXX. The house was built in XXXX. That's the Originated date. Bank of America is reporting the Originated date is XXXX. There are no documentation for XXXX except my information I receive from closing and the building process. We refinance in XXXX for XXXX dollars. We built our home with the bonus room unfinish. We got the XXXX to finish it. That was the first and last time activity took place on this loan. This loan has 5 different loan no. and 4 different FHA no. I can't get an answer why this loan has so much activity. It has a Partial Claim, Modification, Forbearance, Subordinate Deed. In XXXX the Loan number was XXXX it was change to XXXX. I would think anything going forward from XXXX would automatically be XXXX. That is not the case. I found XXXX loan numbers are XXXX. Then you have loan number where everything is black out except the last 4 numbers. This loan has fraudulent Activity. This is FRAUD!!! ( I XXXX XXXX XXXX give my wife XXXX XXXX permission to speak on my behalf. My name is on the mortgage. XXXX XXXX and XXXX XXXX XXXX is on the Deed. We will not sign any documents for Bank of America )

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 2022-10-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent two pay-to-delete letters to National Credit Sytems to settle my debt of {$2400.00}. I sent my first pay-to-delete letter on XX/XX/XXXX, and requested a written correspondence letter of acceptance or denial of my offer. I received two letters from National Credit Systems dated XX/XX/XXXX and XXXX of XXXX stating that a settlement can only be made if I contact the office. I followed up with a pay to delete letter on XX/XX/XXXX and didn't receive a response. I also specifically stated in my second letter that I did not wish to be contacted via phone nor contact via phone. As of XX/XX/XXXX. I still have not received a letter in response to my second letter. Today, XX/XX/XXXX. I received 6 phone calls at XXXX XXXX after specifically stating no phone communication for this very reason. Not only are they disregarding my wishes not to be contacted, but they are not trying to settle my account in writing. I also notified them via email today to make them aware that their harassing tactics will be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted Discover Bank to dispute a {$25.00} fee that XXXX took from my account then lied to the CFPB and said they did not take it from my account for a NSF charge when the check had already cleared the bank! Complaint XXXX and my response to that complaint is below! Then the bank said they did pay it but I would be on hold for 45 min waiting to file the dispute or more! I told XXXX I could not wait as I work for the State of IL Dept of Employment and told XXXX her manager the same and asked them if they could file it for me as we are working 12 hour days and they only allow us two fifteen minute breaks a day and an hour lunch which I was calling on! So I am not able to call and sit on hold at any time and need to get the dispute filed, they would not do it and kept telling me to call back to XXXX. They will not listen. Please contact their corporate office and have them dispute and reverse the {$25.00} fee they paid to XXXX XXXX which was XXXX which was the fee they just told you they never received!! 


LIARS!!! I updated this complaint as well as the complaints I have filed with the FTC and the IL Attorney General with the letter I just received yesterday from these crooks all with screen shots for all transactions made on my account which show the exact dates and amount to taken from my checking account! The check was submitted XXXX times by XXXX XXXX Bank for  XXXX XXXX and paid full on second attempt which is NOT and NSF! Then a week later these crooks stoled by ACH the {$25.00} fee for nothing! Yes they did get it my bank did not decline I have proof of all so do you as I sent all to your report fraud email address to give to you and so do the other regulators! I want my money back now or I will sue and for a whole lot more in fact! XXXX was sued by the FTC recently for the same fraud and had to pay billions as was XXXX XXXX, they have not learned and need to be shut down!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in the beginning of restructuring debt, with a debt management company. 
I have several accounts with American Express which are to be put into the payment program. However, one of the requirements of the program is to provide the full account numbers. One account with American  Express, was closed in XX/XX/2017. Although I have continued payments to this account, the refuse to send out a new card. This card would contain my full account number, which the debt management company would use to put the account into the plan. My statements, do not contain the full account number ( only last 6 of account are provided. The debt management company can not include my account in the program, unless they can meet the requirement from American Express to provide a full account number. 

I have contacted American Express and they provided a tracking number for my request XXXX, but supported the initial response, which was refusal of providing my account number and refusing to send out a new card. 

Attached is the statement from American Express, which I hope would help you in a response to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: AL
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 sent in a dispute 5 years ago on XXXX credit card service. It had been removed off all credit reports. They will change my name off by one letter or change address to have Experian have it reappear on my credit report  .Experian XXXX having XXXX reappear on my credit report. I have sent in my police report, revoked any power attorney, never gave consent for XXXX to use my name or to put anything on my credit report. I want Experian to remove XXXX off my credit report and block them.

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 2019-02-01
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have attempted for too long to get this matter figured out with the bank. They have played games and having been dragging this along for years now. I began my dispute on unauthorized fraudulent transactions immediately after they began. This bank has done nothing but continue to allow fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06
Company: CITIBANK, N.A.
State: KS
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 we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a Visa card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a Sears/Citibank account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact Sears/Citibank. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a XXXX loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from Sears/CBNA in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted Sears/CNBA to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks

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 2020-10-20
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new relationship with Citi Bank during a promotional period in which I was promised {$1500.00} if I maintained a $ XXXX balance for 60 days. During that 60 day period, I scheduled a future mtg payment ( also w/ Citi ) for XXXX on XX/XX/XXXX. Although the payment was scheduled for XXXX, it was debited on XX/XX/XXXX w/o my authorization. As a result, my balance dropped below $ XXXX for a short period of time and I lost the {$1500.00}.

I believe the early/uauthorized debit of my account by Citi was an unfair practice under UDAAP for the following reasons : 1 ) It caused harm ( lost {$1500.00} ) 2 ) The harm was not reasonably avoidable. I reviewed the payment confirmation page again and it does not disclose the fact that the payment will be debited immediately when scheduling a future payment. 3 ) The harm is not outweighed by countervailing benefits for the consumer.
Also, worth noting that I did contact Citi immediately when the payment was debited to inform them of the error and to cancel the payment. Unfortunately, Citi was not able to reverse the payment.

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