BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2022, I contacted the Bank of America number listed on XXXX at XXXX regarding a credit card that I did not apply for or receive. I was told to call XXXX instead. 

After a terrible automated experience that repeatedly asked for the account number I DO NOT HAVE SINCE THE CREDIT CARD WAS ISSUED FRAUDULENTLY I spoke to XXXX in XXXX XXXX. He submitted the fraud form. He told me a paper copy of the original application would be sent to me. XXXX states the card application was made XX/XX/XXXX and was also mailed to an address on XX/XX/2022. He said he could not tell me that address but that someone at another number could. 

He transferred me AGAIN to XXXX. I spoke to XXXX. She told me that XXXX did not make a fraud claim and that I would be on hold and have to speak to YET AGAIN ANOTHER person to make a fraud claim!??? 

The next person I spoke to was XXXX XXXX He told me the address the card was sent to and stated that he did not know why XXXX had transferred me to him. He could not transfer me back directly to XXXX so again I was on hold with an automated message. 

I do not feel my issue was resolved as I was given conflicting information by XXXX and XXXX as to whether a fraud claim was actually made. I do know this account was closed.

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 2020-01-31
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out on XX/XX/2020 about information sent to collections through credit monitoring services. Upon calling the collections agency appearing on my credit report, I was told it was for XXXX XXXX in the amount of {$100.00} I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from XXXX XXXX, their billing company ( XXXX XXXX XXXX ) or National Recovery Agency ( collections agency ) prior to placing on my credit report. I got XXXX number from the collection agency and been trying to get to the bottom of this. Both the billing company and collections agency had my city wrong when I called them and they asked me to verify. I have been met with unprofessionalism when talking with employees at National Recovery Agency and XXXX XXXX XXXX. I was told by XXXX XXXX XXXX on XX/XX/2020 that my dispute was received. I also notified the collections agency that I was going to dispute. I'm attaching the dispute letter. Multiple calls made last week to XXXX XXXX XXXX were going to voicemail - no one answered phone throughout the day. I left a message and the rep ( XXXX  ) that called me back had a phone number showing up as SPAM LIKELY. I answered the call because I recognized it as the number I had been calling. XXXX told me my dispute was sent to XXXX XXXX for review and they will make decision. She refused to give me info about XXXX XXXX as I wanted to contact them directly and told me to XXXX it. I don't know how to reach them, but left a message on XX/XX/2020 for the City of XXXX Community Rep to see if she can help and have not received a call back thus far. Please investigate XXXX XXXX, XXXX XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.

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 2022-07-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an account with TD Bank. The balance of the account was paid in full on XX/XX/2022. TD claims they never received the payment. I use a bill paying service offered by XXXX XXXX XXXX XXXX. A check for the balance ( not electronic/paper check ) was mailed on XX/XX/XXXX and cleared on XX/XX/XXXX for {$1500.00}. TD bank said they did not receive the payment and would investigate why they did not receive it.. My verification number with XXXX & XXXX bank is XXXX. In addition TD bank had charged late fees 3 times and the payment was sent on routine basis every month from the bill paying service, the payment was never late. TD did reverse one of the late charges. Now they are robo calling me every day reminding me a payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-11-26
Company: Experian Information Solutions Inc.
State: MN
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:
Not my information reporting 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 2022-07-19
Company: Debt Recovery Solutions, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for a loan with a different company. I was paying the loan off when I got laid off my job and I got Covid and was in the hospital. I was trying to get back On my feet and forgot about the loan. I thought they were taking the money from my account. The company sold my account to a different company and in return, sold it to another company and now my account is being sold around to different company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I found out I was victim of Identity Theft. A fraudulent application had been submitted to XXXX XXXX requesting auto financing in my name. XXXX XXXX sent this application to various lenders they use. It was when I received a letter from a company named XXXX, declining my application, that I was made aware of the Identity Theft. When I spoke to them I found out my application had come from XXXX XXXX. I then called XXXX XXXX, to advise them I had not submitted an application. They said they would follow up with the companies they had passed the application on to and let them know this was fraud. At that time I requested credit reports from XXXX, XXXX and Equifax. I found inquires on all reports from lenders I have never heard of. I have worked with XXXX and have gotten my report corrected. XXXX is currently working on my disputes. But Equifax is telling me they do have the ability to remove inquiries affecting my credit score. Vendors who received an application and contacted Equifax for a credit report have assured me they have contacted Equifax advising them these inquires need to be removed. ( The companies are XXXX and XXXX ) As of this morning, XX/XX/2018, Equifax is saying they have not received any information to support my claim and in the meantime these inquires will remain on my report and affect my credit score. I have an open FTC complaint and a Police Report as well, but Equifax says this doesn't make a difference. I want this corrected and not to continue to show as something derogatory on my report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: BANK OF THE WEST
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
So I originally banked with XXXX but kind of got frustrated when they only let you take off a certain amount a week or use a certain amount a week. I wanted to buy a new car after saving so long so I opened an actual bank account with Bank Of The West so that I wouldnt have the limit problem. So I opened an account with them and transferred all my money from XXXX about XXXX to my Bank of the West account & closed my XXXX account. When I went to bank of the west to try and get money out they told me no it looked suspicious because I just opened the account and now I want to take {$20000.00} out so a entire month went by of them doing investigating Ive called everyday. They finally told me they was sending my transfer back to my XXXX and didnt want to do business with me ( never told me why ) I believe they racially profiled me, so I asked how will they send my money back if I closed my XXXX account they didnt have an legit answer. Two weeks went by I called XXXX they said your account is closed with us so theirs no way they can send money back I called the bank back on three way the XXXX XXXX explained to bank of the west my account closed etc so XXXX ( bank of west agent ) said ok our investigations will then have to cut me a check its been another two weeks I havent heard anything they claim they sent my money to XXXX which is impossible and still never received a check. When I call the bank they dont answer we I literally have to call from different numbers just for them to pick up as if they have caller id and see me calling or something Im just frustrated and XXXX of my money just out there missing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I applied online at XXXX for their XXXX Credit Card while trying to purchase airline tickets. The credit card promotion that convinced me to apply was {$100.00} Statement Credit if {$2000.00} spent during 1st 90 days, a {$99.00} companion fare at end of year, and XXXX frequent flyer miles. I received instant approval from Bank of America, and in XXXX received credit for the XXXX frequent flyer miles but not the {$100.00} statement credit, despite satisfying the {$2000.00} spending requirement. Bank of America has sent me required electronic disclosures and the credit card agreement, but no mention of the {$100.00} statement credit. After doing XXXX XXXX, I have found other XXXX XXXX credit card customers who have experienced the exact same scenario. I've spoken to Bank of America and there " researching '' the issue under ticket # XXXX, but I expect the same written response from them that the other online complainers got - can't find that XXXX XXXX promotion. Indeed, filing a CFPB complaint was listed as the only solution to the problem so here I am. What is upsetting is the deceptive trade practice ( AKA bait and switch ), either by XXXX  XXXX or B of A. Yes I want them to honor their advertising promotion, but they should want to do the right thing.

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 2022-07-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX provided me XXXX XXXX service on 4 dates through XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I provided XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at the time of service. 
XXXX XXXX and XXXX both sent the bills to an address from 7 years ago and Insurance from 7 years ago and of course it wasn't paid. 

Wakefield Collections called XXXX of XXXX and I saw they had the wrong address and wrong insurance. I updated Wakefiled AND Carepoint AND XXXX XXXX of my address and correct insurance. 

XXXX only applied that information to one of the dates of service and called again in XX/XX/XXXX harassing me about the other three. They still had the wrong address and wrong insurance and still all three showing as collections even though they said they would remove it completely after they realized they screwed up with the wrong insurance. 

These medical collections are hurting my credit score and causing me higher financing rates and I need the collections removed ASAP or I will be taking Carepoint and Wakefiled to court and suing for higher mortgage payments, credit cards and loans payments, plus punitive damages for knowingly and intentionally materially neglect and knowling issuing false statements to the Credit Bureaus. My Anthem insurance paid XXXX XXXX for these dates. It's only XXXX and Wakefield who harass individuals even when I provided the correct insurance 3 times and I still have a collection being shown. This is criminal to let a company cause me so much financial harm with no consequences for their actions of incompetence and intimidation. 7 months is more than enough time to contact my insurance company XXXX and get paid for all accounts not just one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Ray Klein, Inc.
State: OR
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:
The only utility company in XXXX, OR will not give me service because of an almost XXXX year debt that has since been sent to collections and closed by the agency. They say they will continue to refuse me service until I'm in good standing with the debt collectors. Professional Credit Services. I'm very low on cash and don't know what I should do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: IL
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 a loan with XXXX XXXX XXXX in XXXX  XXXX IL months ago. I refinanced the same loan XXXX different times afterwards, adding a small amount to the loan. Then XXXX was bought out by XXXX XXXX. Then this past week when I went to apply for a mortgage with a bank I found out these refinanced loans were not updated on my credit reports so still show open, so it looks like I have several loans open!! I went into XXXX/XXXX in XXXX XXXX and they said there is some kind of glitch in their system after they got bought out and several accounts did not get updated on credit reports. So I asked for my paperwork on all of the loans showing they had been refinanced as I did not received them when I refinanced. I do already have the paperwork on the current loan, which is all of the refinanced loans put together into one and it is now under their new owners name XXXX XXXX. I then asked them to call their corporate office to update all on all of my credit reports, but they said the home office said all customers have to contact the credit reporting agencies and file a dispute and then they will have to update from that. Please contact them and have them update all of my accounts with them including all loans with XXXX   and all loans with XXXX as all were made and refinanced at the same establishment within a few months of each other and they still own the same establishment, with all of the credit bureaus and then have them send me a corrected copy of all of my credit reports from all three credit reporting agencies. I have tried to go online to file a dispute, but the system locks up and would not allow me in, so I would like for you to contact all of them for me. XXXX, Equifax, XXXX and XXXX. I have attached documents showing all were refinanced and only one loan is still open which is my current loan with them, the others should clearly state refinanced and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Mobiloans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a small loan and was accepted for a short term loan. Being military with XXXX credit I anticipated 36 % but found this to be more of a Payday loan. They are trying to classify as line of credit and trying to circumvent the military lending act and service member civil relief act. 
I have contacted them but they refuse to waver which is putting myself in financial hardship.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-31
Company: EQUIFAX, INC.
State: TN
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:
Your company is deliberately passing reporting obvious inaccurate information. This is my third or fourth time requesting a Line by Line investigation, and or that these accounts be deleted because they are inaccurate. You and I both know that you are Not doing a proper investigation In Accordance With ( XXXX ) the Fair Credit Reporting Act. How many times do I have to bring the fact that you are reporting Inaccurate information to your attention, which you and I both know is a Blatant violation of my federally protected rights. I prefer to work this at the lowest level, but you are leaving me no choice. I need these corrections to be made and inaccurate accounts deleted. Incorrect Names : XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, TN XXXX. Incorrect Employment : XXXX. Correct Employment : XXXX XXXX XXXX. XXXX accordance with 15 U.S. Code 1681s2 - ( b ) ( 1 ) ( D ) Responsibilities of furnishers of information to consumer reporting agencies this information must be deleted if the investigation finds that the information is incomplete or inaccurate, report those results to All other consumer reporting agencies to which the person furnished the information and that maintain files on consumers on a nationwide basis. Accounts Deleted off other Credit Reports : XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX. XXXX XXXX Account # XXXX. Incorrect Inquiries : XXXX XXXX XXXX XXXX & XXXX. These accounts and inquiries have been deleted from my XXXX and Equifax Credit Reports. In accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated reinvestigation system ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency XXXX report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting act, these accounts are in violation of my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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. I am tired of asking the credit bureaus to delete these inaccuracies and to stop violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation