BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Thursday, XX/XX/XXXX, I went online to check my account. A message was displayed that indicated the account was disabled and to call a phone number. I called the number and there was no answer. It was XXXX XXXX. On Friday, XXXX XXXX, I called the number. It was the Risk Closure Department. I was informed that Bank of America had decided to close my account. They reserve the right to do that at any time without explanation. At this time it was frozen and was scheduled for closure on XX/XX/XXXX. I told the representative that I had a Social Security Check scheduled to be deposited on XX/XX/XXXX and a pension check on XX/XX/XXXX. She told me to call the Risk Closure department on the morning of the deposit and they would put in a request for disbursement of those funds. She indicated that I would be able to pick up those funds at a branch office later that day. 
On XX/XX/XXXX I called the Risk Closure Department to make the above mentioned request. The person I spoke to said it would take 1 - 3 business days to get a response. For some reason they would not count that day as day 1. This meant that the 3rd business day would be Monday, XX/XX/XXXX but I could call each day to see if there was a response to my request. I called every day and have done so since and there is still no response to my request. Today is XX/XX/XXXX, 6 business days and no response. They are now telling me that usually no response means that they are going to wait until the account is closed and mail a check at that time. For me that is XX/XX/XXXX. 
On XX/XX/XXXX, I received a written communication from Bank of America regarding this situation. It was dated XX/XX/XXXX. The letter outlined what was happening and what to expect. One item in  particular was a statement regarding scheduled direct deposits. It states " We won't accept direct deposits into your account ''. Well they accepted both my social security check and pension check into the account so they are now tied up in this process. If they had returned them, I would have been issued paper checks from those agencies long before 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 2018-12-06
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: Information belongs to someone else

Complaint:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, equifax, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
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: Account status incorrect

Complaint:
NY Higher Education Corporation keep putting information on XXXX, XXXX and XXXX   stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago.

This is causing my credit score to drop and shows damaging information on collections I do not have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XX/XX/XXXX I paid XXXX XXXX XXXX {$1000.00} using Capital One credit card ending in XXXX for the trip to XXXX ( for myself and my friend ) for the following dates XX/XX/XXXX - XX/XX/XXXX. The travel agency ( XXXX ) canceled all the trips to XXXX because the country got closed due to the COVID19 pandemic. I contacted the owner of the travel agency, XXXX XXXX, who never responded to my numerous emails and phone calls. I planned to get the money back for the following reason - I paid for the service that had never been provided. Six months later she responded ( all correspondence was in XXXX since we both speak the same language ) that the company would provide a one-year credit, which we do not need since we will not be able to visit XXXX due to medial issues ; moreover, the country is still closed for US travellers. 
Then, I decided to dispute this transaction with the bank ( Capital One ). Unfortunately, they declined my request with the following explanation, " ... we are unable to assist with your claim because : We can only request a credit from a merchant if we can document how the merchant violated an operating guideline. '' I got two similar responses from Capital One : XX/XX/XXXX and XX/XX/XXXX ( the case number is XXXX ). 
I did not give up and tried to contact he owner of the travel agency, XXXX XXXX, who was ignoring my phone calls to XXXX and emails. 
The XXXX agent recommended I contact you to further assist me with this dispute - I will reiterate : I paid for the service that has not been provided and due to the pandemic issues world-wide in general and in XXXX in particular, I do not plan to visit XXXX. 
Please assist me to get the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: AR
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 Ex-husband and I had things in both our names and I did not file this and had the judge remove my name from bankruptcy.

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 2019-11-13
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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2019-01-05
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I filed a report with the XXXX Police Report that my drivers license and social security had been lost in between XX/XX/XXXX at a house I rented that non of the XXXX XXXX XXXX accounts were mine including satellites tv, internet and landline phone. 


I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX threatened to sue them and with their fraud division at below address on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX They sent me a letter of apology for the inconvenience stating that the accounts had been removed, no impact on credit and to keep open to their services should an opportunity arise. 

Here we go again after more than two years. There should be a class action suit against XXXX XXXX XXXX and their collection agencies who they sell their accounts that were already removed and communicated to the victims.

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 2019-01-05
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX is trying to collect on a debt that is well over 10 years old, and well outside the 7-years rule on credit reporting. They are in violation of their subscriber agreement with Experian, and there is no other recourse but to permanently delete the collection from my personal credit report. This posted collection is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This item must be deleted and my file must be purged permanently.

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 2021-05-01
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:
XXXX I purchase and item from XXXX XXXX. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: EQUIFAX, INC.
State: NC
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:
in XX/XX/XXXX i went to XXXX XXXX XXXX XXXX to open an account to deposit funds i was going to use to repair my house, and when the teller said to me i could get a credit card i said i was not interested in a credit card them i did not think anything of it so i went on and few days later i notice a inquire on my credit report i ask XXXX XXXX XXXX and they gave me some kind of mumbo gumbo so I let it slide and then XX/XX/XXXX i had a hurricane damage to my house so i had FEMA flood insurance they took care of the part iwas in insured for and they told me i had to file a claim with my insurance company for the other damages to my house so I did they did not pay enough for all the damages I contact fema and told me to fill out a small business loan i told them i did not want a loan they said that was a procedure and that would not have to start the loan process and i for got about it until i seem and inquiry on my report and i call equifax and they said it was the USDA i call them and they said they did not do it so Equifax lied they were trying to get me to get a mortgage loan and i said i did not apply for a loan and they have not did anything yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
It is my understanding that the federal government has set student loan interest rates to 0 % from XX/XX/XXXX to XX/XX/XXXX. 
I have contacted my student loan servicer to inquire on why they continue to charge me me interest on my federal student loans and I'm getting no where. 
In addition, I have previously sent them written instructions on my overpayments should be applied, but they keep applying them to future interest as opposed to to principle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NE
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 XXXX XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Carolina Finance, LLC
State: SC
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:
Carolina Finance has been reporting the incorrect balance since XX/XX/2016. They reported the car was sold at a auction and the new balance is half of what they are reporting. I contacted the office to make them aware and requested a printout in which I received. I also contacted the credit bureaus in which no update was ever made to the account and provided them with the paperwork. This is causing harm when I apply for loans because its showing I owe more than what is owed. I just want the issue resolved. Carolina finance has charged this account off.

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 2020-05-12
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: Information belongs to someone else

Complaint:
equifax, XXXX  and XXXX  has accounts on my credit report thats not mine/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Fair Credit Reporting Act represents the culmination of the aspiration of the Western XXXX settlers of this country that it become the foundation of a world where money is the sole authority ( the purpose for which Democracy was resurrected, as XXXX colonists recognized through the religious turmoil at the root of the collapse of XXXX aristocracy the underlying need for Humanity to be thoroughly governed by self-interest as best embodied by money ) through the unlimited authority granted to creditors to extort consumers into paying fraudulent debts, by having the FCRA consist of private companies being granted unlimited access to the personal information of consumers without their consent or the authority to consider any proof from them that information in their credit files is intended to further fraudulence or even criminality, leaving hiring an attorney as their only recourse. As outlined in my CFPB Case ( # XXXX ) and XXXX Complaint ( https : XXXX ) regarding this issue, the merchant has elected to continue to exploit the unlimited leverage granted to creditors by the FCRA to extort consumers into paying fraudulent debts as means of doing its part to secure this country 's place as the foundation of a world where money is the sole authority -- even as the world continues to unravel because of the inability of those in positions of authority to forgo short-term profits to provide for the public welfare -- by relentlessly pandering to other merchants at the expense of consumers, thereby furthering the inevitable collapse of the world under the weight of its own corruption.

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: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted check # XXXX  from XXXX XXXX to BBVA Compass made out for {$1500.00} for the payment of my mortgage. This check was cashed by BBVA on XX/XX/XXXX for {$500.00}. I noticed the error on XX/XX/XXXX and contacted XXXX. They saw the check image and submitted an additional {$1000.00} to BBVA Compass to correct the transaction. I later received notification from BBVA compass that my mortgage was overdue. BBVA had not posted the additional {$1000.00} to my account and processed the {$500.00} payment as curtailment instead of a partial payment. I contacted BBVA on XX/XX/XXXX to have this issue corrected and they were unable to find the additional {$1000.00} transaction. I was told that I needed to contact XXXX   and have them send a copy of the voided check or transaction for the {$1000.00}. I contacted XXXX  ( case # XXXX ) and they provided me with the reference number ( XXXX ) and stated that BBVA was required to find the money since it had already been processed and finalized. I contacted BBVA again and was told that they would research and call me back ( reference # XXXX  ). I had to contact BBVA multiple times asking for the status only to be told after the third time that the research request was never created and I needed to send in a copy of my bank statement showing the {$1000.00}. I sent this on two separate occasions. Once on XX/XX/XXXX to XXXX, and again on XXXX XXXX XXXX to XXXX this last time with a new reference number ( XXXX ) and was told it would be resolved within 10 business days. I finally called again on XX/XX/XXXX and was informed that they never received the bank statement and didn't have a record of my issues dating back farther than XX/XX/XXXX. This has resulted in late fees being applied to my account, the accrual of additional compound interest on the {$1000.00}, loss of at least 15 hours as I had to fight this error, and loss of trust in the financial institution of BBVA Compass.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX XXXX XXXX  XXXX loan for a XXXX purchased. XXXX Customer service calls me and hangs up every day, their dialing system does not work. I had set up direct deposit payments, but their system did not process XXXX, which was supposed to be first month drawn direct. All payments are made and current. No payments were made late, yet XXXX XXXX is reporting the XXXX payment as 30 days late. Their customer service person recognized the error and noted in system but refused to change the credit reporting. Gave me a PO Box to mail a request to update credit report. No response to multiple mailings. This one incorrect reporting dropped my credit score 64 points in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received an alert from a third-party credit monitoring service that Experian themselves not a bank or lender reporting to Experian had changed my mailing address on file ( without my knowledge or consent ), removing my apartment number. I want to correct this. 

I have tried for several weeks to login to Experian 's site to obtain a copy of my credit report, verify their address on file for me, and enable a credit freeze. 

After entering my personal information, I always get an error saying they've " encountered an internal system error, '' directing me to call a toll-free number to get support. 

They even send me emails, telling me to " simply tap below '' to finish setting up my account which, of course, inevitably leads to an error screen. 

When I call the toll-free number provided and enter my personal information, they provide absolutely no way to talk to a representative. Every single menu option eventually leads to a variation of a statement of basically " just login at our website, '' which I am obviously unable to do. I've even tried calling their corporate number, and their menu system there explicitly says that I can not talk to anyone. 

It seems as though Experian is intentionally preventing me from accessing my credit info and correcting incorrect information on my file.

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 2018-06-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My credit report shows hard inquiries on my account indicating that I have applied for a loan. I have not. This company knows full well that I am in the midst of a divorce, that my EX is court ordered to pay the loan and has not. They know that I HAVE NOT applied for a loan as they KNOW I do not currently have a job and have been jobless for almost a year at this point in time. This has all been reported to their collections department many, many times. I have NEVER applied for a loan and nor would I. 

If they have an application in error, I want to know who signed it as it was NOT me. THREE times in the past slightly over a year they have dinged my credit with a hard inquiry. AGAIN, I Have NOT and NOR would I apply for a loan without a job.

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 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion continues to furnish items on my credit report that aren't mine. According to 1681 ( b ) ( 2 ) nothing shall be on my credit report without my written consent.

1. XXXX XXXX XXXXXX/XX/XXXX {$450.00} 2. XXXX XXXX XXXX XXXXXX/XX/XXXX {$650.00} ( failed to mark as disputed 15 USC 1681 s2 ) 3. XXXX XXXX XX/XX/XXXX {$370.00}

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