BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was going to enter a debt consolidation program and they sent a letter to Bank of America by mistake saying I was including my account in the debt consolidation program when I wasn't including it in the program and then I decided not to do the debt consolidation program after I found out that they wouldn't be paying off my debt each month but rather negotiating with them and holding my money in an account which would cause late payments on my credit report. AT any rate, I've been paying my Bank of America credit card each month and unless I call Bank of America or tried to use it, I would never know my card was closed because no where on my statement does it say it is closed. Instead, it tells me what my available credit is and what my credit limit is. This is deceptive and I keep thinking that they have reopened my credit card each month when I receive my statement. I called Bank of America and they say it will show I have credit available to me until the card is paid in full. The statement should say what my available credit limit is but it should not say I have an available limit. It is just plain deceptive and gets my hopes up each month. I never missed a payment when they closed my account. They only closed because of a letter received in error, not on the basis of my payment history which I also believe is wrong. They had no reason to close my account if I was making my payments on time and not missing any payments. It took me 20 years for them to finally issue me a credit card and then to have them close it due to an error seems unjust. I want them to put somewhere on my statement that my card is closed and that I do not have any available credit.

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 2021-03-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
For a period of over 2 years, XXXX XXXX XXXX XXXX inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, XXXX XXXX XXXX XXXX has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on 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 2023-08-06
Company: Experian Information Solutions Inc.
State: UT
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:
THIS IS NOT A DISPUTE FOR CREDITORS! THIS IS A REQUEST TO EXPERIAN TO ADD ADDITIONAL INFORMATION TO MY CREDIT THAT IS CURRENTLY MISSING. The accounts listed below have never reflected expiration dates as to when the accounts will expire and be removed from my credit, even though all are and have been closed for years. 

XXXX. XXXX # XXXX - this account is paid & closed but does not show an expiration date as to when it will fall off. Please add the date so that I can track it. 

XXXX. XXXX # XXXX - this account was charged off but is close to its expiration date. There is no date showing currently to assist in tracking when this will fall off. Please add it so I can track it. 

XXXX. XXXX XXXX # XXXX - this account has been charged off for a long time. There is no expiration date listed to assist in knowing when it will fall off. Please add the date it will expire on my credit, so that I can track it. It should be close to expiration 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 explanation
Consumer complaint received 2021-02-26
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Discrimination on a population, race, or gender. I am a XXXX woman owned business working to create affordable housing and revitalize my community through community development in Arkansas. I was wrongfully denied a mortgage loan for an investment property after being told verbally that they didn't see any problems with the loan. I have collateral, good credit, relationship with the bank for 35 years and they see my monthly cash flow. There is no reason I should have been denied. I feel that the bank mislead me to think that I would be financed. This was wrong and I want justice because this isn't the first time that I have been wrongfully denied a loan at this bank.

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 2021-02-26
Company: Santander Consumer USA Holdings Inc.
State: ME
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had know knowledge and try to work with them but they refuse and very rude also I try to have them remove off my credit report because say charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CRDT SYS INC is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: SC
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:
Requested debt validation through the 3 major credit reporting bureaus as well as XXXXXXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. XXXX only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to XXXX XXXX, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.

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 2021-02-26
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 information incorrect

Complaint:
I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to XXXX XXXX, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see identity theft report. Since earlier this year, I have CONSISENTLY disputed fraudulent accounts that are results of identity theft on my credit profile, with all 3 credit bureaus, and they HAVE IGNORED my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles!

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 2018-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a text message from XXXX XXXX XXXX this evening indicating suspected credit card fraud. The message stated that the bank was freezing my credit card and that I could call a particular telephone number to reactivate it. I called that number and have been waiting over 30 minutes on hold. TO ADDRESS SUSPECTED CREDIT CARD FRAUD. 

This is a huge deterrent to the timely resolution of fraud issues and, quite frankly, unacceptable customer service. Unfortunately, it's par for the course for XXXX XXXX XXXX. Rather than the exception, 30+ minute wait times are the rule when it comes to contacting them via telephone.

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 2023-05-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently noticed the following collection account on my EQUIFAX consumer credit report : XXXXXXXX XXXX XXXX XXXX for {$1500.00} This account was previously listed, and disputed, under a different company called XXXX XXXX XXXX ( see attachment ). I previously disputed ownership of that account and no valid documentary evidence was provided. If the credit reporting agencies have received NEW documentary evidence that reflects a valid debt I now owe this company with transaction history amounting to {$1500.00} made between me and XXXX XXXX, please provide me with such. 

Please note that copies of statements are not valid proof of an itemized payment history reflecting amounts and dates payments were made by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the  item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

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 2018-09-24
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  assumed management of my XXXX XXXX   loans in May. Apparently, I selected " online billing '' as an option but selected against receiving email notifications. This was according to a conversation I had with a represented on Mon XX/XX/XXXX. I was past due by 2 months but had not received notification of this from XXXX XXXX or XXXX XXXX. I spoke to a representative XXXX XXXX ) on Thu XX/XX/XXXX and was told " all delinquent accounts are sent notifications by mail. '' I spoke to her supervisor ( XXXX ) and was told " delinquent notifications can be sent by email. '' I told them that there was clearly a process issue that would allow for online bill pay but not for any online notifications of delinquencies. I asked that the negative filing be waived from my credit report but I was told this couldn't be done without speaking to 'superiors. ' I was assured that I would be contacted the following morning ( Fri XX/XX/XXXX ) but I have yet to receive a call. My credit score before this mishap was XXXX, which indicates a long history of paying my bills consistently and on time. I believe the company has a fiduciary duty to ensure that the person holding the loan has been contacted and informed of pending actions before taking actions that can negatively impact their credit score. At NO TIME did I receive a written notification or telephone call. I believe that these actions constitute a breach of fiduciary duty, possible libel for aggressive pursuing this course of action when, in fact, a process issue created this problem, and potentially fraud because of the misinformation I was provided when I contacted the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX - Overdraft of {$35.00} by Wells Fargo on an amount of {$9.00} XX/XX/XXXX - Overdraft fee of {$35.00} by Wells Fargo on an amount of {$8.00} Wells Fargo allowed for my wages to be garnished in XXXX and then had a withdrawal fee on top to that. I do not have access to the XXXX information, because the bank did not provide statements.

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 2019-06-03
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I am filing a complaint on the fact that I can't get an answer from the mortgage company why I have to start my year escrow with {$1200.00} I've gone through my contracts I've gone through everything I sign for the modification there is nothing listed anywhere that indicates or states that I have to start my escrow which starts in XXXX with {$1200.00} I was told that I had to have a cushion which was {$610.00} but what I have to start my new year is {$1200.00} can someone explain this to me because they're not explaining it to me so this is not a duplicated complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I had XXXX student loans with XXXX XXXX XXXX that were charged-off and sold to an unscrupulous debt collector ; XXXX XXXX XXXX, XXXX based in XXXX XXXX, SC. This debt buyer has illegally added over $ XXXX in interest/fees to the loan, which I don't think is legal since the loan had already been charged off by XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX has stated the loan balance to be in excess of $ XXXX while BofA charged the loans off for about $ XXXX. I believe that my original loan agreement doesn't allow for the fees/interest that they are attempting to add to the loan through their aggressive attorney, XXXX XXXX XXXX. Further, I've learned that XXXX XXXX XXXX, XXXX is operated/owned by the same individuals at XXXX and XXXX, which is who XXXX   XXXX XXXX used as their collection agency prior to selling the loan to XXXX XXXX XXXX, XXXX - a major conflict of interest.

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 2021-02-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Due to XXXX XXXX 's Immigration Lawyer, XXXX XXXX, & Operations Manager, XXXX XXXX, money was wired from my account Domestically & Internationally on the following dates : XX/XX/XXXX for {$2600.00} for XXXX XXXX XXXX XXXX ; XX/XX/XXXX for {$3400.00} for Security Clearance ; XX/XX/XXXX for {$5600.00} for Non Resident Overseas Account ( XXXX Bank XXXX ; XX/XX/XXXX for {$4200.00} for Administrative Fees ; and XX/XX/XXXX for {$6000.00} for Government Tax Levy Fees. 
All of these wires were scams & JPMorgan Chase Bank informed me that they can't help me retrieve my funds, nor put in an incident ticket, which were to fraudulent accounts in which Chase had no issues releasing my money from my account in the first place. 
The tracking numbers I have been provided are as follows XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: SYNCHRONY FINANCIAL
State: SC
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:
Requested debt validation through the 3 major credit reporting bureaus as well as Belk/XXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. Belk only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.

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 2021-03-26
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: Old information reappears or never goes away

Complaint:
For a period of over 2 years, XXXX XXXX XXXX XXXX inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, XXXX XXXX XXXX XXXX has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: FL
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 have contacted the XXXX major credit bureaus, XXXX, XXXX, and Equifax, I have disputed several inaccuracies, I have not received any answers to my disputes. I have sent dispute letters in the month of XXXX and XXXX. it has been over 60 days and I have received no respone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent letters to the respective agency last XX/XX/2022, but up until now I haven't received any repose from them. I am very stressed right now and I felt being ignored and being taken advantage.

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