BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To whom it may concern looking at my credit report I noticed some errors in the reports by XXXX, XXXX, and Equifax. 

1. Personal information on my report that is not minds ( Names and address ) .I live in North Carolina   Presently for the last 8 years. Havent live in XXXX XXXX Alabama or XXXX XXXX Arizona. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: BANK OF THE WEST
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I CONTACTED BANK OF THE WEST IN XX/XX/XXXX TO ASK FOR A MODIFICATION OF LOAN TERMS, DUE TO A CHANGE IN CIRCUMSTANCES AND THAT BECAUSE OF THESE CHANGES I WAS NO LONGER ABLE TO MAKE THE PAYMENTS FOR THE ORIGINAL AMOUNT OF {$440.00} EACH MONTH. I SUFFER FROM SEVERE XXXX AND XXXX AND AM ON XXXX AND AM NOW CARING FOR MY MOTHER FULL TIME WHO IS ONLY ON SSA RETIREMENT BENEFITS. I PROVIDED THE DOCUMENTS REQUESTED BY THE LOSS MITIGATIONS DEPARTMENT OF THE BANK ALONG WITH MEDICAL DOCUMENTS AND WAS SENT A LETTER ON XX/XX/XXXX THAT ALL DOCUMENTS NEEDED HAD BEEN RECEIVED. THEN ON XX/XX/XXXX I RECEIVED A LETTER STATING THAT DUE TO INSUFFICIENT INCOME THEY WOULD NOT MODIFY LOAN TERMS, BUT THAT WAS THE ENTIRE REASON WHY I ASKED FOR THE CHANGE BECAUSE I COULDN'T AFFORD THE CURRENT TERMS. SO I CONTINUED REACHING OUT TO THE LOSS MITIGATIONS DEPARTMENT AND THROUGH OUT THIS PROCESS WAS INCLUDING LETTERS WITH PARTIAL PAYMENTS OF {$220.00} EACH MONTH AND WAS TOLD BY THE COLLECTIONS DEPARTMENT THAT AS LONG AS I WAS CORRESPONDING WITH LOSS MITIGATIONS AND ATTEMPTING TO MAKE PAYMENTS ON THE LOAN THE CAR WOULD NOT BE REPOSSESSED. THAT WAS NOT THE CASE AND UPON LEAVING TO GO TO THE DOCTORS THE VEHICLE WAS GONE. I HAD TO BORROW MONEY TO GIVE TO THE BANK AND TO THE REPOSSESSION COMPANY AND MANAGE TO GET MYSELF TO XXXX TO RECOVERE CAR ALL IN A MATTER OF DAYS. I AM STRUGGLING TO GET HELP FROM YHE BANK AND CONTACTED XXXX XXXX AT XXXX XXXX XXXX XXXX AND SHE REFERRED ME TO THE CONSUMER ASSISTANCE COUNCIL. I FILLED OUT A COMPLAINT FORM BUT HAVE NOT HEARD BACK. ALL I AM ASKING FOR IS TO CHANGE THE LOAN TERMS IN ORDER TO CUT THE REGULAR PAYMENT IN HALF. I NEED MY VEHICLE TO PROVIDE CARE FOR MY MOTHER, WHICH I HAVE INFORMED THEM OF. THE LOSS MITIGATIONS DEPARTMENT NOW STATES FILE IS INCOMPLETE BUT THE DOCUMENTS THEY ARE ASKIG FOR I ALREADY SUPPLIED TO THEM IN XX/XX/XXXX AND XX/XX/XXXX AND WAS TOLD FILE WAS COMPLETE.

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 2017-11-22
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A XXXX XXXX XXXX XXXX employee allowed her boyfriend to enter my home when I wasnt home and steal my homedepot credit card and jewelry tools etc, after stealing the card he made several purchases with the card, I did not give him the card or authorize him to take the card, I did not authorize him to make purchases, he stole the card and used it to buy merchandise, I contacted the police and made a police report and contacted Home Depot as well to inform them and have the card discontinued so he could no longer use the card, he stole my identity and committed fraud, I filed a fraud report claim with Home Depot they have refused to accept the claim, in addition increased interest and finance charges, they have accused me of leaving the card out for the stealing and fraud, and informed me that my claim was not substantiated however the have video tapes and his signature and hers on purchases, as well as police reports. In addition they refused to issue me another card or give the access code on the stolen card so I could see the account information to take proper action, delaying my right to protect my self, Homedepot treated me as though I was the criminal and deserving and responsible for being a victim of identity theft and fraud.

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 2018-05-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a Wells Fargo Checking account which i have a credit card from Wells fargo attached to if in case of overdrafts. For Years i have been charged an overdraft fee plus the overdraft and it would be charged to my credit card which has a high interest rate. only to have a deposit come through immediately after that that would have covered my charges. I work in the XXXX XXXX and this whole process would be a conflict of interest if i was involved with this process. recently due to Pressure from Class action law suits i got a letter stating that they would reverse any overdrafts if deposits came in by XXXX the next business day. so i gave them the benefit of the doubt because it seemed like these fee vultures where changing there ways, then 2 days ago my account went negative they pulled mone and the fee from my credit card, a deposit came in they reversed the Overdraft form my Checking account but not form my credit card, i had to call them this morning an threaten them and they reversed the credit card charge and the fee. I am now interested in getting all of my fees and charges that where not crediotied back to me over the years. Im sure that i'm not the only one having this issue..

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 2018-12-15
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:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT 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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2020-05-02
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been unemployed since XX/XX/XXXX due to the pandemic. I was able to make my lease payment thankfully in XXXX with Ford Motor Credit. Unfortunately, since I havent had any income coming in, I wanted to reach out to Ford to defer my payments for few months. When I called them to ask for help, they advised me that Id be charged {$200.00} per deferred payment. My payment is {$680.00} and the fee is is a whopping 30 % of my car note which is beyond crazy. Every other creditor that Ive called was able to defer my payments without any fees. I tried to reason with them and explain my situation as many other affected people, but unfortunately they were no help. The representative told me that I was the million and 2nd person that called and said the same thing. I was shocked as so many other people are affected and were treated with this type of predatory fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: First Advantage LNS Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with XXXX.This errouneous account NCAC/National credit audit corp in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.XXXX  is also reporting this account as well, ive reached out to both parties to get information on this account last year XX/XX/XXXX.Since then XXXX   and XXXX  have not supplied any information on this account. XXXX  is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the  collection agency.XXXX has removed this account with no issue at all.Myself and my attorney have started legal action against XXXX  and XXXX  and NCAC for violating the FCRA and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On my Bank of America statement XX/XX/2021 there was a fraud charge on my credit card for {$62.00} to an unknown company XXXX XXXX XXXX XXXX. Fl. I immediately informed the bank they sent me a new card, and credited the account, The fraud phone number XXXX account ending with XXXX My XX/XX/XXXX statement had the charge again. I have spoken to several associates with no resolution. I have asked the bank for backup they keep transferring me with a hold time of half an hour. This is frustrating. 
The bank said its a rental property and this is fraud we have no rental property. 

Please help XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX I had placed and order for a flat iron by accident that I was unable to cancel from XXXX XXXX for the amount of XXXX and I had disputed this charge right away with my capital one Walmart credit card supposedly capital one had told me they would contact XXXX XXXX and get the charges reversed so they did and I guess by time capital one got a hold of XXXX XXXX they sent me the item already anyway So around that time when the dispute was being investigated by capital one I contacted XXXX XXXX and told them that I was trying to cancel the order and that there website didn't give me and Option to cancel the order so XXXX XXXX emailed me a return shipping label in which I had printed out and sent the item back for a refund XXXX XXXX received the item on XX/XX/XXXX at XXXX XXXX. And yet capital one was still investigating the charge I had told capital one that I returned the item and they said they would investigate further and reverse the charge since I sent the item back to XXXX XXXX and they did remove that charge from my credit card balance however today on XX/XX/XXXX. Capital one rebilled me for the charge for the item that was being disputed with XXXX XXXX in which I refuse to pay because I don't have the item I shipped it back to XXXX XXXX with the shipping label XXXX XXXX had emailed me I have he tracking number as proof the item got sent back to XXXX XXXX but yet capital one put the charge back on my credit card balance for me to pay which is wrong because the item is no longer in my possession

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to download PDF payoff and statement data. When I click on download statement a new tab opens but no document is downloaded.

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 2019-09-26
Company: EQUIFAX, INC.
State: NY
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 don't know whether this kind of complaint is appropriate here ; it seems to come under the false-advertising category. Equifax advertises, and has sent me emails regarding, a service called " myEquifax '' that is supposed to make it more convenient to get credit reports, lift security freezes, etc. But there is no way to use the service ; I've been trying for months to login to the service, with multiple calls to their customer service, with no success. I realize that I can get the annual report via XXXX, and accomplish other actions via phone calls, but I don't feel Equifax should promote a product that doesn't work ; this results in a waste of valuable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have realized that my credit dropped 55points from a derogatory mark from Radius Global Solutions for {$210.00} bill payment for XXXX. I had no idea what I was owing to the company. 

I had few months of internet services last year but I found out that my apartment building doesn't have good service with XXXX. I complaint the service problems and they gave me free of charge for the months of services I had to pay. Then I returned the modem. XXXX never billed me anything after that. Then I found out about this through XXXX XXXX that the credit collection agency put the derogatory mark on my credits. I take care of my credit reports and take it very seriously. I try to keep my scores over 800. 

I called XXXX and after talking to them for 2 hours with 5 different departments, they told me that they had a mistake to put charge on modem which I returned. Then they said I still owe {$110.00} for service fees which supposed to be free of charge since I didn't have any good services. 

I still need to call their financial department but I can never get the representative. I run multiple companies and travel a lot internationally. I really need help to solve this issue so that I can have my credit back to 800 level. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX a letter went out asking for my free credit report. Called on XX/XX/XXXX, I was told it was mailed XX/XX/XXXX. I asked about it - I was told another one would be mailed out. Where are they? I even called to put in my current address as a consumer comment so they would have it correct since they refused to put it in in the address field. 

Transunion simply refuses to mail me a free credit report as provided by federal law. 
XXXX and XXXX has both complied with the law, why can't transunion?

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 2019-09-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am complaining about the collection agency, HRRG. Unfortunatley, I did not forsee this problem and don't have a list of dates. However, it started in around XX/XX/2019 with mail correspondence. I called and explained that I had been unemployed and seeking work for some time and could not possibly pay the bill. I could not make payments, I am not shirking my responsibility, but I simply am barely surviving right now. HRRG then proceeded to bombard me with mail. Quickly they moved on to daily collection calls, sometimes twice a day. The calls have been going on since at least XX/XX/XXXX. I don't know what to do. I would love to find a job and pay the thing. Anyone need a bookkeeper?

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 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify Transunion but they stated that I would have to contact the companies directly. The information is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
CARES act passed and have defaulted loans on wage garnishment. 
Wage garnishment has not ceased on defaulted federal loans by my employer XXXX XXXX. 

I have contacted both the Dept of Ed and my employer and neither had take action, in violation of federal law put into effect by the CARES Act. 

There is no further action I can take to stop this illegal garnishment of my funds. I have not received the return of the garnishment on multiple paychecks, which also was promised by the above act and federal department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified of a new account on my credit report. Upon looking look like a unknown account for the amount of {$260.00} was placed for collections on my report from NCC XXXX, FL. I am unaware of any past due or delinquent account.

Company response to consumer: Closed with explanation