BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 opened a credit car with Bank of America. Once I received my first statement, I set up payment options through the online banking website, and set up an automatic payment from my bank to Bank of America. 

No automatic payment has ever been deducted from my bank account and applied to my credit card. I went online back in XXXX and attempted to pay my card via the website, but was not able to. I was able to pay via telephone, and began working with Bank of America to fix the issue with making payments from the website. 

Bank of America has not addressed the issues I have making payments online : I am not able to pay my credit card using the website, and I am not able to set up an automatic payment. I continue to receive an error that tells me " We can't complete your request at this time. Please try again later. '' ( attached ) The only way I can pay is to call in every month and make a phone payment, which is not how Bank of America advertises their service. 

Calls to the department at Bank of America that is supposed to be working on my issue are not returned, and no one I speak to on the phone is aware of my 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 2021-03-04
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY 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 2018-04-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke to Chase Credit Card and asked them to remove the late fees because I paid all my credit cards automatically. I spoke to them about the late fee which they mentioned was in error and they took it off, but now they are just leaving the lateness on my credit report which is wrong. 

I called them and informed of the situation, which no body is ready to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have 4 loans with a company called XXXX. I have had these loans since 2013 and have never been late. I always pay on the XXXX of the month. I have received a threatening phone call from Aimloan over the last two months. The woman, XXXX XXXX ID # XXXX ) calls on around the XXXX of month and states she is collecting a debt and there may be fees for debt collection. I politely told her to stop calling as I pay on the XXXX of the month and have never been late in 8 years. She continued to state there may be collection fees as the payment is due on the first. 

I told her I pay on the XXXX and please stop the threatening phone calls. This is the second month in a row. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: FL
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:
My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After requesting the bank accommodate my XXXX for a home mortgage the bank then reufsed to serve me. Earlier they had told me they they did not have to serve the XXXX for 30 days. Cant get mortgage cant do banking, fearing retaliation for making the discrimination complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.

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 2017-08-03
Company: EQUIFAX, INC.
State: KY
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:
The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Though there are protections in place to prevent XXXX discrimination in nearly every aspect of life, the three credit reporting agencies are happy to discriminate on XXXX people covered under XXXX protections in the way that they report. Despite multiple attempts to have misleading information removed from my credit reports ( which has prevented me from being able to secure financing based solely on data that was the product of blatant XXXX discrimination ), the agencies refuse to represent my financial responsibility in a way that adequately represents my spending habits. In stead of demonstrating my credit worthiness, the credit agencies are skewing my results due to accounts that I could sue for blatant XXXX discrimination ( which I am working on ). While the effects are minimal for the other FICO scores, the accounts that are inaccurately depicting my financial responsibility lower my FICO-4 score ( which is used for mortgages ) to a ridiculously low level and will exclude me from home ownership for the rest of my life. The account in question has four years of negative payment history following the notification from the Attorney General 's Office that the account needed to be modified to accommodate my XXXX. My XXXX began two years prior to that in 2012.

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved

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 2018-04-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with WellsFargo for two years and my business account for 7 months and they sent me a letter stating they will close my account on XX/XX/XXXX, I called the 800 number and all they would tell me is I am high risk, I need a better answer than that, Its really sad I have been with them for two years and all they did send me a letter told me we will cancel my account on the XXXX and they do not want to tell me the reason! 
Thanks very much for the help

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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if TransUnion is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.

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 2022-01-05
Company: Trojan Professional Services, Inc.
State: NJ
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:
Trojan Proffessional Date : XX/XX/2022 RE : Alleged debt of {$41.00} To Whom It May Concern : I have not received your attempt to validate the debt regarding the alleged {$41.00} debt reporting on my consumer report. I must inform you that you have failed to validate this debt. Your office hasnt sent any portion of what appears to be acceptable documentation so you have not yet provided sufficient evidence, per the FDCPA and as required, that this alleged debt is accurate and mine. 

You DID NOT SEND : Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX USCA-02-C-0072 Proof of my identity Proof that Trojan Professional owns this debt or the Contract giving you power to collect Proof that this debt has not been written off as a tax liability In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did. 
As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. 
For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. All future communications with me must be done in writing for tracking purposes and sent to the address you have on file. 
Thank you and I look forward to your resolving this mistake most expeditiously. 

Consumer, XXXX cc : FTC ; U.S. Attorney General ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; Consumer Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: NC
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:
Equifax was asked to investigate an entry on my credit file. The results have continuously been that the entry has been verified with a third-party. I contacted the third-party ( XXXX XXXX ) and they stated that they could not validate this entry so therefore XXXX XXXX deleted the entry from their files. Equifax was sent a copy of the response that I received from XXXX XXXX several times. Entry was disputed again and the response was that Equifax verified the information through the court system. I contacted the court system listed and they stated that they do not verify this type of information. The court system response has been sent to Equifax as well. The last request that I had was for Equifax to send all documents that they had in their file that validated the entry on my report whether it be the court system or XXXX XXXX. The response that I recieved was that the entry had been validated yet again by a third-party ( XXXX XXXX ) but there were no related documents furnished to support this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was evicted in XX/XX/2015. A judgment was entered, and I owed {$2200.00}. They said I had to pay an amount of {$230.00} a month if I wanted to keep this off my credit. The payments were due each XXXX  of the month. I paid on time the best I could. When not able to, they worked with me. They accepted a lesser amount, but I had to make up for it the following month. The last payment was made in XX/XX/XXXX. I ran a credit report shortly after this to start working on other issues, only to find that it was reported in XX/XX/XXXXBEFORE the payment was even due. I feel this is completely unfair. I contacted the company several times, and they said they could not send me a deletion letter so I could have all 3 credit bureaus remove it, but they sent me a paid in full letter. That letter was in my purse when it got stolen out of my car, so I dont have that anymore, but I do have proof it was paid off. The company did contact the credit bureaus, and transunion and experian took it off right away, as it was unfairly reported. XXXX, however, to this day, refuses to remove it. They claim theyve contacted the company and gotten confirmation that its accurate. This company claims they told equifax to remove it. Neither one will do anything to actually remove it, and its preventing me from getting an apartment for me and my children. This has affected my credit for a year and a half longer than it should have. It never should have been reported because I did my part to keep it off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received my credit report and noticed that American express was not a lender I have had a relationship with. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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: Account information incorrect

Complaint:
Experian fails to remove the 13 XXXX XXXX XXXX accounst. Experian reports incorrectly that these accounts first report dates. Experian reports incorrectly that these account balances. Experian reports incorrectly that these accounts are past due. Experian reports correctly payments then deletes them. Experian reports incorrectly these account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing a collection from Rent Recovery Solutions for an apartment XXXX XXXX for months. I've written them both, the collection agency and the apartment complex, because I don't believe that this balance is anywhere near correct. I've gotten no response from either of them but the collection agency calls non stop and will not give me any info but demand payment. I called the collection agency directly hoping to get some assistance they were unable to find me in their system. I asked then how come they are calling me demanding payment, they had no explanation. I called the apartment complex and spoke with the leasing manager. They had no record of me and no record of the collection agency either. This has been on my credit report XXXX of XXXX and I've been disputing it since XXXX of XXXX with no results what so ever.

Company response to consumer: Closed with explanation