BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In approximately XX/XX/XXXX or XX/XX/XXXX I notice unusual activated on two on my credit cards ending in # XXXX and # XXXX which are the new cards that Bank of America issued. When I notice the activated I went to my branch office and reported it. we requested that all account be closed and open new ones. they filed a fraud report and advise that I just replace the credit cards, so I did. The new cards came in about a week later with instruction on activating then, I called to activate them and they refused to do so said they were investigation the account, i replayed that they should since i reported it. I since have have had several conversation with branch office and credit card division the branch office didn't seem to understand what was going on. I ask the credit card division if they were not going to reopen the card to lower the interest rate and either combine the cards together for a lower payment since i could not use them. They replayed that I was making the payment and that they could not do that. As of the middle of XXXX the credit cards have been taken off line which is how i look after them and make payments. 
I feel that they have mishandled the case all the way around. I do not feel that I should have to pay high interest rates on accounts that I can't use. I thought I was doing right in reporting the activated on the account...

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 2022-08-08
Company: Experian Information Solutions Inc.
State: DE
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$540.00} XXXX XX/XX/2021 XXXX XXXX  XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from XXXX XXXX XXXX XXXX and I ca n't understand why when I was in forbearance.

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
( Please See Attached Documents ) This happened on or about XXXX XXXX, I went to Bank of America atm system to withdrawal my last {$40.00} out of my checking account. I went to use the local metro subway to purchase the metro card as I gave the lady one of the {$20.00} that BOA dispensed out of the atm system and to hear the little money I do have is fake. I was flabbergasted to hear such words. I immediately gave her the other {$20.00} and she was able to collect such. Now I am stuck with a fake {$20.00} bill and now no money. That caused me great embarrassment and distressed. I am a elderly and to hear my last little dollars I do have is fake, from such a large company like BOA. I put my trust into this banking institute. I immediately went to BOA to have this matter addressed only to be looked as a fraudster. To take the {$20.00} and not reimbursement for this distraught moment I had to endeavor. The branch said to me that they would investigate the matter and I would be notified. I allowed weeks of communication through email and countless times having to go back into the branch to only get no end result in my dispute FOR SIMPLY {$20.00}. Now as I stated, BOA you are a large company to you {$20.00} is chump change, but to me the consumer that was my last, my all, and I am loooking for the reimbursement. I still hold on to that because the level of stress it has caused me.

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 2018-10-16
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax XXXX - you removed XXXX  XXXX from the report { was reading { XXXX XXXX } No response from XXXX  XXXX sense I started disputing this 6 months ago please explain why XXXX XXXX was removed from report I have sent you evidence that XXXX has no factual evidence that this account is mine or made by me it is a case of fraud in 2014 enclosed are incoming and outgoing responses to this matter, it is clearly visible that XXXX  XXXX refused to respond and there is No evidence this was made by me. You Equifax keep claiming its been updated with old information and have not did an investigation as you claim has been done, You state if the information can not be verifiyed it is removed this is the evidence enclosed its not my account I never made it and it was fraud. Under the FCRA this should of been removed a long time ago Please remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX   XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb

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 2021-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Walmart card that was opened by someone else under my name appeared on my credit report 8 months ago. I have gone back and forth so many times trying to delete this account and capital one is saying they have validated my account. 

Upon further research this account was bought from XXXX XXXX and now I am fighting with them. It was never opened with capital one and yet they are trying to collect. This account needs to be deleted from my credit reports and deleted from the capital one internal database as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-10-16
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called JH Portfolio Debt on XX/XX/XXXX and tried to settle my account for {$500.00}. Instead of trying to settle I was threaten. They said they were sending my account to an attorney and I was being sued. Again I attempted to settle instead they came back with an offer of {$660.00} I told them I was on a strict income and could not afford that. They refused to lower to {$600.00} and basically told me I was out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank 's role as a mortgage servicer was terminated effective XX/XX/2017, when I mailed CMRRR a Notice of Rescission rescinding the mortgage on that date the mortgage was not in default and no payments were due. 


After receipt of my Notice of Rescission on XX/XX/2017, M & T Bank has been operating as a debt collector by attempting to collect the rescinded mortgage as if it was in default when it is not in default and in making false representations of the character, amount, or legal status of the rescinded mortgage in violation of the FDCPA.

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 2018-10-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
We have used the CITI credit card now for over a year and we take issue with their billing practices. It seems to be the business strategy to encourage the use of the card, and then to apply interest charges, before the payment due date, purposely throwing the balance over the agreed limit. By being able to show an excessive balance, they create a justification to raise interest rates to 30 %. 

We have always paid more than the minimum amount due, and except for one instance, where we were two days late, payments have been on time. Thus it was to our surprise to find that CITI had approximately doubled the interest rate on the outstanding due with the card. It is not just a question of fairness, but a fraudulent strategy by CITI to legitimize the imposition of additional interest and service fees.

If CITI is willing to take away these false charges, reduce the interest rate to what it was before, we will resume making payments. 

Notes : 1 ) Spoke with CITI consumer services in XXXX. They said that if I paid all interest and fees to date, they would discuss lowering the interest rate. 
2 ) Interest Rate 12/2017 16.49 % - Interest Rate 9/2018 29.99 %

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 2018-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I fell behind during a financial issue on debts, as I was catching up everything XXXX sold my debt before I could recover. XXXX XXXX XXXX bought the debt and issued a letter threatening to sue me in XX/XX/XXXX. I responded in XX/XX/XXXX with " first request ' requesting to have a payment arrangement sent to me. A month later I got a second notice threatening to sue me. I again responded with 'second request ' for repayment schedule. In XX/XX/XXXX I was notified that XXXX XXXX XXXX and their attorney XXXX XXXX had filed a lawsuit in court against me. I have attempted to obtain a repayment schedule form them again, this time by certified letter to XXXX XXXX, XXXX XXXX XXXX and copied all to XXXX County Court. They have deceptive practices and I will not make a non-binding verbal agreement over the phone to only have them continue with the lawsuit to garnish my wages/property. I am attaching copies of the most recent letters and USPS tracking numbers. In addition a screen print from their web page showing I can not set up payments. I was able to work with all of my other creditors to catch up and have one additional in collections that have allowed me to set up payment arrangements. It seems MCM is only interested in deceptive and threatening practices, not in actually working with the debtor to get the debt paid. I still would like to opportunity to set up payments on this account and have the lawsuit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Key 2 Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have never given this company my work phone number as I am not only not permitted to receive personal calls while working, but also I was not employed by them at the time that I was in school. 
I have asked to stop calling my work phone and they repeatedly call the receptionist to be transferred to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: Finance of America Holdings LLC
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XX/XX/2017 I applied for a Reverse Mortgage. Everything went smoothly, counseling, in-home Mortgage Review, etc., until the Appraiser took note of the power lines running beside my property. Photo Attached. They wanted a letter from XXXX XXXX XXXX XXXX of the lines stating they were safe and were not a danger. XXXX letter attached. 

I spoke with a different Lender and they provided the actual Underwriting verbiage that pertains to the lines. 

" If the dwelling or related property improvements are located within the XXXX area, the Mortgagee must obtain a certification from the appropriate utility company or local regulatory agency stating that the relationship between the improvements and Local Distribution Lines conforms to local standards and is safe. '' These transmission lines have been here for over 50 years and run thru densely populated areas. I am sure all of the homes were financed. 

After a long silence from the Lender I received a form letter stating insufficient collateral. Copy attached. My home is paid for? 

I have talked with Local, State, and Federal Utility Regulators and no one can understand the reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian put a security alert on my credit report and left it on for a long time I believe a little more than one year causing me to have lots of hard inquiries because automatically lenders think that the person is not the person who is applying due to the security alert. Now the security alert is off, but the consequences is that it left me with lots of hard inquiries on my credit report. I was denied credit because of this security alert that was on. Please have them to remove the hard inquiries from the past year since I already contacted the lenders and they said only credit bureaus can take hard inquiries 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 2021-08-22
Company: EQUIFAX, INC.
State: CA
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:
Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-02-26
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I only first learned of this debt of XX/XX/XXXX when I was notified this collection hit my credit report. I immediately sent a certified letter requesting verification of the debt and information on it as I had never heard of Contract Callers   before. I followed up with a phone call the following day in which I disputed the debt once again and requested verification of the debt. Especially as it was being reported as a new debt with a date of XX/XX/XXXX, when in fact I learned after speaking with them the original date of delinquency for this account with the city of XXXX was close to 8 years prior. Furthermore, at the time I did not live in XXXX, nor did I have an active account with the city of XXXX. Even worse, years after this debt was past due I opened a new account with the city of XXXX without any trouble or notice from them at all. At this time were given my most current address, to which I have yet to receive a single shred of notification or verification of this debt. 

Even worse, Contract Callers has repeatedly violated the FCRA by continually reporting and flagging this account as a collection on my credit reports. Not only have they reported the same debt more than once, they have failed to include that the debt is under dispute or provide me with any notice of my rights, notice or verification of this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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