BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: AL
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 have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. Equifax still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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 with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020, I received fraud alerts from Bank of America credit card, I called them instantly. They asked did I make any purchased in XXXX. I told them no because I was still at work. They also asked me do I have my credit card with me, without checking my wallet or thinking my wallet would be missing, I told them I still have it. Then not long after that phone call, I received fraud alerts from my XXXX Credit Card regarding same thing. At then, I went to check for my wallet and only to find my wallet was missing. Then the same time I started to get fraud alerts from XXXX XXXX ( ATM card ). At that point, I called all my credit cards and banks ( XXXX XXXX and XXXX ) to freeze them. 
Between the evening of XX/XX/2020 and morning of XX/XX/2020, XXXX XXXX ATM card was charged {$350.00} and {$480.00} in XXXX  ( XXXX XXXX CA ) ; XXXX Credit Card was charged {$480.00} in XXXX  ( XXXX XXXX CA ) ; Bank of American charged {$220.00} in XXXX ( XXXX ), {$3.00} in XXXX ( XXXX ), {$20.00} in XXXX ( XXXX ), and {$15.00} in XXXX gas station ; and someone tried to empty my banking balance from XXXX for the total amount of {$15000.00}. 
XXXX Credit Card and XXXX XXXX both agreed that fraud occurred on XXXX through no fault of mine. XXXX also frozen my checking account at the first instant of fault, and not a XXXX lost. 
However, Bank of America declined my fraud claim stating that I gave permission for the person to use my credit card. 
I disputed Bank of America 's decision and sent in proofs that my wallet was stolen and all my credit cards/atm cards were stolen ( proofs include a police report, screenshot of text alerts from all of the credit cards/banks, timesheet to prove I was at work ).

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 2020-12-11
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:
i have made several attempts to resolve incorrect items being reported to Experian. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. XXXX XXXX XXXXXXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX 4. XXXX XXXXXXXX

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 2018-03-02
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Upon purchase of our home we were given a 9.53 % interest rate and were not able to maintain our payments. We fell behind around XX/XX/XXXX and applied for a loan modification. We were recently approved for an increased payment and the same 9.53 % interest rate. Shellpoint services the loan on behalf of XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX - XXXX and stated that the investor will not lower my rate and Shellpoint said if I want to keep my home this is what I need to accept

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I have been told by American Express representatives that the dispute is aged and therefore, closed. 

I had to investigate into American Express Chargeback polices myself. For Goods And Services Not Received ( Reason Code 4554 ). 

the date the Card Member expected to receive goods and/or services, or the date the Card Member became aware that the expected goods and/or services would not be provided ( not exceeding five hundred and forty ( 540 ) days from the date American Express Network processed the Transaction ). 


The policy is very clear that I have 120 days FROM THE DATE EXPECTED TO RECEIVE SERVICES, not just from the date of the Transaction. The Merchant has to respond. 

The matter concerned an airline ticket purchased XXXX XX/XX/XXXX, for the flight date XXXX XX/XX/XXXX. Therefore, it is very clear, I had at least 120 days from that date to submit a valid dispute. 


This was a history of mismanagement of my valid dispute by American Express : I have submitted a valid dispute on XXXX XX/XX/XXXX, which was closed within less than 24 hours for the reason that I have not submitted supporting documentation. Again, American Express did not even allow me 24 hours to gather and upload the documentation, and rushed to close the dispute. 

Ref. No. XXXX Dispute Received XX/XX/XXXX The following disputes were rejected, or attempted to be rejected, for invalid reasons ( aged transaction ) or pretence reasons ( customer closed dispute ) or incomprehensible reason that American Express cant locate a transaction so that I had to send back to American Express their own American Express credit card statement. 


Ref. No. XXXX Dispute Received XX/XX/XXXX Ref. No. XXXX Dispute Received XXXX XXXX, XXXX Ref. No. XXXX Dispute Received XXXX XXXX, XXXX I have now evidence of fact and came to a reasonable conclusions about American Express back office disputes : - mismanaged a valid dispute, continuously exercising avoidance and dodging tactics ; cancelled and closed valid dispute at will, on pretence and invalid reasons including, the cases citing the customer request to close the dispute, which was a false representation ( a lie ) because I have never given such request ( s ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: KS
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent XX/XX/2020. The 60 Day demand to comply was sent on XX/XX/2020.

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 2020-05-20
Company: EQUIFAX, INC.
State: CA
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:
information was compromised during the massive 2017 Equifax data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a four theres a lot of suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Reporting company used your report improperly

Complaint:
This is an out of statue account since this was paid so many years ago, and I am not liable for the repayment of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/2020 a 30 day late payment was reported. We had contacted XXXX  XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and XXXX  XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to Equifax on XX/XX/2017 disputing negative items reporting against my credit profile and Equifax has failed to respond to my dispute letter. I received responses from both XXXX and XXXX  but Equifax did n't reply within 30 days or even reply at all and nothing has been removed as a result of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i was a victim of identity theft i have accounts that are on my credit report that was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2017-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Here is a brief summary of what has been going on. Ten years ago, my wife and I applied and got a Home Equity Line of Credit against a Mortgage Free Property. Without any pre-warning or notice of any nature, it ballooned. We continued to receive statements and paid on them for 1 1/2 years. We went to re-finance on another piece of property, only to find out the Equity had ballooned. We have now been trying to get a Loan Modification for 1 1/2 years, either trying to get it rolled into a Conventional Mortgage or some type of Modification. Bank of America keeps on declining our application with the same reason that they can not verify our employment, even though we have supplied them with whatever they have asked for. In the meantime, they have stopped sending us statements, refuse to take money against the loan and are sending our credit rating into the mud! There is a lot more to this. The phone calls, the meetings at the Bank, the many people we have talked to. The amount we are talking about to refinance is {$75000.00} 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
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I RECEIVED YOUR LETTER ABOUTON DATED XX/XX/2021 REGARDING MY RESPOSE. BANK OF AMERICA CLAIMES THAT MATTER IS CLOSED. NO, MATTER IS NOT CLOSED. I NEED MORE TIME TO RESPOSE XXXX 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 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I contacted XXXX XXXX on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, I did not get any help from them.

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 2020-05-20
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/2020 The Consumer Financial Protection Bureaul COMPLAINT OF CHARGING DELIBERATELY EXTRA MORTGATE PAYMENT BY FAY SERVICING XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX ACCOUNT # XXXX Dear Sir, I got a mortgage from XXXX XXXX  XXXX XXXX D/B/A/ XXXX XXXX. and the monthly payment was principal XXXX+ interest XXXX+ escrow XXXX totaling of XXXX. After the loan they forward this loan to FAY SERVICING for collection. Fay servicing charged me correct amount for few months ( copy attached A ), then all of sudden they increase the escrow by XXXX ( copy attached B ) instead of XXXX. I called them and ask the reason and they told me falsely and inaccurately that my real estate taxes went up, that was an inaccurate and false answer. I asked for the escrow statement and again they send me incorrect statement. ( Copy enclosed D ). Attached is my real estate tax bill which shows that my annual real estate tax is only XXXX ( copy attached ( C ) and insurance is XXXX. 
After calling and requesting them for 2 plus month, and after paying them extra payment and not seeing any will to correct it I have no choice but to request your help. 
Enclosed please find my Real EstatXXXX tax bill and escrow statement of Fay Servicing, which shows they charge me real estate tax bill 3 times instead of one time. 
Your help is appreciated Sincerely XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notice of Servicing Transfer with some major errors from XXXX mortgage and LoanCare. XXXX would not take my call and LoanCare can not help until XXXX more days. 

The letter received XX/XX/2019 but dated XX/XX/XXXX from LOANCARE stated that there was going to be a change in my loan number. Letter received XXXX XXXX, 2019 from XXXX did not say anything about a change in loan number. 

The letter from XXXX MORTGAGE did not provide the correct address to send payment. When I finally received the official welcome package from LOAN CARE it specified a different payment address. 

As a result of these errors I sent my ( ON TIME ) payment to LOANCARE with the incorrect loan number and to the incorrect address. The payment was sent online from my banking institution and has already cleared my 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 2021-01-26
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied an increase of credit and Pursuant to 15 USC 1681a I have an open ended credit plan, open ended means that there is NO limit, considering this fact in law there is no way that I can be denied credit because there is NO limit to the credit that I, the consumer, can extended through my open ended credit plan using my credit card which is my social security card. This makes ANY inquiry an ADVERSE, HOSTILE and OPPOSED action under federal law as stated by CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Diversified Consultants has called me non stop everyday and night and they have a collections mark on my credit, they are claiming I owe them an amount of {$420.00} when Ive never done business with them, and have no agreements nor acceptance to any relationships with them. I had the amount of {$420.00} paid off with the original company XXXX XXXX in which they claim I owe. This collections or derogatory mark they have placed on my credit is a false accusation. I will upload receipts to show proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This account was open fraudulently. This account is affecting my credit. Please have this account removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, XXXX, and Experian are reporting incorrect personal information on my credit reports. Previous addresses and current address is wrong. Also, XXXX is reporting incorrect date of birth.

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 2023-01-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Good day, On XX/XX/XXXX, I opened a Wells Fargo credit card and requested a {$5000.00} balance transfer to pay my XXXX card. When I viewed my account on the Wells Fargo ( WF ) web site it showed deducted from my available credit, but never posted and was then added back to my credit line. I called WF on XX/XX/XXXX to ask about the status of the transfer, I was told it was cancelled and needed to be reprocessed and to go online and resubmit the transfer, which I did..On XX/XX/XXXX, I noticed the initial {$5000.00} transfer AND the 2nd transfer for {$5300.00} were both processed on XX/XX/XXXX, resulting in the account going over limit. On XX/XX/XXXX I called WF and was told they couldnt recall the transfer and chase needed to send the funds back. When I reached out to XXXX, they stated they were unable to and that WF needed to submit a good faith request in order to send the funds back. Today, XX/XX/XXXX, I called WF and advised what XXXX instructed and was told they dont do that and that I NEED TO HAVE XXXX  SEND THE FUNDS BACK!!! They did advise they are aware of an issue thats occurring with balances transfers, but apparently arent taking action to mitigate the issue and putting the responsibility on customers to figure out. At this point, I had to request a credit balance refund so I can directly pay WF. In the meantime, my credit score has taken a huge hit due to the over limit status of the account.to assist with fixing this matter, WF needs to issue credit for BOTH balance transfer fees for the inconvenience this has causedalso any over limit fees need to be waivedapparently WF has not learned from the recent enforcement action and $ XXXX fine. I shouldve known better than to open an account with them.

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