BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
I attached a copy of the letter for the complaint since it was already typed up. 
Bank of America sold the mortgage to XXXX and charged off the HELOC. Therefore, Bank of America should have reported both in 2014. How can Bank of America and XXXX report the very same account of {$52000.00} to the credit bureau? It shows as two different loans in the amount of {$52000.00} but it is one and the same account that two different companies are claiming.

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 2018-08-14
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Capital Accounts called me to attempt to collect a debt ( medical ) in the amount of {$930.00} on Friday, XX/XX/2018.I explained to the debt collector that I will speak to the creditor directly, because I have enough evidence to support my case to ensure I do not owe this amount. Furthermore, she should cease/ stop calling me because she should contact who she purchased this account from. I would be disputing this matter immediately with their office. She decided to follow up with an email which i disregarded and spoke directly with the Creditor and scheduled an appointment. Today, XX/XX/2018 I receive another call from Capital Accounts from the same individual who says she will not honor my cease communication request because it wasn't done in writing. Additionally, with a very condescending tone she asked why hasn't the creditor ( Capital Account 's Client ) hasn't reached out to them. I told her I would not know and I wanted her to stop calling me immediately. I feel that this company is not following FDCPA regulations and is not investigating debt matters the way other debt collection agency/firms tend to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Monday XXXX XXXX I checked my credit reports and saw a new collections account was placed on my reports. XXXX XXXX fraudulently placed this account on my reports and they admitted they did when I called them on this same day at XXXX XXXX XXXX XXXX. 

I first talked to a customer service rep about the issue and asked him why they never sent me a bill/notice to give me a 30 day chance to either pay or dispute the bill. He said he did n't know and that they just barely got the account and that it takes them 30 days to reach out to the customer. I went on to ask him what address they had on file for me and he gave me the right address so I told him there would have been no problem with me receiving such notice. He went on to tell me that sometimes there are rare glitches and they put accounts on the customers credit reports before telling them that they owe a debt. He also went on to be a smart XXXX and say that I could n't prove that they never sent me a notice. Which tells you they are guilty! UNACCEPTABLE! 

I asked the guy to get me a XXXX and thats when a XXXX got on the phone with me. I again went over the issue with XXXX and asked him why they never sent me a bill/notice about this account so that I could take care of it before they put it on my reports. He did not have an answer for me. However he did say that he would remove them off of my reports and then we made an agreement that once it was gone from my reports I would pay this bill off so it would n't be on my reports and affect my credit. 

They are violating the FDCPA and also HIPPA. They never gave me a chance to pay/dispute. I never signed any authorization release forms for my medical information to be shared with a 3rd party. This is a medical bill from 2012 that I do n't recall but I am not trying to dispute it I am more than willing to pay it as I told the Commonwealth employees I have been cleaning my credit and trying to buy a house so I would have definitely taken care of this account before resulting in them reporting to the credit bureaus. 

I am very upset over there actions and I gave them a second call on Thursday XXXX XXXX at XXXX XXXX XXXX XXXX. I again spoke with the XXXX XXXX and he reassured me that he would be removing this account from my credit reports. All of this should be on tapes as they say that all calls are recorded. That would be proof of them being in violation and agreeing to remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: VA
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:
XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX, XXXX, Transunion, XXXX XXXX  and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from Total Visa and First Access and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.

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 2020-12-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX, I opened up a checking and savings account at Wells Fargo. I also got a secured credit card of {$500.00}. The Wells Fargo representative told me that he was trying to help me build my credit score and if I paid on time my account will be reviewed every XXXX months and my balance would be increased. They never reported my payments over a five-year period and which according to Wells Fargo I was late three times by XXXX hours over a 5 years period. I repeatedly requested assistance and answers as to why I was not having my limit increased as I met all the requirements that was presented to me by the representative with no resolve. I finally closed the account XX/XX/XXXX. The representative and Wells Fargo simply lied and did nothing but take my money little by little with unjustified fees. They literally just took advantage of me at a time I was trying to better my life.

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 2020-10-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is in reference to Fifth Third Bank and their remitting payments to our homeowner 's insurance company ( XXXX XXXX ) from our escrow account. 

My husband and I closed on our house on XX/XX/20. We identified XXXX XXXX as our homeowner 's insurance and set up automatic payments from our account prior to closing. 

After closing, our mortgage was sold to Fifth Third Bank. On XX/XX/20 Fifth Third Bank communicated with Traveler 's and discontinued our automatic payments. They requested a direct bill. My assumption is so that they could pay XXXX XXXX from our escrow account. We were not notified of this change. 

On XX/XX/20 I was notified by XXXX XXXX that my policy was pending cancellation due to non-payment. I called XXXX XXXX to understand and was informed of the above. While I was on the call with XXXX XXXX, they called Fifth Third Bank who promised to remit a payment. 

One week later, approximately XX/XX/20, I checked my XXXX XXXX   account, still not paid. My husband called XXXX XXXX again. Again, while he was on the phone, XXXX XXXX  called Fifth Third Bank who promised to remit a payment. At this time, Fifth Third Bank admitted that they had been confused about the amount to pay but promised to remit the payment. 

On XX/XX/20 the bill still was not paid. My husband called XXXX XXXX  again, who again called Fifth Third Bank. At this point our insurance was scheduled to be cancelled on XX/XX/20. Fifth Third Bank promised to send payment and assured him that it would be posted by XX/XX/20. 

On XX/XX/20 the payment was still not reflected in our Traveler 's account. I called XXXX XXXX to see if there was a delay and they still had not received it. Fifth Third Bank informed us that they had sent an overnight payment to XXXX XXXX on XX/XX/20. Traveler 's agreed to suspend our billing so that the insurance was not cancelled and felt confident that they would receive the payment by XX/XX/20. They set our billing to resume on XX/XX/20, meaning if payment was not received by then, our account would be canceled. 

As of XX/XX/20 the account is still not paid. At this point my husband and I will likely pay the bill out of pocket so that we do not have any interruption in our insurance. I ave never dealt with such an inept company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-16
Company: Experian Information Solutions Inc.
State: OK
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:
XX/XX/XXXX Experian inexplicably deleted my XXXX account from my Experian XXXX. 
XX/XX/XXXX Experian inexplicably deleted/disconnected my bank account from my Experian XXXX. 
XX/XX/XXXX Experian continued to advise me that action was needed by me to reconnect my bank account to Experian XXXX. 
I have contacted my bank numerous times about this problem to no avail. They tell me there is nothing they can do on their end. It is all on the Experian end. 
Recently in or around XX/XX/XXXX I discovered Experian had magically " Reconnected '' my bank account to Experian XXXX. Unfortunately, they continue to fail and refuse to " find '' my XXXX account. Experian XXXX does not allow me to automatically reconnect my XXXX account. 
I have had this XXXX phone and auto pay in good standing since XX/XX/XXXX. Experian used to have a hard inquiry on my credit file showing when XXXX signed me up for the current phone and plan that I am on. 
I have tried numerous times to get Experian to reinstate my XXXX account on Experian XXXX to no avail. At least I was finally successful in getting them to reinstate my bank account. 
I want Experian XXXX to show my XXXX account and boost my Experian XXXX XXXX XXXX appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
There are two ( 2 ) accounts showing on my XXXX account. 

- Synchrony XXXX XXXX XXXX ) - Synchrony XXXX XXXX XXXX XXXX Synchrony XXXX converted my account to Synchrony XXXX a few years ago. There is only one ( 1 ) account but XXXX is showing two ( 2 ) separate accounts - with duplicate information.

I've attempted on several occasions to dispute this error without success. 

I spoke w/SH on XXXX XXXX to lodge a complaint. I spoke with a representative ( XXXX with ID # 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear Credit Bureau and CFPB ; Hopefully, you can help me out. Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: OLD NATIONAL BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Old National charges predatory and outrageous overdraft fees and yet claims to be " the ethical bank '' They have charged me over a XXXX {$38.00} dollar overdraft fees even though they know I am low income. They should refund at least half of them. They won't. I've talked to them. They condescend to me and act as if I am unintelligent. They are NOT ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: KEYCORP
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: Personal information incorrect

Complaint:
Keybank put an incorrect address in my XXXX report. My address is XXXX XXXX XXXX XXXX NY XXXX. Keybank put an additional entry that says XXXX XXXX XXXX XXXX XXXX NY. This is an error that a rep put in. The address in XXXX XXXX does not exist. Keybank won't correct and I asked XXXX to put a notation in my file which they did not do. Keybank claims they verified the XXXX XXXX address. I never submitted or showed a document that I lived at XXXX XXXX XXXX XXXX XXXX. Since no document exists Keybank ins in violation of the Patriot Act and I would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Halsted Financial Services, LLC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two unsolicited text messages from Halsted Financial Services ( HFS ), both purporting to collect a debt due by me to XXXX XXXX XXXX XXXX. I have never owed a debt to XXXX XXXX XXXX, although I hold two deposit accounts there. The first such text message was on XX/XX/2022 and represented that I could save up to {$530.00} in up to 18 payments. The second text message was on XX/XX/2022 and did not contain an amount but requested that I contact XXXX. Both referenced XXXX XXXX XXXX  and both stated that they were attempts to collect a debt. 

It is not clear to me whether the text messages represent phishing attempts or actual ( if inaccurate ) attempts to collect a debt that I do not owe. I have requested via the HFS that it authenticate the debt and that it cease and desist from contacting me.

Company response to consumer: Closed with explanation