BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
BOA lack of due diligence to consummate a foreclosure in a timely manner on a property that has been vacate for 6 years. As a result this prolonged process is impeding my ability to progress in life and purchase a new home. The property has been vacant for 6 years and neither borrower has contested or taken steps to keep the home. BOA filed a judicial foreclosure in which the process is longer. A non judicial foreclosure would have settle this matter sooner when the initial foreclosure was filed in XX/XX/XXXX. 

XX/XX/XXXX - Last mortgage pymt made. 
XX/XX/XXXX - Separated from co-borrower, moved from the property and notified Bank Of America the property was vacant. 
XX/XX/XXXX - Foreclosure letter received from Bank of America XX/XX/XXXX - BOA substitution of deed request for foreclosure proceedings XX/XX/XXXX - File for divorce XX/XX/XXXX - Divorce finalized XXXX XXXX I filed chXXXX bankruptcy which included BOA XX/XX/XXXX - chXXXX discharge XX/XX/XXXX - Quit Claim deed file on property XXXX XXXX notice of default filed XX/XX/XXXX - Consent order of Judgement XX/XX/XXXX - Judgement for a Judicial foreclosure XX/XX/XXXX - No further actions have been taken and the foreclosure has not been consummated.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: KY
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 these accounts several times through Experian and directly to each furnisher. Some items were modified to report correct information, most were not. I mailed a method of verification to Experian for the remaining inaccurate accounts. No response after 30 days. I gave more than the 15 day allotted time.

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 2022-10-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: AMERICAN EXPRESS COMPANY
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
I received an American Express gift card for {$50.00} on XXXX XX/XX/2021. I used the card to purchase {$25.00} in gas on XXXX XX/XX/2021. On XXXX XXXX I went to the same gas station using the same process to purchase another {$25.00} in gas. The clerk informed me that the transaction was refused because I didn't have sufficient balance for the {$25.00}. I requested {$20.00} in fuel instead of the {$25.00}, so there should be {$5.00} remaining balance. I looked up the account online on XXXX XX/XX/2021 and the balance shows a negative {$20.00}, as all three transactions are showing completed ; {$25.00}, {$25.00} and {$20.00}. This seems highly unlikely as I only received {$45.00} in benefits and American Express would go out of business if their systems allowed negative balances on prepaid gift cards. I called into the Amex call center and spoke with two different agents, both of whom told me that all three transactions were good and that there was no way to dispute the {$25.00} charge. In my view, Amex is doing everything they can to make it difficult to receive the full value of prepaid gift cards. This is known as " breakage '' and it appears the systems are designed to maximize the breakage at the expense of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Credit Karma, LLC
State: MN
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:
I try to sign up for an account with sites like credit karma, XXXX XXXX, etc. To check my credit score, but everytime the same thing happens with all of them. There's a problem using my SSN to sign up. I haven't signed up to check my score before, and I called the Social Security office, and there is nothing wrong with my SSN. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday I get calls from Portfolio Recovery about a credit card account that was closed in 2011. Their claim of owed money and the account information therein, doesn't show at all on my credit reports. I have received calls from XXXX, XXXX, XXXX XXXX XXXX usually 2-3x a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: CA
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 noticed that Equifax is reporting one inaccurate negative item in my account from XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX  , two inaccurate negatives from XXXX  XXXX, and two inaccurate negatives from XXXX XXXX XXXX All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Specialized Loan Servicing Holdings LLC
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My husband stole my identity after we married, as the trustee of my Trust and began taking out mortgages and HELOC 's against the equity in my Trust. His best friend ( XXXX XXXX ) owned his own XXXX, XXXX XXXX XXXX and so he processed the loans and then my husband used an escrow officer ( XXXX XXXX ) at XXXX XXXX XXXX to have us sign quit claim deeds to move the money in and out of my Trust. I was an XXXX  on a XXXX XXXX and so I was afraid to challenge or report my husband for fear of XXXX. He continued to XXXX and XXXX XXXX XXXX and take out hundreds of thousands of dollars from my Trust. Twenty years ago, identity theft and mortgage and title fraud was something that I was not familiar with, and as my husband I " trusted '' him, yet I was also fearful and scared of any retaliation if I did not submit to him. He refinanced my Trust in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX to the tune of approximately 1 million dollars. At no time did I ever initiate contact with XXXX XXXX, XXXX XXXX, nor initiate any Real Estate transactions. He was never the Trustee nor a beneficiary to my or my mother 's Trust. My sister sued me in XXXX for the Conversion of my mom 's Trust ( which is stacked on top of mine ) and at that time I became fully educated as to the extent of his criminal behaviors. He has refused to cooperate however with the civil and divorce courts. XXXX XXXX, Special Master has perjured himself in the divorce courts. Judge XXXX XXXX has silenced my testimony and evidence. His lawyer XXXX XXXX XXXX has submitted false statements to the court. I have filed for identity theft with the FTC, IRS, FBI, the AG office, Organized Crime of XXXX Police, SSA and the DHS. My husband fraudulently brought me from XXXX on a Petition for an Alien Relative and instead of supporting me, he has stolen hundreds of thousands through mortgage and title fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I disputed this account with all three CRAs multiple times but all of them just came back with no changes and saying resolved.Capital one bank is reporting a balance/past due that is also reported by XXXX XXXX that bought the the account. Only the owner of the account can report the balance/past due. per the law if a creditor sells the account they must report a XXXX balance as the law requires accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Their investigation did not fix an error on your report

Complaint:
To Whom it may concern, I received copies of what appear to be front pages of a XXXX  XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX XXXX  per statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX  since XXXX. I Moved to XXXX  in late XX/XX/XXXX staying with a friend in XXXX XXXX  and moving to my own place in XXXX XXXX in which I lived until I moved to XXXX XXXX  XX/XX/XXXX for work and presently live here in XXXX XXXX  as of today. My 1st time visiting XXXX  since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX  for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have an XXXX store line of credit ( via synchrony ) and wanted to transfer the balance to a new card I just opened with my credit union. 

They said they do not allow them. 

" XXXX XXXX : AgentXXXX XXXX : We do apologize, unfortunately we currently do not offer balance transfers between credit cards. I regret the inconvenience. '' So basically they are not accepting a check that was already sent to them by my credit union, and keeping me locked in to a higher interest rate. I think that is criminal/highly unethical. My credit union tried to send them money but they rejected it. How is that okay?

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 2020-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7900.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud report.

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 2018-01-31
Company: CARD Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
They have charged me twice for my insurance. I paid on XX/XX/XXXX for XXXX.. Then my card people did a charge back on XX/XX/XXXX that brought me to a negative XXXX.. I got my payroll check XX/XX/XXXX.. XXXX put me back in negative XX/XX/XXXX so I couldn't pay my bill so I deposit {$140.00} so my gym membership of XXXX could come out, so it left XXXX in my account.. I talked to my insurance company and they didn't get the money.. And I sure didn't authorize that transaction..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a collections hit on my credit report but never received written notice of the collection. I mailed a check to the claimant that is using the collection company back in XXXX and never heard back.

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 2020-11-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax did not respond within 45 days This puts them in a direct violation of the FCRA : Failing to respond to your written disputes within 30 days ( a 15 day extension was granted because of Corona ) FCRA Section 611 Part ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
OnXX/XX/XXXX, I applied for a XXXX Capital One student card and was approved. I applied for the card to help improve my credit. I received he card around the middle on XXXX (  later to find out it was about XX/XX/XXXX. ) I used the card for several transactions during the holidays. I logged on online to the account about 2 weeks after getting the card. I had a few issues with the one navigation using my phone and then forgot about the card. 

About XXXX I got really sick and had the XXXX followed by XXXX XXXX. Today, XX/XX/XXXX I was going through my bills and making sure everything is paid and realized, Ive never gotten a bill or anything for my new credit card, not even a phone call. 

I checked my credit report and to my shock see that they reported me as late and over the limit. This dropped my credit score by almost 100 points. The point of the card was to help my credit. I had intended to pay half my balance as soon as I got my bill. 

I called Capital One, they said they do not send bills or reminders or make calls if youre late. I was very surprised and sad to hear this. I asked if they could do anything to help my credit and they said no, sorry but its your fault. I wanted to make a payment and have the late payment removed and asked about a credit increase so it didnt affect my credit negatively and again was told there is nothing they can do but give me a onetime credit for the late fee. I think this is unfair business tactics and is not right. 

I had the card about 5 days when the first bill was issued. I honestly thought the bill would come in XXXX with a grace period to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It is my understanding that it is illegal park ie claiming an old debt as new. Per the fair credit reporting act. 
This is what occurred. The original date of the debt was XX/XX/XXXX - There was an attempt to collect the debt on XX/XX/XXXX. The debt was then sold not sure of the date. Sold to Debt Recovery solutions LLC. At this time they sent a notice XX/XX/XXXX. 
They also claimed it as a new debt on my credit report. The notice had a discounted payment of {$760.00} in which I paid. My complaint is for the re aging of the debt, which altered my credit scores by a very large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Experian Information Solutions Inc.
State: GA
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:
Hello All, Experian Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/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 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Hard inquiry. Never was there- fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My XXXX XXXX XXXX was purchased with XXXX miles. All the service has been completed on the vehicle up to XXXX miles where the vehicle just stopped and no service engine lights appeared. The motor is completed done with no more life. Capital One will not assist with current outstanding loan left on the vehicle of {$7600.00}, nor will XXXX XXXX  XXXX or XXXX XXXX XXXX. They told me it was a XXXX  but with less than XXXX miles this vehicle should have plenty of life left. Now I am stuck with a loan and no car. I need help very seriously. This vehicle should be bought back by the original company that made the motor or I should have some assistance with the company buy a refurbished motor at their cost for only XXXX miles driven and regular maintenance. Please help, Im at a loss for words at how this can happen in today 's world of long running vehicles.

Company response to consumer: Closed with explanation