BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have contacted Bank of America multiple times that I need an explanation in writing why they have shut my LOC down .. I have never been notified in mail why they have terminated the line of credit .. I have been making monthly regular payments. I emailed and sent requests for them to contact me and never received any reply.

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 2021-09-16
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Their response is 30 days late, and I have not received a response yet. Please remove these items from my credit report that were originally disputed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: NV
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:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   EQUIFAX MTG, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: CT
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX made a hard inquires on my credit report XX/XX/XXXX and XX/XX/XXXX I made several calls and emails and The supervisor agreed after verifying my accurate information and police reports that the inquiries was not truly me and agreed to remove all the hard inquires from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I'm typically approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I reached out to the FTC and to my local police department. I need these items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX/XXXX XXXX. I am doing all of this on my own.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of a XXXX XXXX XXXXXXXX data breach. My information was compromised and sold through the dark web. XXXX, Experian and XXXX do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for XXXX and Experian, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.

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 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX OWN credit reporting policy of older than 2 years from initial delinquency it should have been deleted.

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 2017-11-01
Company: WELLS FARGO & COMPANY
State: VA
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:
Wells Fargo Bank, N.A. Attorney XXXX XXXX XXXX continues to block my lawful remedy for settling a debt by using a PROMISSORY NOTE/NEGOTIABLE BANKERS ACCEPTANCE. Attorney XXXX has mischaracterizing the instruments for solely being a " Private Registered Bond For Setoff '' or a medallion guaranty and claims that the instruments are unmeritorious and I am acting out of bad faith which I object to. 

What Attorney XXXX fails to realize is that Congress passed a public law on June 5,6 1933 which states that : ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy. ( See exhibit B ) A promissory note is equivalent to money pursuant to U.S.C. Banks and Banking Title 12 Section ( l ) ( 1 ) ( See exhibit C Banks and Banking law regarding a  promissory note ) Attorney XXXX is violating 73d Congress Sess. I. CHS 48,49, June 5,6, 1933 House Joint Resolution public law 73-10, because she can not reject another form of currency that is equivalent to money from an obligor who decides to settle a transaction other than using Federal Reserve Notes. 

Furthermore, the accounts ending in XXXX and XXXX was settled inside of a Wells Fargo branch in XXXX XXXX, Virginia by relationship banker XXXX XXXX XXXX XXXX in XXXX of XXXX. 

Attorney XXXX has copies of the Promissory Note/Negotiable Bankers Acceptance and a copy of a Wells Fargo Bank letter from the branch manager XXXX XXXX XXXX evidencing the settlement performance. 

Moreover, this lawful remedy to settle a debt is not based on money mechanics, the U.S. in bankruptcy or being taken off the gold standard or a sovereign movement nonsense. I just happen to conduct extensive research on the laws and connected the dots. I am not trying to be disrespectful but Attorney XXXX appears to be ignorant of House Joint Resolution public law 73-10 or simply may be in  dishonor.

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 2019-08-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2019, I surprise received a credit card from Lowe 's provided by Synchrony but I didn't register anything.

In XX/XX/2019. I received a bill from them for the amount of over 600 . I make a claim and check with Synchrony that is not by my SSN In XX/XX/2019. I continue received a bill from them for the amount over 800 . I countinue to claim with Synchrony bank.

In XX/XX/2019. I received the " denied letter " from Synchrony for my claim.

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 2019-04-09
Company: Social Finance, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I called SoFi and asked for paper statements as I was losing internet and computer. They said they only issued paper statements. I asked for a copy of that policy. They refused. I asked who governs their banking practices, they refused to tell me. I wanted to know if it was the Office of the Comptroller of Currency or the Federal Reserve. They said they are a private lender. So I learned they are governed by the Consumer Financial Protection Bureau, but they refused to tell me that information. They DO NOT have a license to operate in the State of Wisconsin, I live in Wisconsin. I asked for her last name, she refused. I asked for her supervisor, she refused. I asked for a copy of our conversation, she refused. I asked for a monthly statement to keep track of my balance, she refused. I asked for a copy of our loan agreement, she refused. I asked for my interest rate and when my loan would be paid off, she refused.As I am XXXX years old, with serious XXXX and health and XXXX  problems and lots of other issues, this is very stressful. Can you help? All I want are things in writing from this company and monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions 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:
The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX Bank Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX   Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : The XXXX XXXX Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX Bank Account # : XXXX Balance : {$260.00} XXXX Account : XXXX Account # : XXXX Account : XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX Account # : XXXX Balance : {$750.00} ( Limit ) Opened : 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 2020-11-09
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm requesting that this collection be removed from the credit report. My credit limit was {$300.00} and I settled to pay XXXX. I attached my supportive documents. 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 2019-04-29
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my credit report today XX/XX/19 and I have a hard inquiry from a company by the name of SYNCB. I didnt apply for any card. Called company got the run around. I need to call XXXX XXXX, XXXX XXXX. They tell me I have to get ahold of SYNCB.

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 2019-04-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Citi/AAdvantage Platinum XXXX XXXX XXXX XXXX for almost 6 years, always paying before the due date and always paying in full. 

On XX/XX/2019, I logged into my Citibank online account to check some stuff over there and I noticed that it said that my credit card account has been closed. So I called Citibank to let them know that neither me nor any authorized user had requested to close the account. It was then that Citibank informed me that the bank has decided to close my account " due to my history '' ( again I always paid the full balance on time ), without providing any further information. I called many times, many numbers, and even contact them on XXXX and the only thing they could tell me is that I have to send a letter to a Citibank XXXX XXXX in XXXX XXXX, SD and wait for a letter back that could take up to 30 days. There is no phone number or email to contact this secretive Citibank department in XXXX XXXX, SD that unilaterally decided to close my credit card account without giving any previous notice. 

I am currently travelling and Citibank have put me in a very delicate situation with the action that they have taken. 

I never thought that in a country like the United States of America a company that it is supposed to be serious would do something without proper notice or the possibility to talk to someone right away to solve any issues, rather than having to send a letter as if we were living in the 19th Century.

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 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Failed to show new payments and that account is fully paid 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 explanation
Consumer complaint received 2019-09-19
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2019 Resurgent Capital ServicesXXXX XXXX confirmed their understanding that I wished them to cease communication with me and to immediately stop emailing me at my share work email address where other people have access to my emails. I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. For a very brief time after they responded to my complaint acknowledging my request to discontinue communication, all correspondence stopped. A short time after, the aggressive emails began again on XX/XX/2019. Resurgent Capital Services/XXXX XXXX has made a conscious decision to ignore my request and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties. Emails come in every week. Im requesting escalation of my complaint to the FTC. Previously, Resurgent Capital ServicesXXXX XXXX falsified their contact records in order to claim no wrongdoing on their part. I have attached evidence of their continued contact and FDCPA violations. I am confident that a review by the FTC will show that Resurgent Capital ServicesXXXX XXXX has been dishonest and continues to break the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment was due XX/XX/2019. I paid on XX/XX/2019 well before midnight EST. And I was charged {$38.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX  are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
I received an email from Experian based on the outcome of CFPB complaint XXXX that I could view my credit report online. Upon visiting the website and entering in the details requested, I am unable to view my credit report online.

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 2019-08-07
Company: Insight Management Partners, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
2 months ago I contacted this company to try to work out a payment plan with ( insight management ) that owned a XXXX credit card that was apparently mine from XXXX. They contacted my mother twice leaving voicemails, so I contacted them to try to pay them {$50.00} per month on a balance of what was said to be $ 2k. They refused my payment and said we would rather sue you then take your payment and when we do we will sue for $ 10k, so I told them okay I would see them in court. Fast forward to today XX/XX/XXXX they called my brother in law to try to reach me ( call is logged ) and gave him all of my personal information. They told him I owed XXXX furniture and even told him the FULL balance. This is illegal and my brother in law even told the person that they are not allowed to be telling him this. He is willing to testify if I need him for this. I called them an hour later and all they had to say was uh we are very sorry. You are sorry that you broke the law and this company should be took care of or freshened up on laws that they are suppose to know such as the debt collections practice act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2019 I MOBILE DEPOSITED a check written to me and my wife from XXXX XXXX XXXX XXXX XXXX XXXX for $ XXXXI was the sole endorser. Six months later Bank of America reversed the deposit stating that the check was deposited twice. After hours of research and multiple phone calls someone from B of A told me that a guy named XXXX XXXX successfully deposited that check on XXXX XXXX ( SIX MONTHS LATER! ). I informed B OF A that the check was likely stolen from my home ( we had three different housecleaning companies working in our home at the time ) I filed a police report and an arrest warrant has been issued. Despite being a customer for nearly thirty years, B OF A has repeatedly denied my request to redeposit the funds.They refused to provide me a copy of the redeposited check and failed to give an explanation how the check could have been cashed six months after I deposited it to my account to a person who was not me and in the absence of endorsement by both my wife and me.Once this gets resolved I will close my B OF A account XXXX XXXX XXXX MD

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 2019-08-07
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sometime around XX/XX/XXXX 2017 I XXXX my XXXX XXXX. I went to urgent care, and received a medical bill from XXXX XXXX XXXX XXXX XXXX totaling {$1100.00}. During the time, I went through financial hardships, and I didn't receive enough information to confirm that I had the debt under my name until it showed up as a derogatory mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief