BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, {$570.00} was taken out of my account by fraud. On XX/XX/XXXX, I filed a claim with Bank of America, only to be denied TWICE because a couple of the transactions were done by pin, totaling {$70.00}. That left the other {$500.00} unaccounted for, but nonetheless they urged me to re-open the case, knowing that they would keep denying it for the same reason. I lost my card twice during that time period, so those cards are still out there somewhere floating around. Also, if you actually pay attention to the charges, it's impossible that I did all of that in one day. There are charges on the same day that include a restaurant in FLORIDA, and a liquor store in VIRGINIA. When pointing this out to them, they agreed that it didn't make sense, but still didn't hesitate to deny my claim. They keep telling me to re-open the claim, but that's completely pointless considering I don't have any new information for them, and they will keep denying it in regardless of what I say because of the pin transaction. This has been going on since XXXX, and it has cause so many financial issues for me because of not being able to pay my bills on time, resulting in late fees. In hindsight I've lost way more than {$570.00} because of this long process.

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 2018-04-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
filed a dispute on XX/XX/18 about a charge I was declining because the service was not done. I informed Wells Fargo I did not want to pay the vendor but they will not refund my money. XXXX corporate sent me to another dealership since XXXX would no longer service my vehicle. The 2nd dealership found the problem and repaired it at no cost since the car is under warranty.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-08-04
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: Was not notified of investigation status or results

Complaint:
have not received credit report within the 30 days. 
will you please help me with this and make them send them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, 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 have contacted this company a number of times regarding these unauthorized hard inquiries. They are not willing to help and have not yet removed them or sent me proof about what happen or why they are there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}, Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX  : XXXX XXXXXXXX XXXX VA XXXX, Bankruptcy : XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX bankruptcy XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX : XXXX Bankruptcy XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2020-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Portfolio Recovery Associates is still reporting these 4 accounts to XXXX, XXXX  and XXXX, I have asked them many times that I want them to provide me with the original contracts for these accounts as proof that these debts belong to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contracts to the court. If they want we can do it that way. Delete the 4 accounts from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the accounts must be deleted from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I confirmed to make a new business PayPal account rather than using my personal account because i was confusing my transactions and not able to keep track of them. After a few days I begun receiving funds for my sales and sending invoices to some of my buyers, one is currently on a payment plan while the other paid in full. The transaction that was paid in full was around XXXX for a signed item. I added a tracking number for the product and the person who paid for it received it in the mail accordingly. The money was still on hold after a long time so I decided to enter more of my information into PayPal website to get my account a faster money transfer because its a high amount to have on hold. After adding my information into PayPal they said it would be under review after more than a week I hadnt heard back and emailed them. They said they would take a bit longer to confirm, later finally my account gets confirmed but then says theyve decided to permanently ban me for suspicious activity when I only have 3 transactions on my new business account with all the information needed and provided. They are holding more than XXXX of my money and I need to access this and be able to continue my business. Its a new account so I dont understand how theres been suspicious activity or breach of contract. I spoke to a PayPal representative and they said sometimes PayPal makes an error when banning accounts and I should call legal department but they did not answer or acknowledge my concerns. They can not provide proof of anything suspicious or illegal ive done because there IS nothing Ive done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Navient Solutions, LLC.
State: AL
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:
Ive repeatedly disputed with XXXX  and XXXX  my late payments reported on credit report from navient. I supplied documents proving the late payments were jot late just deferred but neither will change my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2020, my student loan servicer notified me that payments for my loan were temporarily suspended due to legislative action effective XX/XX/2020. The servicer collected payment from my bank account on XX/XX/2020 after the effective date of payment submission but, before they notified me that payment was not required. On XX/XX/2020, I requested by electronic message on their website that they refund the {$450.00} payment that they collected on XX/XX/2020. They did not respond to this request. I made a second request for refund on XX/XX/2020 by written letter. The servicer responded on XX/XX/2020 with a form letter denying my " credit dispute. '' I did not make a credit dispute but, I assume the servicer 's intent was to deny the refund that I requested in my letter of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, Ive a=contacted experian on multiple time about the inaccurate of my credit report. 
I even screen shot the information on my credit report and compared it to the other credit bureau and ofcourse there are multiple inaccuracy and voilatiopns.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old information on my credit report XXXX XXXXXXXX is still report is supposed to be removed this XXXX it is still appearing on my report. Same iss for XXXX XXXX XXXX XXXX it still shows on my credit 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 non-monetary relief
Consumer complaint received 2019-02-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX that I was approved for a Loan Modification and that my principal, interest and escrow would be {$1100.00} commencing XX/XX/XXXX. The loan was bought out on XX/XX/XXXX and OCWEN took over the loan. 

On XX/XX/XXXX OCWEN sent a statement stating my interest rate was going from 2.7 % to 4.75 % and my new loan payment would be {$3500.00}. Then my XX/XX/XXXX OCWEN statement stated I had a past due payment of {$100000.00} and my interest rate is now 5.375 %. 

When I asked OCWEN why the increase, I was told I had an interest only loan and that my loan amount should have changed on XX/XX/XXXX and I am now being charged for past due charges of principal and interest for the last 4 years 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Seterus, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of default from Seterus, Inc. To cure the default, I paid what I owed for XX/XX/XXXX and XX/XX/XXXX and made sure the payment was delivered on XX/XX/XXXX by COB. The notice of default said to pay w/a cashier 's check or money order ; I used a cashier 's check. It said to mail the payment and gave an address, which is the address I used. I sent the payment via USPS. I have a receipt showing that payment was delivered on XX/XX/XXXX. I have the tracking number for the payment as well as a screen shot of the USPS web page that says the payment was signed for on XX/XX/XXXX before COB. And yet, Seterus shows my payment as received on XX/XX/XXXX, which would mean Seterus thinks I did not cure my default. I called and talked to a Seterus employee who verified that payment was received and signed for on XX/XX/XXXX before COB. 

I need Seterus to correct the record immediately. I have not attached any documentation, as Seterus either has it already or has access to it.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: OR
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-20
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy : XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX  bankruptcy discharged XXXX on XX/XX/XXXX Reference number : XXXX Court : U.S. Bankruptcy Court, XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1000.00}

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 2017-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In 2014 Bank of America inexplicably shut all my bank accounts along with some longstanding credit cards. No reason was provided and no appeals process made available to me. I was at a complete loss and had to scramble to open new accounts, causing me to miss credit card payments and severely harming my credit score. I was not aware of the CFPB so i did n't file anything back then. A week and a half ago i tried opening a new account with BofA but got a response that " based on our records we 're unable to open new deposit products or services '' for me. I thus turn to the Consumer Protection Bureau to get some answers ( which BofA has refused heretofore to supply ). Tnx

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 2021-01-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX  i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation