BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 the XXXX XXXX XXXX  to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2018-09-11
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
-On XX/XX/2017 I purchased a home and got a conventional loan for {$420000.00} at XXXX apr under the promise of receiving {$10000.00} overfunding cash from XXXX XXXX XXXX XXXX XXXX after closing I agreed but after numerous attempts to collect I received a payments for {$1500.00} on XX/XX/XXXX, another {$300.00} on XXXX and continuous promises of payments since that date. 

XXXX kept telling me he had a few issues but they would soon get resolved but week after week nothing got done. 

He told me it would have been wise to refinance at current rate after 6 months to lower my interest and therefore reduce my monthly payment and he would have paid me out the balance when he sold my loan. 
On XX/XX/2017 I refinance and lower my rate to XXXX % but no money has been paid even after weekly messages back and forth. 

I need help collecting my balance of {$8900.00} from the money he took, interest free without my permission, that is a theft and shows very poor character for a men in his position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with Bank of America. I keep it low. I recently received my security deposit ( to me and my fiance name ) and deposited on my account. The next day, the check was fully deposited on my checking so I made two payments ( XX/XX/XXXX ) from my credit cards of {$350.00} each. The next day, the check is cancelled because it is at both names and the account only my name ( we don't have joined account ), without any notice to me and then the two payments makes my account under {$0.00} so I get a notification of being charged two times {$35.00} by BoA ( and also {$35.00} by the two credit cards for returned payment ). 
I am not happy with BoA since 1 ) they didn't tell me anything about the check being cancelled ( I got a mail on XX/XX/XXXX ) and 2 ) they confimed the deposit and then cancelled 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 monetary relief
Consumer complaint received 2015-07-28
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX is listed as a prior address on my credit report. I have previously submitted that I have never lived at the aforementioned address and would like for it to be removed from my credit report. I used to be a XXXX and many of the offenders I supervised lived in this area. It is of concern to me that someone may have tried to use my information at some point. ( Too bad for them that my credit was n't good! )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have had on several occasions noticed accounts appearing on my credit file over the last 5 years an many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never appeared on my file as they are fraudulent and misleading about my credit worthiness.

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 2020-11-13
Company: Millco Management
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed my Conns account in XX/XX/2020 and now Conns is reporting late payments to XXXX for XX/XX/2020 as 30 days late and XXXX late 90 days on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have called multiple times and sent Conns support thru XXXX the documentation since this started in XXXX. I have also disputed the late payments with XXXX and XXXX with no resolution. Conn 's is validating the debt and this is incorrect since I paid and closed the account in XXXX of 2020. I have never been late on this account. Also, filed a complaint with the XXXX and they commented I would be contacted but never was and when I checked Conns support thru XXXX the complaint was closed as resolved. XX/XX/2020 I called conns again and finally got to speak to a manger only to be told I have several tickets open on this compliant and I need to re-submit the reports from the XXXX and XXXX. So I would start the processes again it is now going on 4 months and my credit score has dropped, and a home loan has fell through because of this. It causing a lot of suffering because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: OH
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:
I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.

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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.

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 2018-09-11
Company: EQUIFAX, INC.
State: OH
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:
I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: PA
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:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On today, XXXX, I attempted to access SunTrust Online Cash Manager in preparation of remitting {$5600.00} rent payment and payroll for my XXXX employees due on this week XXXX. I noticed that I was not able to access Online Banking, despite the fact that I changed my password on several occasions, this prompted me to move forward with calling Customer Service. I was then advised that my account was closed without any notice. I have rent and payroll due this week and they will not give me access to my funds, funds in the amount of {$170000.00}. I have called several times on today without any remedy from SunTrust and have went to the bank 's Branch as well and they were not able to assist me by releasing my company 's funds.

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 2020-08-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am struggling with XXXX XXXX XXXX XXXX XXXX XXXX. They put me onto the lease monthly payment deferment program without my explicit permission. Since I opened a new lease account in XX/XX/XXXX, I have never been late to the monthly payment ( not even a single time ). I do not want to be a part of the deferment program. I do not ( and can not ) know what benefits XXXX receives from local/federal programs at this moment by putting their customers onto that deferment payment program ; however, I do not want to be on that deferment program. Since XXXX reported falsely my account status to the credit bureau I am now having a hard time getting a refinancing. Ive contacted XXXX regarding this very issue multiple times via calls/emails/XXXX  Support teams, and they are not willing to correct their clear mistake putting my lease account onto the deferment program without my clear permission. This ill practice must be stopped. Again, I have never been late in making monthly payments and I did clearly ask XXXX to delist my account from the deferment program. XXXX has refused to correct their mistakes. They placed my lease account onto the deferment program in XX/XX/XXXX, and I contacted them in XX/XX/XXXX to fix that. I contacted them back in XXXX and again XXXX to correct it. It is still remained unchanged. I have spent more than 30 hours to resolve this issue with XXXX in a reasonable manner ; however, XXXX keeps repeating the same nonsense. It is a really frustrating and horrible time-consuming experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX knowingly Booked & Charged {$90.00} for Hotels in XXXX During COVID 19 Shutdown in XX/XX/2020 when Borders are Closed & Bank of America Reversed & Recharged on XX/XX/2020 to my Credit Card -- -- XXXX. Its a Faudulant Charge when Borders are Closed & Travels is Prohibited for US CITIZENs to 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 2016-10-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previously deleted student loans that were at a XXXX balance have had the original balance added back to them and reinserted into my credit report. This erroneous error has negatively affected my credit score and student loan balance. 
Account Type Previous Balance New Balance Reported By XXXX XXXX {$2500.00} {$2500.00} ( - {$25.00} ) XXXX XXXX XXXX {$3100.00} {$3100.00} ( - {$31.00} ) XXXX DEPT OF ED/XXXX XXXX {$0.00} {$1100.00} ( + {$1100.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$6500.00} ( + {$6500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$3500.00} ( + {$3500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$2500.00} ( + {$2500.00} ) Equifax XXXX XXXX {$3100.00} {$3100.00} ( + {$31.00} ) Equifax XXXX XXXX {$2500.00} {$2500.00} ( + {$25.00} ) Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Made payment on my credit card. Barclays Bank web site shows payment posted today, XX/XX/2018. Tried to use my card. Denied twice. Viewing the Barclays Card Hawaiian Airlines Mastercard website the summary of my account (  screenshot enclosed below ) shows Credit Line {$500.00}, Current Balance {$120.00}, Available Credit {$0.00}. The amounts Credit Line less Current Balance NEVER equal Available Credit. There is NO explanation on the website why the math is inaccurate. Called customer service at XXXX XXXX HST and spoke with Barclays Card Hawaiian Airlines Mastercard Representative XXXX. XXXX told me that even when funds are received by Barclays Bank they may take up to two business days for funds to be avaiable as Available Credit in the account. Multiplied across the millions of Barclay 's Bank Hawaiian Airlines Mastercard clients this 'holding ' or 'float ' represents  millions of dollars of customer 's money received by Barclays Bank XXXX and held by Barclays Bank XXXX If this practice is not ILLEGAL it should be. In our current day of electronic transfer there is no excuse to hold customers money. Highly unethical and fraudulent. Do investigate this practice which has been going on for 3 years with my account ( and very likely all Barclay Bank accounts ).

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 2020-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  XXXX  institution did fraud and identity deft on my name. And possibly shared with that XXXX and unknowing experian, XXXX, XXXX. This four XXXX companies are holding my information without my consent.

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 2019-09-06
Company: EQUIFAX, INC.
State: NJ
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 had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as XXXX, XXXX  and Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In XX/XX/XXXX I applied for a credit card at a local veterinary hospital. I was denied. I received a letter from the inquiring bank telling me why I was turned down. 
Reasons given by bank from information from Trans Union : - Serious delq and public record or collection filed - Too few accounts rated current - % of balances to high credit on revolving accts - Number of accounts delinquent - Credit score : XXXX From XXXX XXXX : - Credit card use High - Payment History Stellar - Derogatory Remarks XXXX Bankruptcy - Credit age I am a veteran - Total Accounts Solid number of accounts - Credit score : XXXX There is a discrepancy between the two reports and I would like to know why. 

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