BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account has only my XXXX XXXX deposits. My account was frozen by the Bank of America, as my daughter told me, for XXXX days. I did nothing wrong. The Bank of America did not contact me. I did not even know that my account was frozen I went to the grocery store to buy food and my card was rejected in front of everyone. I could not buy food to eat. 
I am almost XXXX XXXX XXXX, and this is wrong what the Bank of America did to me. Why did you freeze my account? Will you do it again? My XXXX is barely enough for me to live on, and I could not buy food. I am nervous and afraid to have this happen again. Why did you freeze my account? 

Please answer 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice of the collections account from the credit reporting agencies. I have made multiple attempts to rectify the situation and have learned that the hospital involved never attempted to seek payment through all my available insurances at the time resulting in this debt. I stated since the proper billing channels were not used this should not be my debt.

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 2023-01-30
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Equifax, and XXXX refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
This account has been open fraudulently. Im victim of identity theft. This account is affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent all the paperwork that the credit bureaus ask me to send them to have the accounts remove from my credit that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I sent a letter to XXXX/CBNA to dispute acct # XXXX via certified mail on XX/XX/XXXX in regards to inaccuracy on my credit report. [ I owe {$450.00} as well as reporting delinquencies of 30 days late XXXX. I dispute the validity of the debt purport I owe.XXXX/CBNA provide an application, without a date that clearly states naps date XX/XX/XXXX XXXX XXXX  is this where they get their customer information from but if this is XXXX/CBNA proof wheres the contract to the application agreement, are all the purchase receipt they are electronic that add up to {$450.00} worth of purchases, canceled checks, late payment checks, itemized bill does not constitute verification. Then I sent another letter on XX/XX/XXXX 31 days later certified mail signed on XX/XX/XXXX informing XXXX/CBNA that upon checking my credit report XXXX/CBNA did not place a " NOTICE OF DISPUTE '' by the federal law within 30 days. You are required by the federal law to place a NOTICE OF DISPUTE when you signed on XX/XX/XXXX certified mail within the 30-day timeframe required, The Fair Reporting Act Section 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15U.S.C.1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to the consumer reporting agency is disputed. XXXX/CBNA has since marked report but they are still in violation when you report to all bureau you must notice of dispute to all bureau not to your favorite one ... ... .all three. Duty to provide " NOTICE OF DISPUTE '' by federal law my law XXXX/CBNA MUST REMOVE / DELETE THE ITEM OFF CREDIT REPORT. PLEASE ENFORCE THE COMPANY TO ABIDE BY THE LAW AT HAND THE VIOLATED.

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 2023-01-29
Company: EQUIFAX, INC.
State: NC
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was looking to get a quote but when I gave them my name and address they started a application without my permission. I contacted them soon as I got the email from them stating they were starting a application. I told them their ad was misleading and I didn't want to apply for a loan with them. They contacted me right away and said they would cancel the application. That wasXXXXXXXX2020 then today I got a copy of the credit report they ran on me. I didn't give them permission to do so. The company is AmeriSave Mortgage Company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX submitting you this CFPB Complaint today to request to once more to remove the fraudulent accounts and information being reported on my Credit File. I greatly appreciated your time and effort to remove a portion of the fraudulent accounts and information off of my Credit File, however, I still see that a lot of the fraudulent items are still being reported on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. As I have complained before, I was a victim of identity theft and I never authorized anyone to use my personal information to open and use any of these accounts. Under the Fair Credit Reporting Act section 605b, I am requesting you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2100.00} XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Also, you have failed to send me copies of proof of verification or any documents for you to continue reporting the disputed items. If you believe that the disputed items belong under my name, I request of you to please send me any documents supporting your claims. In the absence of such documents, immediate deletion of the disputed items will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
They have not removed the disputed balance from my account they have tons of evidence to support the claim. Im not suppose to be charged anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has placed account into collection with 4 different collections agencies. Each time we dispute the debt they do not reply within the 30 day timeframe and sell the debt to a different collection agency. They are reporting negative information on my credit report and have no right to do so, since they are in violation of the FDCA and FCRA. We have Cert RRR confirmation for each time we disputed the debt with each credit reporting agency.

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 2018-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX I pulled my bureau report and found that Portfolio Recovery XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if XXXXRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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:
XX/XX/2022, I sent all 3 credit bureaus certified XXXX dispute letters with court documentation showing the inaccuracy that is being reported. Gratefully, XXXX noticed the inaccuracy, then permanently deleted the account. In midXXXX 2022, I handwritten a letter to XXXX XXXX XXXX, confused and unaware of the reporting amount, not owning the debt but asking for documentation that supports their collection amount to verify and as of XX/XX/XXXX, I have not received a letter nor a word of communication. 

Thankfully, I made a copy of that letter and sent it in with my second round of certified dispute letters that Equifax received along with the court documentation on XX/XX/2022. Today, noticing the investigation was completed, I then called Equifax to find out the results and they stated it had somehow been verified. I asked XXXX, who is an Equifax employee, to see if they received my documentation that supports my reason of inaccuracy and they first stated no, after many times of going back and forth, XXXX then placed me on hold several times to then have found all documentation, making sure to tell me what the amount shows on my proof of documentation, however, still not being enough to support the inaccuracy that I am requesting and for me to contact the creditor ( collection agency ) to have it removed since they are the ones that do that, which I was not able to get any feedback from. Im very confident the results I was given with the investigation from Equifax, are violating the FCRA law and would be fully grateful for a deep dive investigation of why my Equifax and XXXX are showing inaccuracy. I look forward to making sure all information on my credit report is accurate and accordingly as possible, thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from XXXX stating that my loans were being transferred to FedLoan Servicing because I qualified for PSLF. On XXXX XXXX I received a letter from FedLoan stating that my previous employment had been approved and that I was in a qualifying repayment plan. I was told they would track how many remaining payments I had to satisfy the 120 payments needed for forgiveness. After my account continuously said 0 qualifying payments, I contacted FedLoans to inquire. The customer service representative stated that I had made several late payments outside of the 15 day grace period. I told her this was inaccurate because I had always been on automatic deductions since I started repayment of my federal loans. I was told in XXXX XXXX that it would take 90 days for the information from XXXX to be in their system. After speaking with them on XXXX XXXX, XXXX I was told that they would have to re review it and it would be another 60 days. The customer service rep said that she was not qualified to review my file. This contradicts what I was told in XXXX XXXX when I was told that everything was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or around the end of XX/XX/2018 I received a letter from my county ( XXXX XXXX XXXX, FL ) exempting me from all ad valorem property taxes because I am a totally and XXXX XXXXXXXX veteran. I forwarded that letter to Freedom Mortgage, my mortgage company, with a request that they re-compute my monthly payment and my escrow account balance requirement based on the fact that I will have no ad valorem taxes due for 2018 ( only the county non-ad valorem assessments shown on the tax bill from last year will be due ). I spoke to Freedom Mortgage today, XX/XX/XXXX, and they claimed that they had reached out to my county to get a revised tax bill for 2018, but were told the 2018 tax bills would not be available until XXXX or XXXX. Understandably, the county does not revise their property tax bills every time they provide a letter to a veteran for exemption. They calculate the bill annually, for everyone. Freedom Mortgage did not have a 2018 tax bill when they computed my payment and escrow requirements for this year. They calculated that amount based on last year 's tax bill ( and insurance bill ). They claim that they will not recompute my payment or escrow account requirement until they receive the actual tax bill for 2018, and will require me to keep paying the full amount to them although they know this will create a significant over-payment to my escrow account. I feel that this is deceptive and is discriminatory ( only XXXX and senior citizens receive this type of tax exemption ). As a veteran living on a fixed income, their decision to continue to charge me for taxes that they know will not be due will hurt me and my family ( a difference of over {$7000.00} ). I request that the CFPB look into this and see if anything can be done to get them to do the right thing and change their discriminatory practices.

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 2023-06-19
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, I used my card to make 2 online purchases, pay for a XXXX XXXX appointment that I have paid on multiple occasions, grocery purchase and tried another online purchase. The last online purchase was declined and I received a text message to validate the transaction. I did with the code supposedly successfully. 
I was declined getting cash later that day. 
I attempted to call the fraud department and the call was cancelled stating a bank holiday. No 24 hr help was available. 
Over XXXX was available in the account and they froze my husbands card as well. 
The in-person transactions were in our local town.

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 2021-09-01
Company: Experian Information Solutions Inc.
State: VA
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:
Experian has had my credit report locked since XX/XX/XXXX. I have called several times including XX/XX/XXXX. The representative told me that someone else name was attached to my credit profile and I needed to send my SS Card, ID, and proof of address via email. I sent that XX/XX/XXXX. I still haven't seen any progress so I called back XX/XX/XXXX and was given the run around I spoke to 5 different people.

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 2018-07-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
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:
One Main Financial has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. the dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called One Main Financial and got nothing more than a run-a-round by their customer service representatives on multiple call by myself to them. That is the reason I am making this complaint.

Company response to consumer: Closed with explanation