BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I have been a BANK OF AMERICA customer for over 10 years and never had any problem till recently when i had lost my card at a XXXX gas station in month of XX/XX/XXXX. This is what happened i went on line on XX/XX/2018 to make a payment on my credit card that was issued by BANK OF AMERICA and noticed many transaction on my statement that was not authorized by me nor anyone i know, i immediately contacted bank of america and notified them about these unauthorized charges and the gentleman that was helping me asked me if i have my card on me and told them let me check and told him i can not find my card i think it is lost. Right after that he told me he is going to block that card and he is going to issue me a new card also told me that i am not going to be responsible for any of these unauthorized charges and we went on list of the transaction that was done fraudulently and they give me a case number and that was the end of conversation. A day later i git an e mail that my new cards on the way and i looked at my  statement and noticed that my account was credited {$1200.00} which that was not the correct amount the correct amount was over {$13000.00}, i immediately contacted bank of america and this time i spoke to a lady that we had to do the same thing go over all the charges and they said that they are sorry and they credited my account for the difference. I assumed everything was final because i never got a fraud package from them but i got an email that said the money was credited to my account they are taking back because there was three charges that i disputed originally and the person was taking the note from me forgot to put those charges in their notes and base on that they are telling me all the other charges are mine. which is the reason i am here to solve this issue because no one needs to go through what i am going through. Please HELP 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
Consumer complaint received 2015-10-26
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Failed to pay service provider. Will not communicate. I am an independent fee appraiser. Nationstar ordered a foreclosure appraisal through the Dept of VA. they will not pay or communicate with me. I have sent several billings, put into collections, requested help from the VA and still have not received payment. Due to not communicating, I am filing a complaint and a congressional inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: Account information incorrect

Complaint:
I have contacted equifax several times to investigate and remove this inaccurate and incomplete information. They have failed to send me proof of how this account is accurate, Due to Equifax not complying with the FCRA I am now seeking statutory damages of $ XXXX {$1000.00} per violation. Equifax is constantly reporting and updating a account that is against the Metro 2 compliance based standard and the FCRA. I will have my lawyer to contact Equifax. I attached a copy showing the inaacurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SERVICE FINANCE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary 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 Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 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 non-monetary relief
Consumer complaint received 2015-10-25
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was virtually stolen from me even though I settled twice for the full amount with the court using a lawful financial settlement. The pretender lender has been trying to get me to contract with their frivolous attempts. Nationstar Mortgage. There is a suit pending which will need to be transferred to the XXXX Court house but waiting for money to come in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was refinanced by XXXX Bank in XXXX. Mortgage was sold to Nationstar. In the original contract it said when my mortgage reach 78 % the PMI would be removed automatically without an appraisal. I have sent them a request of a letter that was given to me from XXXX Bank to follow to at the appropriate time. I have also tried talking to them. All they want me to do is re-fi with them to remove the PMI. I refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and Transunion 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 non-monetary relief
Consumer complaint received 2018-11-04
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written numerous times to Eqifax and I have asked them to verify a Collection on my report, I have written to the Company and tell constantly tell me the debt is mine. Equifax has only written to me telling me, the debt is mine. The debt is not mine and Equifax will not delete this from my report as the other two reporting agencies have. I would like your Organization to look into this from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: AC AutoPay LLC, Denver, CO Branch
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I applied to refinance with auto pay. They sent my application in I signed papers all that. I was told I had time to back out it I wanted to. And I did. I emailed, texted, and called to cancel my application. I spoke to someone on the phone and they told me it would be felt with as well as over email with a different employee. Well the loan went through they paid off my original loan and now Im stuck with this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the collection agency ( Ad Astra Recovery ) several times and they continue to tell me that they can not provide me with proof/paperwork showing my ownership of a debt for {$500.00} with XXXX XXXX taken out in XX/XX/2013. I told them its on my 3 credit reports and is the only negative item. I disputed the {$500.00} several times and still can not get proof of this debt. I was told that they flagged the debt as fraud and to provide a police report then they will investigate. XXXX County refuses to let me file a police report from a debt dispute from XX/XX/2013. I am going in circles and this is my worse nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 in a letter asking them to remove old addresses that I no longer live at them removed some but not all. I also sent in dispute letters asking to remove inaccurate/unapproved items from my credit report they have not responded in the time allotted which is 30 days.

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: 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX 4 . XXXX XXXX XXXX XXXX. 
5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : Original Creditor : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/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 2021-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
This all started back in XX/XX/2020. Capital one and agree to pay XXXX month on the XXXX. On what we agreed on. Capital one is not keeping its word. Capital one is not telling the credit companies that I am paying off debt to them. I want formal complaint against the ceo and the board directors of capital. I want the person or the people handling my complaint fried. For blowing me off for these months. I want it done. I want the payment to come out on the day I said. Not few days after. On the day the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: SC
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 disputed the alleged collection agency XXXX XXXX  on XX/XX/XXXX more than 2 months ago got a response from XXXX that suggested that they didn't do any investigation then I did an online dispute and came back even more convinced they did not investigate the alleged collection account being that the status date didn't change at all which was one of the many flaws found in the inaccurately reported account. 

XXXX and Equifax did not mail me in a report at all and as for the alleged collection agency themselves they failed to send me any proof and if they say they did not know I disputed this debt then that means that XXXX  lied by saying the alleged collection agency verified the debt, how could you verify an account for a dispute you did not know of?

Now here I am complaining to you about this alleged collection account reporting inaccurately.

1.Date of First Major Delinquency Reported is not consistent 2. No Date of Last Activity Disclosed on XXXX  and XXXX how do I know this hasnt been re-aged 3. No original Contract with Third party Clause showing the alleged collection agency as a rightful party to this alleged debt in case of default Sent to me at all If so show the certified mail proof 4. NO 1099 OID -Original Issue Discount sent to me at all If so provide me with certified mail proof 5. Balance owned/ Past Due balance on a collection account 6. Chasing a time barred Debt this debt has been past my states Statue of limitations for about a year now by looking at the alleged date of first major delinquency on this file XX/XX/2016 which is not a full date in itself 7. Account # XXXX  inconsistent I have attached plenty of documents explaining my case, please take this seriously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 some people request quotation XX/XX/XXXX they start with purchase {$52.00} XX/XX/XXXX i shipped all items to them After 25 days they filed a dispute with American Express Merchant Services they debt {$14000.00} and i answered to them they credit the money and one week after they debit again 10 days after the other guy dispute {$38000.00} and answered rquested help to cfpb with number XXXX after some days more they sent me a letter with information about case was close and they will refund the money and sent me checks i deposited and they stop payment and now reopen the case and stop some money from my customers Is very sad after 2 debit and 2 refunds and one letter with close the cases and told me several times i win both cases now reopen stop refund and stop the money from my customers they want what my company go to bankrupt i dont have money for buy parts and resale They have more of {$20000.00} on hold i not owed nothing i sold the parts and delivered with instructions of card holder

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: AppFolio, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
The software, AppFolio used to manage the buildings is now going to start charging a fee to have the owners pay their monthly assessments. This company marketed this as a free service and as soon as I got the majority of my owners to pay through their software they decided to start charging {$2.00} for each ACH transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This is the second time I'm opening a complaint about the same problem, previous complaint XXXX. It has been 2 months since Citibank blocked my account for no reason and returned all my automatic debits and disappeared with a transfer of {$1000.00}. Now I am being charged for the fees and fines caused by an error that the bank has already acknowledged and assumed but which has not yet complied with the agreement. I am contacting the bank but they do not respond to my emails and my account is still negative.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: KY
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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

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 2023-03-30
Company: AMERICAN EXPRESS COMPANY
State: ID
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:
This credit card agency allowed fraudulent purchases consistently. Anywhere between XXXX XXXX purchases to hundreds of dollars. As well as when the card is frozen. On top of that there a fees from those fraudulent charges. They refuse to resolve those and add fees on top of them. These charges go through even when the card is frozen so it leads me to believe that this agency is working directly with the people getting in my card or pushing those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CITIBANK, N.A.
State: NJ
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:
Someone got a hold of our SS #... They applied to three banks. 
On or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX -- reported to me by XXXX and XXXX XXXX denied XXXX XXXX - reported to me by XXXX and XXXXXXXX XXXX denied CITI BANK.. as reported to me by XXXX ... and Card was approved and sent to my home. 

During this process, we put a FREEZE with all three credit agencies. 
CITI Bank had probably approved card before the FREEZE took effect. 
I called CITI bank to cancel the card... on Friday XX/XX/XXXX, the day I received the card. 

CITI bank had some information about the people who applied. 
Different email address, different phone numbers... that do NOT apply to 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