BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: United Credit and Collections Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a written request to XXXX XXXX at : UNITED CREDIT & COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. 

UNITED CREDIT & COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX ( XXXX ) XXXX United Credit & Collecti Opened XX/XX/2013 {$1300.00} Original creditor : XXXX XXXX XXXX   After UNITED CREDIT & COLLECTIONS did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX and XXXXXXXX removed the info from my CBR permanently. XXXX removed the info then added it back to my CBR after a couple months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America routinely manipulates the timing of debits and credits in our account so that checks we write clear just before direct deposits are credited to our account. This happens on the date of our monthly payday regularly. Nearly every month, we are charged an insufficient funds fee no matter how closely we manage purchases and checks written. 

I notice that Bank of America offers no way to make a complaint in writing when one attempts to register one online. One must first attempt to resolve the issue via phone. Among other things, this means there is no opportunity to establish a written record of the complaint. 

I seek the refund of insufficient funds fees that have been assessed on numerous occasions entirely because of the bank 's bad faith 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 monetary relief
Consumer complaint received 2018-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I spoke with a Bank of America representative on XX/XX/2018, I was informed I was vip customer, the automated system kept transferring me to the fraud then the loss prevention department and then to the account closure department, i rejected and decided to speak with customer service. While I was speaking with customer service I was informed that My account would need to be handled by the fraud department. I spoke with fraud who informed me that I had reported my card lost or stolen, I replied I did not. She reviewed the profile and stated I would need to speak with the card closure department, so I did. The lady asked me to go to a bank a physical bank and withdraw my money because BankofAmerica does not need to give reasons for closing accounts. I asked if this was because of the complaints I had submitted or because I requested reasnoable accommodation through the american with disabilities act?  The lady over the phone responded that Bank of America does not need to give reasons and kept reading the disclosure. I went to a bank all drive thru tellers are closed. I called again a rude representative stated this is the card closure department I do not need to be polite and you account will be closing on XX/XX/XXXX. I asked for a check in the mail she said she could not and then disconnected the call. Please help me bank of america will not allow me to retrieve my money back. I hope this is not because of the elections!!!

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 2018-11-04
Company: EQUIFAX, INC.
State: NV
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:
On today XX/XX/2018 i discovered that a previous fraud account that was labeled incorrectly reported and etc. was reinserted into my credit profile on XX/XX/2018. This same item, was deleted on XX/XX/2018 but before deletion, Equifax would unlawfully allow the creditor to damage my credit profile for a very long time by allowing the creditor to add and change unverifiable payment history, unverifiable amounts, unverifiable open/close dates, and unverifiable proof of ownership. I've had long stressful periods dealing with both Equifax and this fraudulent account. 

Accounting back to the deletion, the law clearly states it is a requirement that consumers be notified within 5 days of reinsertion of any previous deleted items. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX CREDIT CARD, against my wishes fraudulently placed their credit card on my XXXX and TransUnion credit reports. This new tradeline with such a small limit adversely affected my credit score. I have demanded that XXXX XXXX close the account, which they have, however, it remains incorrectly reported as open on my credit reports.

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: IL
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 contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity theft report XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : XXXX/XXXX account XXXX. I have even sent copies from XXXX & XXXX   showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX Credit card was closed for years, I went to purchase an item and the cashier said I could use it, even though she never said it was closed. So I charged the item and then paid for it but got charged a late fee and interested. I called the company, they said IF the card wasn't closed, they would have been able to wave the fee, but since its a closed account, they could NOT wave the fee. That made no sense to me! If I was able to use the card, that the cashier was able to charge something to that card, then why would they NOT be able to go in and wave the fee? 
Now I paid that fee but keep getting more bills with more fees. So now I am out {$25.00} and now the current charge is {$25.00}. This is adding up to be more then the item I originally purchased. 
So I am looking for a reimbursement of the original fee I paid, it can be in a check or even a store credit. But if I don't pay this next bill I could be sent to collections and I don't want to hurt my credit score any more then I already have with the fees on this card! 
Spoke with first XXXX XXXX then XXXX then Supervisor XXXX XXXX of Fees X 3 of {$25.00} each = {$75.00} XXXX and XXXX and XX/XX/2018 statements Also spoke with XXXX at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
XXXX student loans They still have acount of all Three credit reporting companies Acount students loans XXXX student loan Or XXXX XXXX XXXX Or loans have been pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I started receiving calls from Ad Astra on XX/XX/2018. My cell phone logged 17 calls and 3 letters. I spoke to them and wrote to them explaining I am on XXXX which makes my income exempt from collections. The company that sold them the debt knew that and they should go after them for selling them an uncollectible debt. They then placed it on my credit report in XXXX and so far haven't removed it after I asked them to. I have no assets that they can seize so they are wasting their time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Experian Information Solutions Inc.
State: MD
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 need all other addresses removed of my file. Witch they are not deliverable mail addresses. According to the law they must be removed. The only address that should be reporting is the one on my driver 's license that's attached.

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 2017-07-05
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX agreed to remove their account off my Experian timeline. At this time XXXX is still reporting derogatory information on my Experian 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 explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was banking with citi bank for over 17 years ... I recieved a settlement from the 9/11 compensation fund ... I gave them a copy of the award letter they also filed out the ach payment form, before I received the money ... they said I got the money thru fraud, which I didn't do, I have my award letter which I gave them..now they said I have to wait 90 days..I don't have no money or food to feed my daughter..what they doing is not right..I think I'm being XXXX profile

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 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have disputed this account several times with TransUnion, this item is past the statute of limitations and shouldn't even be listed nor was my dispute ever read or addressed per TransUnion response. TransUnion is the only agency listing this past the statute item. 

I'm requesting some help as there are so many inaccurate information. Date paid XX/XX/XXXX, but past due remarks after date paid. I'm requesting this be removed at once. XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX, XXXX XX/XX/XXXX date paid, please see attached as TransUnion never read or addressed several disputes to their 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 2017-07-06
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear CFPB, I am writing to you because im trying to purchase my home, its been such a nightmare dealing with Altisource/XXXX  because they are the listing agent, escrow office and the title company.
After my offer was accepted as being financed, i received a call from my agent telling me that a representative from Altisource/XXXX  ( XXXX XXXX ) called to let her knowthat my offer will be cancel because the purchase was not Cash.
So i called back XXXX and she never answer my calls, i requested for a manager and i spoke to XXXX XXXX who told me that it is not on the best interest of the seller to sell the home to me.
So i was so confused since her response did n't make any sense. i told XXXX XXXX that my offer since day 1 was a financed offer and it was not fair that after i had paid for home inspections and a home appraisals. Altisource/XXXX decided to cancel on me because it was not on the best interest to sell me the house.
Now as of today 3 weeks later i got a call from my loan officer telling me that another mortgage company called him asking to provide a copy of my appraisal that i paid for because the property is being sold to another buyer who is purchasing the house FHA.
I believe this is not right, i feel that Altisource/XXXX is discriminating me since they are trying to cancel my offer to give it another buyer after we had a signed contract showing that my offer was accepted as financed offer.
Please help this is not right for me and my family.
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 explanation
Consumer complaint received 2018-06-27
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 had a collection with XXXX XXXX which was paid they agreed to remove it from all three bureau, and it was removed but on XX/XX/2018 it was placed back on my credit file with Equifax, dropping my score 88 point, saying it was reported corrected by XXXX XXXX, ( per XXXX XXXX ) which XXXX collections stating that they have not reporting anything on me to no bureau concerning this account because this account is closed and no longer been collected on.. Equifax is reporting inacurute information on consumer credit report and not willing to fix the problem with your score plunged with a significant amount of points been lost on your credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Kuber Financial, LLC
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: Account status incorrect

Complaint:
Ive contacted XXXX XXXX in regard my loan status and why payment hasnt posted. Ive checked my bank account and XXXX payment to cover XX/XX/XXXX didnt go through for unknown reasons. I received a notification from my credit report that a new account has been added to my credit file and posted as delinquent. So you know, my bank account hasnt changed and like I stated before, reasons why payment didnt go through are unknown to me. Please correct problem and update my account with credit reporting agencies because you're hurting my credit and score. That payment shouldve been deducted automatically from bank and it wasnt. 

I've also contacted XXXX XXXX several time after that first issue and payment has been set up for deduction, only never leaves my account. I guess there's an exiting problem with my account from XXXX XXXX 's end that prevents me from making payments or for them to take them out. 

Attached all communication about problem and how many times I tried to make payemnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX, XX/XX/2018 XX/XX/2018

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 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
ON XX/XX/XXXX at XXXX I contacted Capital One in regards to a balance if {$470.00} reporting on my XXXX , XXXX , and XXXX credit files, but my balance is {$350.00}. I spoke with a Representative Name : XXXX employee #  XXXX who stated I have to wait 30 days after I put my request in writing. I explained to her this is in accurate balance and its a violation of the FCRA to not update correct information referring to my account information. Also when I opened my Capital one Acct XX/XX/XXXX I was told after 5 months of on time payments I will get a credit increase. that did not happen I didn't get an increase until XX/XX/XXXX. I feel this company fail to be in compliance of what they write in fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, opened account and funded the account from an external account totaling over {$50000.00}. On XX/XX/2018, I logged into my online banking to see a very small notice that my account was on hold and that I should contact bank. I contacted bank on XX/XX/2018, and spoke to a representative who informed me that two transfers had been reversed. Transfer dates were on XX/XX/2018 and XX/XX/2018. Funds were transferred back to the account in which the initial account funding took place on XX/XX/2018. During the call on XX/XX/2018, I informed rep that the transfer reversals need to be cancelled immediately as the funds were no longer being held in the external account, and that this would result in returned item fees and NSF fees at the bank the funds were already transfer to, had cleared, and been made available to me. The representative refused to cancel the transfer reversals and advised that no one at the Bank would be able to do anything about this problem. This is problematic because I received NO notification that the transfers were being reversed and have now been charged with the fees at the external institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CITIBANK, N.A.
State: NY
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:
For the past 2 weeks I have been unable to use my Citibank Double rewards credit card. They only have 1 verification method and sadly other creditors have 3 or more ways achieveing verification. I have spoken 2 3 XXXX customer service reps including their fraud department. They have taken my account and blocked access for a 2week or longer investigation.

The dumb part is i can access the account via my mobile phone and citi app. However theres nothing that their customer service or fraud department " claims to be doing ''. It is gwtting to a point that im going to cut the card in half and need a credit card with american speaking customer reps that can tell a difference between fraud and a person purchasing breakfast and the prior charges in the account are from the same retailer..Ive been kind but if this doesnt resolve soon. I will rescind further payments and see if i can sue for the account mistakes. I was repeatedly asked by citibank reps if i had a checkings account with them and i dont, and never did. I only had a credit card and dont understand citibanks major malfunction ...

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 2017-06-16
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
I contacted this agency on  XX/XX/XXXX   . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX   Who is currently my finance company and always have been since  XX/XX/XXXX ! I attached copies of my   XXXX   XXXX   documents!  Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander  consumer is fraudulent!! They are keeping me and my children from home ownership!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: National Business Factors
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
opened on XX/XX/XXXX. account was paid in full ( {$200.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

Company response to consumer: Closed with explanation