BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
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:
After 2 previous attempts and two copy paste and generalised responses, CFPB has failed to look into the methods used to verify incorrect information- Equifax is reporting incorrect information and is not showing how they verify that information when challenged to do so. Both Equifax and CFPB are failing to conduct satisfactory investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
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: Card was charged for something you did not purchase with the card

Complaint:
I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES ABOUT THESE FRAUD CHARGES ON MY ACCOUNT BACK WHEN I SAW THEM ON MY STATEMENTS AND THEY DID NOTHING FOR ME.. I HAVE BEEN RECENTLY CONTACTING BANK OF AMERICA FRAUD DEPT AND SPOKE TO SEVERAL REPS AND THEY ARE NOW TELLING ME I CANT REPORT FRAUD BECAUSE THEY ARE TOO OLD BUT I REPORTED THE CHARGES WHEN THEY FIRST WERE PUT ON MY CARD AND THEY DID NOTHING.. SO NOW I AM FILING AGAINST BANK OF AMERICA ... I WILL LIST THE CHARGES FOR YOU TO SEE.. 
XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX THE CHARGES WERE PUT ON A OLD CARD ENDING IN XXXX MY NEW CARD # XXXX PLEASE HELP ME GET MY MONEY BACK. BANK OF AMERICA SHOULD BACK ME AS A CLIENT AND THEY DID NOT.. THIS IS SENIOR CITIZEN ABUSE .. I NEVER DID BUSINESS WITH ANY OF THESE COMPANIES AT ALL, I NEVER AUTHORIZED THESE TRANSACTIONS AT ALL.. 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 2017-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened my account ending in # # # in XXXX and this card with BOA has been my longest line of credit. I have been diligent in payments and have several other accounts with BOA. 
XXXX XXXX XXXX I legally changed my name and requested BOA change my name on my accounts and re-send me new credit cards reflecting this. I received my debit card and other credit card with the new name on it, but this credit card was re-sent with my old name still on it. I requested a second one be mailed with the corrected name. Again, it came in the mail with the incorrect name on it. 
XXXX XXXX I had closed my account with XXXX XXXX and they had a standing balance of - {$84.00}. They provided me a refund of that amount on XXXX/XXXX/XXXX which was deposited into my bank account on XXXX/XXXX/XXXX. XXXX then incorrectly had that I owed them {$84.00} even though my account should have been closed and {$0.00} at this point. They INCORRECTLY sent me to collections. 
XXXX XXXX BOA sent me a check for {$1.00} because I had over-paid my credit card balance and this was to put me at {$0.00} for this account. 
On XXXX XXXX I received a letter from BOA stating that they CLOSED this account citing a collection account appearing on my credit file. There was no warning or route to dispute this claim. 
I attempted to dispute this with the BOA employee XXXX in XXXX in which he pointed me to check my credit. I then contacted XXXX, disputed the collection account on my credit and cleared that issue up ( See XXXX 's letter and XXXX 's letter stating this dispute had been resolved attached ). 
I then worked with another BOA employee- XXXX XXXX on XXXX/XXXX/XXXX to request that this credit line be reopened due to the fraud/disputed claim being taken care of. I received attached letter from BOA stating that " we were unable to approve your request to reopen the above referenced account because the terms for this account are no longer available ''. 
I submitted on XXXX/XXXX/XXXX that this be reviewed and reversed due to XXXX and BOA 's error and not my own fault. CASE ID XXXX. 
1. This account was closed in error 2. The issues cited as to why it was closed were in error and have been handled and fixed to the best of my knowledge.
3. This was my longest line of credit that is being affected and as a long standing customer and on-time payer- this has taken time and effort to fix something that was not my fault.

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 2021-02-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX i sent in letters regarding inaccurate reporting false items on my credit report and i have not recieved a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX says they represent XXXX XXXX XXXX for bill collection. XXXX says their bill has XXXX balance. If your client has XXXX balance since XX/XX/17 and XXXX insists they are representing client, why are they pursuing 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 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2019 Isubmitted supporting documentation to Transunion including DL, Ssn number and police report for the identity theft of XXXX XXXX XXXX reporting I owe {$3000.00} for a lease that was not obtained through me. They claim I signed a second lease through an email with XXXX. My email and password and social security number were found in the dark Web this is Identify theft, XXXX  and XXXX has already removed this from my reports weeks ago. I'm requested that Transunion do the same, they are saying that they have not received my documents I've sent them out twice!!!

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 2019-03-01
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
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:
In XX/XX/2018 I received a notice of and inquiry from XXXX   XXXX  XXXX. I contacted them right away and they communicated to me I was People 's United Bank who submitted the request. They advise me to go into the branch and disputed with them. Which I did. Per Peoples United Bank staff my credit was not ran by them. I never give any permission or authorization to any staff or People 's United Bank to run my credit for a Mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent this information to Trans Union I have asked them to update there files according to the document however it is still reporting on my credit file. I do n't want a dispute opened I just want the account removed please

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 2019-11-15
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is reporting old inquires on my credit from 2016. There are also collection accounts that I do not recognize.

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 2020-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have asked the lender to provide clarification for the balance discrepancies and then asked for further clarification on the Payoff statement. 

The amounts just seem high and there is no breakdown of what the balance pertains to.. 

Please see attached Payoff Statement, which is inaccurate and have not received a response from the lender for the wrongful fees/charges added to this. 

Please advise..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Fraudulent charges in the amounts of, {$800.00} approximate total Refer to BofA claim # XXXX Posted to my account EDD prepaid debit card. I immediately notified Bank of America so that they could close the account to prevent further charges and so they could research and refund the funds. I answered all questions the representative asked during the conversation. I was told it would take 10 business days to resolve. As I didnt hear anything after 10 days I called for status. I was told that the research had been completed and it was found that the pin was present for the fraudulent transactions. As such, they could not prove it was fraud and the funds would not be returned to me. I reiterated that I did not make the charges, nor had I been in the city ( XXXX, CA ) where it occurred in years as it is XXXX hours away from my residence. They held firm that I would not be receiving the funds back. 
A pin and card number can be stolen at an ATM using a skimmer. Im sure there are other ways as well. Claim # XXXX. Can you please assist us in having the bank do research at the same level they would if this was not a prepaid card and they had something to lose as well? {$800.00} loss is devastating for me as I am on XXXX and am now struggling to make ends meet because of some fraudster and a bank that wont help me because its government prepaid money and no loss to them.

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 2018-09-28
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I fell behind on my mortgage payments when the father of my XXXX children left us. I was left to pay my mortgage and bills but with just my income alone was unaffordable. When I finally landed a well-paying job, Fay servicing approved me for a modification with trial payments of {$1800.00} but they were also requesting {$58000.00} as a " grace payment '' due 3 weeks before the first trial payment. I simply could not afford such a large payment within 4 weeks. I asked around for loans, but I was turned down because my credit  reflected that I was delinquent on my mortgage, so I asked Fay Servicing if I was eligible for a short sale. Meanwhile I sought out a broker, my home was placed for auction for XX/XX/2018. I was so distraught I filed an emergency Ch.XXXX prose bankruptcy on XX/XX/2018. I had never filed nor had money to pay a lawyer, but I was assured at the time of filing that my bankruptcy forms were correct and accepted and I was given a Notice of Filing Form to send to my debtors. I had it faxed over to Fay Servicing and the foreclosing attorney the next morning. A third party of mine called and confirmed they received my paper work but on XX/XX/2018, I had a notice on my door stating that my home sold and to call the number on the notice! I called, no one answered so I left a voicemail for them to call me back. I called Fay servicing right after to ask what was going on. I was assured by a Mrs. XXXX from the bankruptcy department at Fay Servicing that no foreclosure was held due to the bankruptcy. I asked about the short sale option and was advised by XXXX XXXX at Fay Servicing in order to be reviewed for short sale eligibility, I had to renew my homeowner insurance policy. I went XXXX to take care of it right away and faxed over the insurance policy on XX/XX/2018. On XX/XX/18 I spoke to XXXX  ID # : XXXX confirmed that the insurance policy was received, and he also assured me that my FORECLOSURE WAS SUSPENDED. I faxed over the RMA packet XX/XX/2018 and I called to let Fay Servicing know I sent it. When I called for an update on XX/XX/2018, I was told my house did sell XX/XX/2018 so I called the foreclosing attorney, and it was confirmed that the sale did go through XX/XX/2018! I asked how was it possible if I was protected with the automatic stay due to the bankruptcy and automatic stay generally goes into effect when the case is filed. If you filed a prior bankruptcy case that was pending in the one year period before the present case, the automatic stay will last only 30 days unless you ask the court to extend it. I had NEVER filed before so why did they approve the sale? Now I am being told that I do not qualify for anything anymore. Please help me! To this complaint I have attached all the supporting documents. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I started a dispute with Equifax ( Case # XXXX and XXXX ) for the removal of a XXXX XXXX from my credit report based upon it does n't comply with the new XXXX XXXX  reporting standards which went into law onXX/XX/XXXX. According to the new rules : Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

The tax lien in dispute was filed on XX/XX/XXXX by the State of Georgia in the amount of {$4000.00} in the XXXX XXXX XXXX XXXX XXXX Georgia. I have provided a copy of this lien to Equifax identifying that it does n't contain the correct information to be reported on my credit report. The document fails to list my complete social security number and date of birth, which according to there above new rules requires the lien removed from my credit report. On a side note the lien has been released and is no longer in effect. I have successfully had this item removed my XXXX and XXXX based on these new rules. 

I have spent hours on the phone with Equifax and have had Equifax representatives tell me that the document does n't provide the correct information but they are unable to remove the item unless initiate a dispute to which I respond that I have already filed two disputes and then they respond with I have to file another dispute. Thank for your time by looking in to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
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: Investigation took more than 30 days

Complaint:
I am attaching a letter that my husband and I sent to Equifax and XXXX   on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to Equifax and XXXX  a couple weeks ago, and those letters have also been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I've received letters from XXXX XXXX, Bank of America, and XXXX  XXXX  XXXX  stating I was denied a credit line, but I did not authorize this. XXXX and Bank of America were hard inquiries on my credit. I've filed an identity Theft Report. I also had a false phone number and address under my name. I had to put a freeze, and fraud alert on my credit.

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 2018-05-11
Company: Conn's, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I initially went in for the loan on the products I was told that I was in a non interest-bearing loan and I purchased 3 items from Conn Corporation. And they did not have one of the products in stock that I ordered so I had to come back and get the product and once I came back to get the product they said they had to redo the contract and by doing so they said that it added an interest to the loan which I initially signed for a non interest-bearing loan so my products went from XXXX to XXXX because of Interest I've tried talking with many representatives of the company but they all give me the same thing and I also noticed initially it was a lot of young people working there and they were trying to get the credit for selling the loan so it was a lot of crooked work going on but by this time it was too late for me to do anything. I tried to give products back but they refused to take back and they are constantly reporting every month late payments to my credit. I feel as though I've been railroaded into a loan and there is no resolution through the company other than to pay the loan. And I refuse to pay the loan and the recourse for that is that a report on my credit every month late payment or just put in my credit score on a derogative state

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a notice from XXXX XXXX that " Capio Partners '' had disclosed an account from XXXX University XXXX XXXX for {$420.00} up for collection, opened onXX/XX/XXXX. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX  using XXXX XXXX. I still have not received any mail or calls referring to this matter from them, and therefore can not be sure of its validity or that it is even my debt in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I this am just called once again American Express to try and negotiate the APR rate on my account. I did indeed call again on Friday evening ( XX/XX/XXXX, late ) to try and negotiate the APR rate. To my frustration I have gotten no result at all. On Friday evening XX/XX/XXXX was the first evening I had spent at my address since the Hurricane of Irma. Having no experience with hurricanes the stress of same is the same as trying to negotiate an APR rate with American Express. I have been with Amex for so many years and I have always paid my bills on time until a few years ago, when I was laid off from my job. I did somewhat land on my feet if you will, and the balance is higher than I would like it to be and if I could afford to send them more, I would and they know that too, but I can not. XXXX is a killer and the XXXX of a hurricane and then this complaint are enough to kill anyone and I WOULD LIKE TO HAVE MORE OF WHAT I PRESENTLY SEND TO AMEX A CREDIT TO MY NAME AN OPPOSED TO THEIRS.

Company response to consumer: Closed with explanation