BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking acct for 3 years with b of a and had my paychecks direct deposited into this acct. This past year I helped my ex open an acct, and found out that i was co-owner of the acct. I went to the bank and tried to get my name off of this acct, when we broke up. they refused, since then my ex has been depositing bad checks and the bank took my money from my personal acct, and transfered it into this acct. the bank took all of my money.

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 2022-02-04
Company: EQUIFAX, 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/XXXX I RECIEVED MY INVESTIGATION RESULTS VERIFYING THAT THE FOLLOW INFORMATION IS ACCURATE AND FAIR. REPORTING AGENCIES FAIL TO SEND THE INVESTIGATED REPORT WITHIN 15 DAYS VIOLATING THE FCRA. XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX XXXX XXXX IN XXXX OF 2019. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNT STATING THE INFORMATION WAS TRANSFERRED TO ANOTHER PARTY WHICH IS XXXX XXXX XXXX. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE XXXX IS IDENTITY THEFT. XXXX XXXX XXXX ACCOUNT IS LISTED AS A DEBT BUYER. JUST BECAUSE XXXX XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: General Motors Financial Company, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into an agreement with XXXX XXXX the company that GM financial hired to collect a debt for a vehicle that was reposted. The agreement was to make three payments in the amount of {$1400.00} totaling {$42000.00} to settle and close the account. Payments began in XX/XX/2019 with the first payment in XX/XX/XXXX, second payment in XX/XX/2019 and the final payment was made in XX/XX/2019. I received a letter from XXXX XXXX XXXX via email and standard mail stating my account has been resolved and closed in XX/XX/XXXX. I contacted both XXXX and GM Financial to have the information updated correctly. 

My issue is the information that GM Financial is reporting to the credit bureaus does not accurately reflect the agreement made between me and XXXX XXXX and it also indicate son my credit report that I still owe GM Financial {$6300.00}. I made three payments in XX/XX/2019, XX/XX/2019 and XX/XX/2019 on time as agreed with XXXX XXXX however GM Financial reported all three of those payments to the credit bureaus as a failure to pay. Currently the account on my credit report also indicates a past due balance of {$6300.00} despite the fact that I have resolved and paid the full amount all involved parties agree to. 

I am requesting that GM Financial remove the account in totality from my credit report with all three crediting reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: 21ST MORTGAGE CORP.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX/XXXX/18 - My mortgage is with XXXX XXXX ( based in Tennessee ), and I called to make a payment arrangement. I am only 1 payment behind. The person that I was speaking to was extremely rude, and berating towards me. Comments such as " You are taking advantage of our kindness '', Comments about my integrity as a person, and threatening to take my home if I do n't make a payment in 4 hours. I attempted to explain my unforeseen circumstances, but I was constantly interrupted. I have been a customer for over 7 years, and I have been repeatedly spoken to in a degrading manner. I understand mortgage companies have a job, but to be berating me like a child is completely unacceptable. 
Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has transferred the mortgage note for the mortgage ( MIN : XXXX ) in the trust for securitization. 
Please provide me the date and the name of the trust for this securitization. 
Thanks in advance.

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 2019-04-19
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: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have reached out to the FTC and local police. Im also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a phone call from ( XXXX ) XXXX. I answered the phone and a male voice answered. He asked for XXXX XXXX and I said yes. He then began to say that he had information regarding a financial matter but needed to verify my identity before he could proceed. He then asked for the last 4 digits of my social security number. I asked what it was in regards to, because I was not comfortable giving out that information over the phone to a stranger. He responded again that it was for a financial matter but he could not yet tell me without confirming my identity. He then stated that he had my full social security number on file in front of him and then recited the last 4 digits asking me to confirm. He then proceeded to recite my entire mailing address. I asked if he was so unsure of my identity that he could not tell me why he was calling, why did he feel that it was okay to give out my social security number and mailing address over the phone. He responded that it was their policy to confirm identity that way, and told me that nobody could do anything with just the last 4 of my social security but agreed that my mailing address should be private. I asked for the name of the company and he responded Dynamic Recovery Solutions. I got very angry and told him that he should not be giving out my personal information over the phone, what if it was not me then they would have my information, and I told him that I would not be continuing the call and that I would be filing a formal complaint. I find it very discomforting that a company with access to sensitive information has a policy in place where it can be so readily shared over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an authorized charge from a XXXX website for {$100.00} called AND solutions and PayPal refuses to refund me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
TransUnion has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine

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 2018-03-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took these loans out in XXXX and they totaled just above the amount owed now. Two loans are 4 % and one is 12 % interest. It shows that literally less than 10 % of all payments made has gone to the principles of the loans. One loan even went up {$1400.00}, due to bad customer service advice and 99 % of my payments going to interest first. I have screenshots of the history. Do I dare refinance? Or just join the suit. I was taken advantage of just after a XXXX assault and XXXX. Navient has ruined kids in college. It doesnt need to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CITI closed my new BrandSource credit card without prior warning. The account was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.

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 2019-10-14
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 had 2 late payments because i never received the bill. I changed my address with the company but still never got my bill. This caused the payments to be late. They have also said they would work with me on the late payments but haven't removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my 2nd complaint FILED AGAINST NATIONAL CREDIT SYSYTEMS.

COLLECTION ACCT # XXXX. NATIONAL CREDIT SYSTEMS IN C.F.P.B., COMPLAINT # XXXX RESPONDED TO C.F.P.B. THAT THEY WILL STOP THE FULL COLLECTION EFFORTS ON THIS ACCOUNT, HOWEVER THEY DID NOT STATE THAT THE COLLECTION THEY REPORTED TO ALL 3 MAJOR CREDIT WOULD BE DELETED! WHEN I CALLED THEM TO ASK IF SUCH ACTION WAS TAKEN TO DELETE THE COLLECTION FROM ALL CREDIT BUREAUS, THEY HUNG UP THE PHONE ON ME, WHICH HAS NOW PROMPTED THIS 2ND COMPLAINT. NATIONAL CREDIT SYSTEMS HAS DAMAGED MY CREDIT RATING BY MALICIOUSLY NOT DELETING THIS COLLECTION, THAT NOW THANKS TO THE C.F.P.B. THEY REPLIED IN THE PREVIOUS COMPLAINT. I NEED NATIONAL CREDIT SYSTEMS TO SEND YOU IN WRITTING THAT THIS COLLECTION WILL BE NOT ONLY BE CEASED IN COLLECTING BUT WILL ALSO BE DELETED FROM ALL CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Ability Recovery Services, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call from XXXX XXXX calling about I debt I do not owe. I explained to him that i have health insurance and that the bill was never presented to my insurance carrier after calling XXXX medical and telling them that I had insurance and that I gave it to them during my emergency room visit and I gave them the information again. It's a violation of law to bill a consumer because the hospital didn't bill my medical insurance. After I spoke with XXXX XXXX explaining that I never received any information from his company he explained that they had an incorrect address on file. He corrected the address and started that they would send the information again. He also stated that its scheduled to go on my credit report even though I disputed it with him.

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 2017-09-22
Company: Experian Information Solutions Inc.
State: TX
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:
I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report immediately. 

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

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 2021-08-04
Company: BARCLAYS BANK DELAWARE
State: FL
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:
A reservation was placed with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021. The reservation was for XX/XX/2021. This reservation was placed by my daughter. The payment was affected through my Barclay, s Master Credit card. Later in XXXX, when I received my Barclay Credit card statement, Prior to XX/XX/XXXX. I did not recognize the amount So I called Barclay and asked them to put the charge in Dispute. They did so. Again, prior to the date of the reservation XX/XX/XXXX. My daughter came to me and reminded me of the reservation she placed with my consent with the Barclay credit card. So I turned around and prior to the Reservation date. I called XXXX and asked them if I could pay with another credit card. Since they did not want the Barclay Credit card. The said yes. So I paid with the XXXX XXXX card, on XX/XX/XXXX. They, XXXX accepted the transaction and my family was able to attend the reservation. I called Barclay and asked them to cancel the transaction with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
They indicated, with a letter that they would close the transaction but they actually did not. They first sent me a letter, on XX/XX/XXXX, indicating that the transaction was closed. I thought that was the end of it but it was not to be, On XX/XX/XXXX I received another letter saying that XXXX submitted documents to Barclay indicating that the monies was owed to ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). So Barclay, after making their investigation concluded that, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ), should be paid. This is without contacting me before the payment was made out of my account. 
I previously had paid, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX though XXXX XXXX. I called Barclay and asked them to retrieve the payment a credit my account. Barclay refused!

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 2017-09-22
Company: EQUIFAX, INC.
State: IN
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:
Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called XXXX and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to XXXX I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute XXXX and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs XXXX from the agent and I was placed on hold and told " fts '' or the federal government. I believe XXXX is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CURO Intermediate Holdings
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 have two open accounts thru XXXX XXXX XXXX ( Speedy Cash ) which are not mine theft identity I have sent them a police report and they have nit taken them down. My address which is not mine XXXX XXXX XXXX XXXX XXXX XXXX Texas. My name is not XXXX XXXX XXXX is is also wrong on my repert

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Bread Financial Holdings, Inc.
State: DE
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 used my credit card with Comenity Bank to book a vacation package for me and my wife totaling {$2600.00}. The travel agency was shut down due to fraudulent business practices. I filed a dispute with Comenity Bank for none receipt of services. I was given a temporary credit which was later charged back. I communicated with the bank several times for an explanation for the reversal of credit and all they explain to me was that the charge was non-refundable. It is true it was non-refundable if I cancel. But I did not cancel. The merchant is totally unable to render the services my wife and I paid for. 
I have even contacted to Comenity 's CEO because I believe the persons processing my claim don't know what they are doing. I didn't get any response. 
Attached are letters and attachments I sent/provided to Comenity Bank. 
I will be traveling starting today XX/XX/2019 until XX/XX/2019 and will have limited internet access in case you need to contact me and need a response. 
I hope you can assist me with this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19
Company: Bay Equity LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my husband and I finally bought a duplex. My sister ask if she could co sign for us. We moved to the duplex on XX/XX/XXXX, I live in the front house and my sister moved to the back house agreeing to pay XXXX per month. On XX/XX/XXXX my sister decided that she wasn't going to pay me anymore rent because she had rights. My sister told me that she was on the house Deed therefore she was also the owner of the house. My sister di not give any money towards the purchase of the duplex. The Lender Bay Equity LLC for some reason decided to add my sister as part owner. Now my sister hired a Lawyer and is asking XXXX plus Lawyer fees. I don't have any money. Its there anything I can do to avoid my sister take advantage of the trust that I had with her. She is trying to commit a Fraud with me. All because I refuse to let her live rent free. Please help me. I have all the documents that show that my husband and I were the only hones that came up with the down payment towards the duplex. Thank you very much for your time. XXXX cell XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation