BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: SIMM Associates, Inc.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hey I attended this trade school calledXXXX  careers I completed the program and once I completed the program their certificates that they hand out or not recognize anywhere I was in able to find a job and it was a complete waste of time they made me take out a student loan in order to complete the course and once I finish the course they billed me on top of my student loan an extra bill I discuss this with the other credit bureaus and disputed it with the credit company and it was taken off to All state careers I completed the program and once I completed the program their certificates that they hand out or not recognize anywhere I was in able to find a job and it was a complete waste of time they made me take out a student loan in order to complete the course and once I finish the course they billed me on top of my student loan and extra bill I discuss this with the other credit bureaus and disputed it With XXXX as well and they refused to take it off XXXX XXXX and XXXX  I believe has taken it off the collections please can you look into days to remove this account from my collections account of any of the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have not been able to get my money back from Bank of America. As you know things has been really tough lately with the economy and BofA has been sitting on money that they owe me since XX/XX/2020. This was the last payment of {$4600.00} made to them on my mortgage, but the payment was received after the refinance of this loan was completed. I have been trying to get them to send the back the money for almost 3 month with nothing other than we are working on it. They do acknowledge they received the money and every time I call them they say we will send you a check, for we will wire it back, but nothing is happening.

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 2017-12-19
Company: Access Receivables of NC Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am having with my credit report. The account name Receivables was added to my report and was disputed with XXXX on XXXX XXXX, XXXX. The investigation was completed and the account said above was deleted from my XXXX credit report. Later, the account was added back as Access Receivables Management on XXXX XXXX, XXXX. This action infringes on my Fair Credit Reporting Act Rights for Section 605 [ 15 U.S.C. 1681c ( c ) ( 1 ) ].

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Portfolio Recovery Services served me stating I owed a debt to their company. I disputed this and requested debt validation numerous times. During, the dispute, it appears that Portfolio Recovery not only initiated this lawsuit while I was being represented by a firm ( also disputing XXXX but they also continue to pursue legal action and have yet to legally prove the debt that I owe them. I have requested legitimate validation multiple times ( written and verbal ). Recently, I'm receiving more calls and I gave told them it is not my debt. 

**The judge actually postponed this hearing into XXXX because I sent in written correspondence noting their inability to adhere even to the initial concept that I was represented by a firm. Please advise. I gave been sending emails and letters for about 6 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I had a charged off card with Capital One. They offered me to settle for an amount and I accepted. They are still reporting the card as charged off and with a balance. On their email it stated this Credit Reporting of Your Settled Account. If were reporting your account to the credit bureaus and you settle your account for less than the full balance, well update the account reporting to paid in full for less than the full balance. They did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been trying to complete a short sale of my rental property to avoid forecloser. Had a Cash buyer XX/XX/XXXX. XXXX shellpoint Mortgage declined the offer, asking what the buyers intent was to purchase property, which was to help a friend and keep current tenants in the rental property. Shellpoint forced me to place property back on market XX/XX/XXXX sell price XXXX. Praise XXXX received offered for XXXX send contract to shellpoint who will not put a hold on foreclosure date of XX/XX/XXXX. The buyer is willing to close as soon as contract is approved. Shellpoint is refusing to work to stop the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of for being ignored of my disputes. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 35 days over 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 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 explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank is charging me XXXX for 3 duplicate checks Made on XX/XX/2022. I contacted wellsfargo hoping they would solve my concern but they treated me badly and blaming me for those transactions. At this day my account is XXXX And I dont want to see my record affected for this transactions

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 2019-08-19
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Hello, how are you writing this letter regarding a few that were fraudulently opened, I have already tried to dispute these few but have not been able to eliminate them from my credit report, I have an affidavit identity theft and report these accounts as fraudulent please remove  these accounts of my credit report THANKS ..

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 2023-04-24
Company: Experian Information Solutions Inc.
State: CT
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three 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. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-03-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.

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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a billing today from XXXX XXXX XXXX XXXX that indicates a bill for {$470.00} is past due. I have never applied for a credit card and the name that XXXX told me was XXXX XXXX that took out the card in my name and with my information. I do not owe this debt and I would also appreciate knowing how I can report credit card fraud on this individual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: FL
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:
After looking over my credit report I see that I have hard inquiry from a XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX that I did not authorize. Please remove all of these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions 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:
PLEASE REMOVE THE COLLECTIONS ACCOUNTS FOR XXXX WHICH IS ONLY REPORTING WITH EXPERIAN, WHY WAS IT REMOVED FROM XXXX  AND NOT FROM EXPERIAN? I HAVE ATTEMPTED SEVERAL TIMES AT DISPUTING/REMOVING THIS NEGATIVE ACCOUNT AND NOTHING HAS BEEN DONE ABOUT IT. I NEED TO KNOW THE REASON/S AS TO WHY THESE ACC9OUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. I HAVE GOALS I WANT/NEED TO ACHIEVE. THE NEGATIVE ACCOUNTS ARE IMPAIRING EVERYTHING FOR 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 2018-08-22
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that Discover Card remove my husband from my account, as I am the only responsible party. I am trying to get myself out of debt, and I can only do that by negotiating with all of my creditors across the board. I respectfully request that Discover Card accept a one-time settlement of {$4000.00} of which I will borrow from a relative to resolve my debt in full. I have submitted this request through the CFPB to guarantee that my rights are protected under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NJ
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.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 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in escrow for a new build with Bank of America as my lender for the past 6 months. This is my and partners first home purchase. The whole escrow process has been smooth and my loan officer has been concise, informative and patient but I am having one road bump at the end of escrow. Well, my initial closing date was XX/XX/XXXX but the builders informed me my closing date is now XX/XX/XXXX which I was notified end of XXXX. As a result, it is less than 45 days left until close so we had to lock in rate. My credit report and co-applicants credit report were repulled since the previous were expired. We shortly found out that the balances on my co-applicants revolver balances and primary address were incorrect. We requested our lender to repull our credit reports since we had them fixed but Bank of America stated they will not repull since they have already pulled them and we are approved. Ultimately, this inaccurate information on our reports is going to cost us thousands in closing costs and increased our rate significantly. I tried contacting upper management but they denied our request stating that its against policy and that we are already approved. We can only get them repulled if we were denied or if the lock rate period is expired which is XX/XX/XXXX but this isnt going to work since itll push our closing date with the builders. At this point, were having to deal with the situation when it could be so simple to have our credits repulled.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX has reported an account from XXXX which I have no knowledge of, and which has previously been removed because they fail to provide the opportunity to dispute and failed to provide documentation that this a valid debit belonging to me. This account is being reported again without the company complying with federal law and giving me the opportunity to dispute or providing documentation it's a valid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: MI
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 am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled

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 2020-10-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It is not enough words to describe how horrible their phone system is and agents on the other end refused to clear their line or speak up, speak clear and simply hanged up. I finally got to check my account yesterday and discovered that my previous request about unauthorized transactions by some business that unknown to me. Repeated charges were not taken care of on my call in the past. I tried to do the transfer by XXXX and my account did not allow me to proceed and gave me a constant message that Account blocked. I called the customer service and was transferred to technical support. That service promised me to help and asked me to send him a screenshot that I did and I emailed. I asked the recipient to initiate the transfer and it was initiated by the recipient and he used his XXXX to request payment from my account from his side. It was done before three or two times with no problem in minutes.

I was told that money that were supposed to arrive in minutes, but did not arrive. I enter on my account again and tried to call and got unprofessional service when I was transferred to technical support that had a horrible connection, had a lot of noise, eco and impossible to hear anything and agent refused to clear the line. I found in my junk  mail box email from CITI Bank that asked me to confirm XXXX transaction that was unusual, because three previous times it did not require. The email said that they will keep my money for 14 days until I confirm and it wont let me to confirm, the same way like it did not let  me to use XXXX from my account. while I was on the phone I was kicked out of my account and now it won '' t let me back in. since I ordered a new ATM Card and I got no way to change the password. The CITI Bank refused to provide any help. I never heard back from technical support back by email or phone call either. It was look like a conspiracy. I lost access to my account and they won't help. In addition, they offered the reward up to {$1500.00} depending on the amount and also I got nothing. My nervous system got hurt.

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