BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Billing dispute for services

Complaint:
I Made full payments on XXXX on my credit cards to help raise my credit XXXX XXXX XXXX and Capital One, unfortunately my bank account was closed due to fraudulent activity and the paymentswent back then they decided to close my account with no questions ask didnt let me pay the balance not even to reopen my credit accounts they completely shut it down and sent it to collections, which has damaged my credit. Please help it wasnt my fault, they way XXXX XXXX handled the situation was very wrongfully done. No customer care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a Mortgage with Bank Of America for my home in Florida. I have been advocating to save my home since XX/XX/XXXX when Bank Of America sent me a notice from a Florida Developer that they wanted to buy my home as part of a development buyout of our community. Bank of America did not give me the notice until XX/XX/XXXX but they received it in XX/XX/XXXX. This delay which gave way to me being beyond and objection time frame regarding the sale of my home, therefore Bank of America eliminated my ability to object. 
Bank Of America and their employees caused further harm when they did not accept the Full payoff for my home but instead a very low value. The Home was located in a pristine waterfront yacht community. Florida Law required in addition to my right to object to the sale but also that any first Mortgage is to be paid in full. ( Bank Of America held the First Mortgage and the only Mortgage ) Bank Of America further harmed me when they did not accept the full payoff as required but instead sent my file to another department to charge off my balance and ruined my credit by deliberately sending notice to the credit reporting agencies. 
Bank of America employees to numerous to list including on XX/XX/XXXX XXXX XXXX resolution specialist letter designed to continue to ignore the matters of the complaint and talk about other matters in an effort to sidetrack the complaint.Her summary of research was limited to 2 sentences.The letter was designed to hide many facts including when the developer sent me notice via Bank Of America and who received the notice so not to expose wrong doings by those employed by Bank Of America. 
Because of the lack of proper actions by Bank Of America and their employees we were forced in an unreasonable time frame to vacate our home, boat dock and fire sale our boat and leave our property and community, while Bank Of America gave no thought to our wellbeing after more than 10 years of payments to them while refurbishing our entire home to protect its equity. 
All of our payments were current including HOA fees and taxes. 
All documents and files including letters from Bank Of America will be available with the timelines when all notices were received.

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 2019-04-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
( All documents, proof and/or evidence attached ) attached : return receipts, validation letters to XXXX and XXXX XXXX, certified return receipt mail sent to Equifax, XXXX  and XXXX. 
The following account/accounts that fall under have failed to be validated. I have sent the creditor ( XXXX XXXX XXXX XXXX letters of validation ) Neither has been able to validate the accounts that fall under Account # XXXX. 

-Sent XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX XXXX request for validation : sent XX/XX/XXXX -Sent XXXX XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX I requested a method of verfication from Equifax, XXXX and XXXX via certified mail/return receipt : ( Attached as rd.1 letters ) Equifax : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX for the following accounts : 1. XXXX 2.  XXXX 3. XXXX 4.  XXXX 5. XXXX 6.  XXXX 7. XXXX 8.  XXXX 9. XXXX 10.  XXXX 11. XXXX 12.  XXXX 13. XXXXXXXX 14.  XXXX 15. XXXX -Per a previous dispute with the credit bureaus they stated that the creditor XXXX has validated these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Just recieved notice from XXXX XXXX that a new collection company, common wealth finacial, put a debt on my credit report for over {$500.00}. I never recieved written notice or any phone calls at my home address even advising me that i had a debt. The dates open say from 1 month ago. I have no knowledge of this debt. I believe this is fraudulent account. Because of this my credit score dropped 7 points. The best part is that it says the account was opened 1 month ago. I want to bust this company for doing this to me. I looked up common wealth financial and they have a reputation for showing up on credit reports. Thank you for you help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm reaching out to get assistance with having a debt reported to my credit report removed due to the collection agency not properly notifying me of said debt which would allow me to dispute the validity of its claim that I owe. I've contacted the agency several times to have them verify this debt to no avail. I'm disputing this debt and am requesting it be removed immediately due to this company not notifying me before it was reported to 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 2019-04-15
Company: United PanAm Financial Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Repeatedly called my cellphone before XXXX post and when I spoke with one supervisor about it, she thought it was funny but according to the last supervisor I spoke to, my account was never documented. Also called back to back on the same day leaving numerous messages one of them in a threatening manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This is my 2nd attempt to get this matter resolved. My 1st attempt was sent in on XX/XX/21 .Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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 2017-12-06
Company: FIRST HORIZON BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX XXXX XXXX, I have been submitting documentation to XXXX XXXX XXXX in regards to alternatives to avoid foreclosure. I have provided all the documentation requested and have continued to follow up and do all diligence on my end. On XXXX XXXX XXXX, a copy of the fully executed divorce decree was sent over, which was the final information they were requesting. I am now being told by the lender that they can not and will not review me for any options because the sale is too close! The sale is scheduled for XXXX XXXX XXXX which is more than a month away and they are unwilling to help me or even provide me other options other than they are proceeding with the sale. I have a quitclaim and a divorce decree evidencing this is also my debt. My name is on the Deed of Trust, and I am a co-signer and have rights under the Deed of Trust but am being totally neglected. This is the only thing I have left and I feel all my rights are being violated and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the month of XX/XX/2018 I agree to allow American Express to debit the balance owed in two payments. The two payments of XXXX XXXX on XX/XX/XXXX and the second one for XXXX for one week later to pay the balance of the Amex Account. 
The payments were not posted as directed over the phone, the exact balance of the amex bill was deducted from my state Bank account. for a total of XXXX. I have repeatedly reported to Amex to no avail. This account has been unfairly and incorrectly reported to the three credit reporting agencies negatively and in collections. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15
Company: PMAB,LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to a emergency room for medical problems that I was having The veterans administration paid both bills and notified myself that the bill had been paid in full. I then looked at my credit score and it had dropped a substantial amount because the bill was turned over to PMAb collection agency and in turn they posted on my credit report as a collection. I have tried to contact the XXXX XXXX hospital to clear this matter up and to tell them I had paid the bill on there website but I have had no success. My credit fell dramatically and is hurting my buying power.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Experian Information Solutions Inc.
State: NC
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:
THESE ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE NOW.

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 2018-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/18 I called Bank of America to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that my interest rate was the lowest they could do, without even asking any questions and said there was nothing they could do to help and suggested I look into a debt consolidation company.

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 2020-05-05
Company: Capitol Credit Services, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been told by XXXX XXXX, the holder of my credit card account, that the way payments are targeted is due to the TILA. I have two balances ; one at an interest rate of 22 % and a higher amount on a promotional 0 % interest rate. We pay more than the minimum due, and I am being told that the minimum amount due is targeted to the lower interest rate amount and the remaining is targeted to the higher interest rate as per the TILA. Is this true? The higher interest rate, is a lower amount, but also the oldest amount. I would like to at least split the difference 50-50, but I am being told the TILA will not allow this. Please advise and thank you! 

I initially sent this request to the Federal Reserve, but they directed me to send it to you.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-22
Company: Century First Credit Solutions
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
It is a previous complaint # XXXX The result of that complaint was a offer from the debt settlement Company of {$800.00} they sent me a paper with the information without any explanation. I am in a fixed income having a financial hardship then I signed in XX/XX/2018 the document with the promise of receiving the money in the following 1 week and give the document back to XXXX XXXX. Since then three months has passed and I never heard back from them and all the calling attempts to ask for the money back were in vein. They always saying that the check in on their way but I have not receive it yet. 

I was looking for help with my debt and I got the information from the settlement company called XXXX XXXX XXXX. XXXX XXXX XXXX representative from the company that told me that in six months my debt will be negotiated. Total amount paid during 16 months was {$6800.00} minus two creditors that were paid total of {$2500.00}. I couldn't complete the program due to my financial hardship and they never explain my rights or options from the beginning, for instance I am a senior citizen XXXX year old with a fixed income less than {$500.00} SS, without any job or other source of income and they never told me I was protected from the creditors or collections. With the hope they gave me I was taking food from my table with the hope to clear my debt. Then after I interrupt the contract they didn't returned my money back the difference of {$4300.00}. 

I am also trying to contact the intermediary bank they use for this purposes XXXX XXXX XXXX ; I spent unsuccessfully hours on the phone waiting for a representative. I sent them letters twice and they never replied to verify the statements or detail information about the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Yes the assurant from Equifax told me that they were going to reimburse me the loss and all the issues I have been passing for this mistake in the Data breach with Equifax plus that I have the trusted ID premier they told me that will covered the fraud and identiry fraud but after a month no body call me back they ask me for all the documents and I did send it but know they say they didn't get it and I have the proof that the company signed for the documents I just want to Equifax keep the promises about my identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As most people are I was odviously out of sorts when they rushed me to XXXX in a XXXX   XXXX after a car accident at the rime i had full coverage platinum PPO with XXXX XXXX XXXX  Subscriber ID XXXX. See attached copy of claim during same time period., I ahve made several attemots to get this debt collecvter from stoppinf its collection efforts and removing the invalid debt from my credit. My insurance fully covers such an expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to contact XXXX credit reporting agency to lift a security freeze on my credit profile so that I maybe able to access new credit. I am unable to reach a representative or get help with this matter because XXXX is not currently responding to my telephone calls. I would like to file a complaint against them for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CL Holdings LLC
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 received a notice a debt was being transferred to them. Per section 609 of the FCRA I request the original documentation of the debt. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: EQUIFAX, INC.
State: NC
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:
THESE ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As most people are I was odviously out of sorts when they rushed me to haon in a neck brace after a car accident at the rime i had full coverage platinum PPO with XXXX XXXX XXXX Subscriber ID XXXX. See attached copy of claim during same time period., I ahve made several attemots to get this debt collecvter from stoppinf its collection efforts and removing the invalid debt from my credit. My insurance fully covers such an expense.

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