BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, two orders were placed using my Bank of America Debit Card for {$1000.00} and {$1400.00} respectively at what appears to be a wholesale beauty shop run by a company called XXXX XXXX. The money was deducted from my Bank of America checking account on that day. The orders were then cancelled by the store which sent me emails to confirm that the orders were cancelled and that money was refunded. However, the money never was refunded to my account. Instead I called Bank of America and the company gave me a temporary reimbursement for each of the two transactions, which it then revoked on XX/XX/XXXX. 

I claim that this order was placed fraudulently using my Debit Card. I have never made any similar purchases at beauty stores, especially not in the wholesale quantities indicated here. In fact I have seldom made any beauty store purchases, a fact that is born out in the 15 year banking history that I have with Bank of America. Furthermore, I am a XXXX XXXX by trade and training and have no qualifications or inclination to go into the beauty business. I have been a sole proprietor of my own XXXX XXXX XXXX business since XXXX. 

I have a copy of the order details which Bank of America sent to me when it declined to uphold my claim of fraud. These order details state that the IP address that made the purchase was in XXXX, CO. I have been living in XXXX since XX/XX/XXXX and was there at the time of the fraudulent purchase. 

Additionally, the articles that were fraudulently purchased were never delivered to the address on the order and I never received any shipping notice or tracking information. I have tried to contact the company that the orders were placed at and their phone line is disconnected. Their web page says they are not open, and I don't entirely believe that the are a legitimate company. 

I have now filed a Police Report with the Police in the town I reside in when I am in the US. 

These fraudulent transactions add up to a significant sum. I have submitted and resubmitted fraud claims with evidence backing up each portion of my story above to Bank of America but they have denied each one saying that myself or someone with my information placed the orders and they were legitimate. They have now denied my third claim and refuse to open the investigation further. 

I would like to do something to get my money back, but I can't find the " XXXX XXXX  '' company to take to small claims court, and I can't get Bank of America to believe that this wasn't me who made the order in order to get them to refund 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 monetary relief
Consumer complaint received 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 opened a new XXXX credit cards and was able to initially connect my XXXX credit card to my existing Capital One account. Within XXXX I received an email that my online account has been locked with no explanation. I called customer service and after XXXX hour I was told to upload a copy of my drivers license, which I did. I was told that there was a conflict in my name from my other capital one card that Im an authorized user of, which is also my Corporate card. I was told my online access would be resolved in a few days, which it did not occur. I called in a few days later and again. I was told to upload my ID as they apparently lost my Id. I complied and uploaded my ID and again I was told this would be resolved. I spent another XXXX hour with customer service and the digital team. My online account is still locked and Im unable to make payments and access any account features.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: DE
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 submitted disputes for a fraudulent account and fraudulent hard inquiries on my credit reports. 

XXXX XXXX Equifax Account - XXXX  XXXX {$2500.00} XXXX  Hard Inquiries - XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Overland Bond & Investment Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BEWARE!!! I purchased a car from overland bond investment Corp ( XXXX IL ) in XXXX to start building my credit. But it has done everything but build my credit. Initially when I got the car they was reporting to 2 major credit bureaus now they only report to XXXX  that was the beginning of the nightmare. Fast fwd to XXXX I found that the company had NOT reported my ON TIME payments to XXXX. When I reached out to them they got very upset and didnt take my concerns seriously. I disputed the inaccurate information with XXXX  it was updated after 6 months of going back and forth having to prove my self. Fast fwd to Mid XXXX the pandemic hit I was effected by it and my job had dropped me down to part time/ the company humiliated me by making me submit that information just to reduce my car payment from {$230.00} bi-Wkly to {$130.00} a few months ago I was completely let go and couldnt go back to work do to personal injuries on top of Covid I still remained paying the agreement payment plan we made which was XXXX but when I noticed that hadnt been reporting to the credit bureau again for the SECOND time I reached out to the company they got very upset again they ignored numerous emails/calls. I have all my paper trial. When I disputed it with XXXX and the XXXX they got furious and updated my credit report saying Im delinquent which wasnt the agreement they was supposedly helping customers effected by Covid which I still currently am. Not only is it cruel to do this to a customer whos trying to stay honest I was jus trying to get my credit report updated because I take my credit serious I pay my bills on time. Its funny the company responded the same day when I reached out to the XXXX  but never responded to personal emails or phone calls? And now all of a sudden because Im reporting your negligence they want to say Im behind on my note and its now effecting my credit score and worthiness which is negatively effecting my family I have XXXX small children and trying to make a living. I would like them to completely remove the account from my credit report. If I was behind on payment what company lets you owe over XXXX in back pay!? Why wasnt the alleged past due balance reported last year? Its clear your company is making false allegations because a customer does their research and found out youve been taking payments on a car thats wrote off and not reporting to the credit agency accurately! I still havent received a phone call from them! Horrible customer service. Zero benefits and on top of it they charged 3x the amount they should be allowed to! Their loan sharks taking advantage of tax paying citizens! I wouldnt recommend this car if you was XXXX standing in a blizzard

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a XXXX balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.

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 2021-09-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Diversified Adjustment Service, 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: Account information incorrect

Complaint:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has stated that I didn't make my payment in XX/XX/XXXX but I have a canceled check for this payment. They have charged me a late fee and added a mark to my credit report. I emailed them and was told they would send me a letter with the results of their investigation. To date I have not received any letter explaining what they found and they are now contacting me repeatably alleging I didn't make the payment.

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 2021-09-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, Since fifth third Bank bought my mortgage and my life been rough. Beginning of this year they had a problem with me saying that I missed 3 payments. While actually all the 3 payments were out of my account. I struggled so hard to reach out to someone from their office to understand and help me because my credit score dropped and they were taking me for foreclosure. I had to get and pay for a lawyer for them to understand the struggle and help me out. However, that problem with fixed after the lawyer with involved and I was back on my monthly payments. All my payments are auto pay which means they are eligible to deduct it from my account and they do. I have family to take care oversees I went this past summer came back and again I get mail from them saying that I missed a payments and I'm charged late fees and I have three late payments which made my credit score dropped so bad. I don't understand how if I have my auto payment on and you guys charge me monthly and I have late payments! I have my all my payments record. I don't want to go pay for a lawyer again to get this fixed! This company is stressing me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Experian Information Solutions Inc.
State: OH
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 contacted XXXX XXXX XXXX regarding an old auto loan that I paid off back in XXXX. While reviewing my credit score, I noticed XXXX XXXX XXXX noted the account was paid, charged off. I contacted them to correct this as well as the times they reported to the credit bureaus that my payments were not made and explained that those dates reported were payments made on time and I was allowed to make payment arrangements later in the loan 's life. I was told to file a dispute. 

I filed several disputes with Experian ( both online and over the phone ) regarding both the charge off as well as disputing that the payments were late. I attached a payment history I received directly from XXXX XXXX XXXX as well as a letter disputing the information reported. Experian not only did not correct anything on my dispute, they also changed the charge off date from XX/XX/XXXX to XX/XX/XXXX. Experian said the only thing I could do was keep filing disputes. 

I contacted XXXX XXXX XXXX regarding the change. I was told that the reason the charge off date was changed was because I filed a dispute and that they wouldn't correct the information. 

I already have an open complaint against Experian for failing to investigate this properly especially with them allowing XXXX XXXX XXXX to change the charge off date by 5 years. I would like to file a complaint against XXXX XXXX XXXX as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
re : Western Union money transfer, XXXX XXXX, 2017, sent from XXXX for XXXX A money transfer was sent to me today as indicated above. When I checked to see if the funds were available on the Western Union web site, it said they were ready for pick up. However, when I went to a bank to claim the funds, I was turned down. When calling Western Union for an explanation, I was told to have the sender call them and was peremptorily stone walled as for any explanation. This is the second incident this has happened with this service. A previous transfer in the amount of {$500.00} was sent to me from XXXX XXXX and I encountered the same refusal to pay the funds. I have no idea what is going on with this company but I am NOT in any way a criminal, drug seller, money launderer, et al, and it strikes me that this outfit is far too overboard in making subjective conclusions based on unsubstantiated " facts ''. This is a complaint I have been hearing from other customers so there seems to be a need for an investigation into how this company is handling its money transfers or have it go back to just sending telegrams!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had a collection which I paid and I was promise to have the account to be deleted as of today they account will open and reporting wrong.

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 2020-04-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My initial loan with Navient was {$40000.00} and has ballooned to {$120000.00} for a loan I was coerced to take out by the University XXXX XXXX and unable to pay based on my family size, living expenses and income.The degree was not helpful and was pressure and falsely promised employment with amazing alumni to cover expense. Wasnt explained that it would triple in amount. 

I also filed a Formal grievance directly with University XXXX XXXX ethics office regarding the false advertising and pressure and misleading promises the enrollment counselor used to sale me on their XXXX XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
After many hours of studying the law and research of the protection consumer laws, I have sent several letters to  XXXX   XXXX  and Experian regarding fraud on my credit report related to an address in  XXXX , IN. Four  XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the Office of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcie s 1  on   XX/XX/XXXX   and the 2nd on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to th e Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by  Congress  in the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After many hours of studying the law and research of the protection consumer laws, I have sent several letters to   XXXX   Equifax and   XXXX   regarding fraud on my credit report related to an address in  XXXX , IN.  XXXX   XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the  Office  of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcies 1 on  XX/XX/XXXX   and the  XXXX  on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the  Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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