BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been waiting for unemployment benefits for two mos. I discovered yesterday that the BofA Government card issued went to an address that I have not lived at for over 4 years. ( As a side : I have a personal BofA card with the correct address ). When speaking with the customer service representative she apologized as she could see that my address was not confirmed prior to the card being sent out. She re-processed the card with the correct address and told me it would be 10 days to receive. When I asked if she could expidite the process because I do not have a job and do not have many resources, she said there would be a fee of {$13.00} for this. I asked if that could be waived due to the card being issued without any sort of contact about an address over 4 years old. Her supervisor said no, and offered to speak with me personally. When I asked for consideration due to the error on the bank end, and my situation, I was told no again. 
I had just indicated to the supervisor that my job was eliminated over 8 weeks ago, that I really needed the funds as I had been waiting for so long, and he said that he would be " happy to take the fee out of the funds on the card and expedite ''. Having been in multiple consumer service related positions I was shocked at the non compassionate and goading stance of the supervisor - His name is XXXX. Consumer experience training and lesson in compassion needed at the BofA Government card center. What a horrible experience. Maybe he will kick some puppies on the way home!

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 2022-03-29
Company: EQUIFAX, INC.
State: CA
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. Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 

RE : XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXX xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied and was approved for two credit cards with chase. 1. A Chase XXXX XXXX XXXX 2. Chase XXXX XXXX XXXX. The first was applied for and approved on XX/XX/XXXX and the second was applied for and approved on XX/XX/XXXX. I  informed Chase that I would be traveling in XXXX from XX/XX/XXXX to XX/XX/XXXX.  I was offered rush delivery in the XXXX XXXX and was delivered to me before my departure date. On XX/XX/XXXX I received a message that my chase card had been removed from XXXX XXXX. I then logged in and found that both accounts had been closed despite me being on travel. I called Chase and was told that the risk analysis department had closed my accounts without any warning. I had not used more than 15 % of my total available credit and was mostly on food and travel. I was also charged the {$450.00} annual fee and had the card less than 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I TOOK OUT THIS LOAN IN XXXX, I AM STILL BEING GARNISHED HERE IN XXXX AND I HAVEPAID XXXX OF THE XXXX LOAN ALREADY FROM A PREVIOUS GARNISHMENT. NOW THEY ARE STILL WANTING XXXX MORE THE STATUES OF LIMITATIONS ON THIS GARNISHMENT HAS EXPIRED IT HAS BEEN OVER 7 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Monterey Financial Services LLC
State: WA
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 company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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 was given a notice by attorney XXXX XXXX of XXXX, Michigan on behalf of Huntington Bank that I allegedly owed a debt on a credit card. Once I received this notice I sent letters three times to attorney XXXX  asking that the documentation ( I have attached one example of the letter I sent ) regarding these claims be sent to me. He never responded, instead he filed a lawsuit in the local district court against me on behalf of Huntington Bank ( also attached ).  In addition, in that lawsuit he had me named but asked for a judgment against a different person, whom I know nothing about and never heard of that person. Also, when they posted the lawsuit on my door, they caused damage to the door. During this whole process, they continued to harass me, but yet did not provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Community Health Investment Company, LLC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was hospitalized in XX/XX/XXXX. The attached form discloses the claim dated XX/XX/XXXXfor a disagnostic image ( MRT ) that was done prior to me being admitted to the hospital. Initially, my insurance company informed me I was responsible for the entire bill of {$8100.00}. I am insured under my mother 's ( XXXX XXXX ) health insurance. She wrote a letter of appeal ( see attached ) regarding this outstanding bill. On XX/XX/XXXX, we received a letter from the insurance company ( see attached ) that approved our appeal and a copy was sent to the original creditor ( XXXX XXXX XXXX XXXX XXXX ). During this entire time, we never received a bill from XXXX XXXX XXXX XXXX XXXX before or during the appeal process. On XX/XX/XXXX, we received a bill ( see attached ) from XXXX XXXX XXXX XXXX. We immeditately called the original creditor to make arrangements directly regarding the revised amount I owed, {$770.00}. We came to an arrangement and made our first payment XX/XX/XXXX ( see attached bank statement ). We received a call from XXXX XXXX XXXX on XX/XX/XXXX. We 're filing based on the following 4 things : 1 ) Dual Tracking abuse from XXXX XXXX XXXX sending this debt to a collection agency and negotiating simultaneously ( 2 ) Professional Account Services attempting to collect on a debt prior to the 30-day validation period ( 3 ) Never received a bill from orginal creditor prior to receiving letter from collection agency ( 4 ) Collection agency collecting on a debt when original creditor agreed to payment arrangement and received first payment. We expressed to the collection agency during the XX/XX/XXXX call that we ( see attached letter ) prefer to deal directly with the original creditor since we made the arrangment directly with them. They refused and implied that I was refusing to cooperate and pay this debt. I told them that is not true as evidenced by the arrangement that was made and she acknowleged payment was made ( 10 % of the balance for the next 10 months ). Further, I believe the original creditor prematurely submitted this debt to the collection agency given the time frame of the appeal process and the new rules that medical organizations must adhere to when placing a medical debt to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing Company has been unable to resolve this issue for about 5 years. They say I'm behind on mortgage payment ; I have sent them proof of payments, copies of cancelled checks for the past 5 years and have called them but they have not reconciled their data. They are unable to tell me when was the original date they claim I missed the payment. I have stopped calling them because it is a waste of time. I get bounced from one person to another with no resolution. They keep asking me to send more paperwork which I have faxed, sent by registered mailed, etc. In the meantime, they keep adding fees because they say I have not paid the total amount to bring the loan current. They are not applying my payments to the loan and hold it for 3 months before it is applied as paid. 

On the last invoice they added {$320.00} to the amount due for escrow ( taxes and Insurance ). There should not be an escrow account on my loan because I pay for the Taxes and the Insurance ( always have ) .I have sent them proof of that but again they are unable to keep their records straight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a XXXX XXXXXXXX XXXX XXXX and the loan was services through Bank of America. For months i was trying to get online access so i can see the loan. I called the bank to ask what is going on and i was told they listed my loan under someone other person and their social. When i asked them what happens if i pay the truck off tomorrow, they had no response because the title would belong to them. I am paying for a truck that would belong to another person and they dont know how to fix it.

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 2018-09-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX " located on XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX '' alter the documents and forge it in order to get money from victims like me, they bought rental contract from " XXXX XXXX XXXX '' for place which I already left on mid of XX/XX/XXXX after I left early notice of leave, and trying falsely claim about {$9000.00} for many items include carpet replacement, early termination fees etc. this place I left on XX/XX/XXXX and they sated falsely I was evicted on XX/XX/XXXX. they forge the contract and removed name and sign of responsible party in contract which is one who was responsible for contract. This company should subject to Federal investigation due to forgery practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, 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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2022-08-12
Company: EQUIFAX, INC.
State: MO
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:
I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never stopped to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Lending Club Corp
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is as far as what happened XXXX XXXX XXXX XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXX  xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My moneygram account was used for a money transfer under my name with a credit card that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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:
I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.

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 2017-11-13
Company: Experian Information Solutions Inc.
State: MO
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:
After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.

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 2019-08-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is the third complaint I have filed against One Main for the same issue. One Main continues to incorrectly report my account information.

On or about XX/XX/XXXX, I took out a loan in the amount of {$7500.00}. From XX/XX/XXXX until XX/XX/XXXX, I made regular, on time payments to One Main for the loan. On.XX/XX/XXXX, I filed for a chapter XXXX bankruptcy. At that time, the loan was included in the bankruptcy. On or about XX/XX/XXXX, I received a discharge, and this loan was included in that discharge.

One Main continues to report incorrect information regarding this loan. My first complaint with them, they continue to auto draft my account for a period of three months after the bankruptcy filing. After the complaint, they refunded the money erroneously deducted from my account, going back to XX/XX/XXXX. Then, they reported the account as charged off after the bankruptcy, and continued to report payment history. Finally, on XX/XX/XXXX, they corrected this erroneous information and agreed to report the account as follows : Balance : {$0.00} Last Payment Date : XX/XX/XXXX Payment History : Current Discharged Chapter XXXX Now, on XX/XX/XXXX, I discovered they are once again reporting this account incorrectly. Despite me making on time payments from XX/XX/XXXX until XX/XX/XXXX, they are once again reporting the account history incorrectly. They are reporting XX/XX/XXXX through XX/XX/XXXX as 'Failed to Pay '. This is not correct. I made on time payments during this period. They received {$300.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and {$240.00} on XX/XX/XXXX.

They can't seem to get this account reported correctly, and it is negatively affecting my creditworthiness and my ability to obtain employment in my career field. My bankruptcy was due to a medical issue, not irresponsible debt management. And prior to the bankruptcy, despite having debt, my bills were all paid on time. There were no late payments. The status of this account contradicts this.

Please see the attached exhibits : 1 ). Letter dated XX/XX/XXXX where One Main agreed to correct my credit bureau information.

2 ). Documentation provided to One Main on XX/XX/XXXX.

Note : You will see in this packet, they were reporting the account current for the XX/XX/XXXX through XX/XX/XXXX payments.

3 ). Previous complaint with the CFPB regarding the reporting of the account during the bankruptcy proceedings.

Company response to consumer: Closed with non-monetary relief