BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/XXXX I asked for a Payday Loan from a company that called me and sent me an email. Being it was my birthday I thought it was a sign instead it seems to be the worst decision ever. I was sent {$1900.00} within minutes and told to XXXX an insurance policy the money to verify the insurance. They even emailed an insurance policy for the loan from XXXX. I did this again with {$700.00} and then Bank of America calls me with detailed questions saying I have been scammed. Why I did not know I was more than happy to cooperate with them to help the find the people who fraudulently filed a claim on my behalf. Instead Bank Of America instantly charges my accounts and puts my account in negative balance by over {$2600.00}. I have spoken with many of people who have said sorry but have not helped a bit. Now when I call the fraud department and ask to speak with a supervisor I am UNPROFESSIONALLY disconnected. I do not know what more there is to do. I am soo disappointed in Bank of America, i have been a customer for over 13 years ; the first bank account I ever opened and it feels like they are the ones who scammed me. 

I also have XXXX XXXX and with their security system I am wondering how Bank of America allowed someone to withdraw money from account and distribute money based on a false claim within minutes? When I asked the lady from Bank of America how I would know its a scam she says if someone asks for your online ID and Passcode it is most likely a scam. I have taking out a loan before under XXXX XXXX for a much larger amount that went directly to my Bank of America account and they asked for they same exact information so I do not understand why all of sudden Bank of America is trying to pin this on me when I am the victim of fraud. 

I also reached out to XXXX and the company. I can not reach the rep anymore from the number he call but I have his full name and number. 

Thank you,

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 2019-02-21
Company: Experian Information Solutions Inc.
State: ID
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ( Original Creditor : 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 2018-07-22
Company: Comerica
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 alleged company ( XXXX XXXX   ) state thati have a banking account with them although I don't I have no idea on where this bank is located at, I've sent in my ID, certified affidavit form, with a police report, and ftc identity report, I've reported this to my credit bureaus and yet its is going 3 months of a constant investigation every time its gets to the 30 day mark is just automatically re-investigate and take my credit score down please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just missed one payment and CITI SEARS has called me from XXXX on XX/XX/19 SUNDAY 4 times SO FAR.

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 2021-01-22
Company: R & B Corporation of Virginia
State: NC
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 have and had health insurance which was never billed for payment contacted the vendors they refused to bill sent to the credit bureaus to verify no change. I was XXXX  injured in XXXX  the State of Virginia was the payer of the bill however no effort to remove from my credit.Since getting out in XXXX I have had been forced to live with relatives and friends unable to rent because of the collections totaling over {$8000.00}. show as collections on my credit report. I have called they say its to late and refuse to file however the insurance information has been in their possession the entire time. Because of the Corona virus family members are scared to let you stay, I am XXXX cant work due to the injuries I suffered I have a XXXX XXXX and XXXX XXXX  injuries. I need help please to get this off my credit so that I can qualify for a place to live. 
The creditors are XXXX XXXX XXXX in XXXX Va bills are for {$2700.00} inXXXX {$4000.00} in XXXX XXXX these are hospital XXXX authorized by the state of VA I have XXXX XXXX & XXXX. {$1200.00} Placed in hospital by XXXX  system can provide proof. 

XXXX XXXX XXXX ( doctors ) XXXX VA svc date XX/XX/XXXX {$69.00} svc date XX/XX/XXXX {$180.00} {$34.00} svc date XX/XX/XXXX XXXX XXXX XXXX {$74.00} svc date XX/XX/XXXX {$190.00} svc date XX/XX/XXXX XXXX svc XX/XX/XXXX {$74.00} svc date XX/XX/XXXX XXXX XXXX  XXXX  {$280.00} svc date XX/XX/XXXX XXXX  XXXX  of XXXX XXXX XXXX date XX/XX/XXXX and svc date XX/XX/XXXX {$550.00} XXXX  XXXX XXXX XXXX {$280.00} XXXX I have tried to get the billing office to look at the bills because I have insurance but they refused. I am in a serious way now because the family has been good to me but I need help to prevent me from having to go to a shelter that would be hard for me because right now my health is pretty good other than this XXXX XXXX and the XXXX. I can afford a income based place but noboby will take me because of this credit it is not my fault the bills were not sent for payment timely but I am suffering because of this problem.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX I noticed a charge on my debit card for a company called XXXX   in the amount of {$180.00}. I decided to contact the company and explain that I did NOT make NOR authorize a purchase from them and that I wanted my money back. 

I was told there was nothing to be done as it was handled by XXXX and that I needed to contact them. I contacted XXXX on XX/XX/XXXX and started a dispute. In doing that dispute the company sends XXXX a shipping update but says the item is intangible. How was it shipped then? What is it? I heard nothing else from XXXX. 

I decided to dispute through my bank since I saw the charge on my bank statement. My bank disputed the charge and on XX/XX/XXXX I was told that documents provided by the merchant shows the charge as valid and my dispute had been denied. I asked for the documents used and it was one piece of paper ( attached ) with some random numbers on it. I will be going into the bank and speaking with someone else regarding this matter as well. I have even offered to file a police report. 

I emailed the company AGAIN about this matter after being told to dispute through paypal etc. and that email I sent on XX/XX/XXXX was ignored. These people are crooks and have helped someone steal money from my account and I'm still having to deal with this after all this time. My bank account is NOT in good standing due to this fraudulent charge as it over drafted me and fees were assessed. They will not help in any way and it's ridiculous that I have to do all of this for a charge I didn't make nor authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
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:
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from US Dept of Ed, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2022-12-01
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 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 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 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 non-monetary relief
Consumer complaint received 2019-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, my name is XXXX XXXX and I was a victim of fraud from a scam company. I was hired for a company named XXXX XXXX XXXX, XXXX in New York. The company seemed legitimate and they sent me all the information proving that legitimacy. The company did a credit check on me and offered me a position as a XX/XX/XXXXXXXX XXXX. They were also able to check my credit card balances and told me which credit cards I should start using according to the remaining balance on each. 
They " hired '' me and told me to start a 15-day trial period using two of my  credit cards ( Bank of America Travel Rewards and XXXX XX/XX/XXXX XXXX ) to make purchases. 
They sent me 2 accounts numbers and two routing numbers from the " company accounts '' and told me to pay off these two credit cards. I was supposedly authorized with my name to add that two-account information to my online banking in order to make the money transfers to my credit cards. 
I paid my credit cards off several times with the funds they " allow me '' to transfer. My banks allowed these payments and I purchased thousands of dollars on XX/XX/XXXX and sent them to the address they provided me in XXXX XXXX ( I have the name and the address of the person in XXXX XXXX ). 
For some reason, after two weeks making purchases, the payments I did to my credit cards were reversed ; therefore, now I owe my credit cards the money I used to buy the XX/XX/XXXX. 
I would like someone to help me what other steps should I take. 
Thanks in advance, XXXX XXXX cell : XXXX email : 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 2017-12-11
Company: Med-1 Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive phone calls from XXXX saying they are XXXX  XXXX XXXX in regard to a debt collection. Recording asks me to call XXXX. I have reported this company in the past and they continue to call repeatedly. Most recent calls were on XX/XX/17 at XXXX XXXX and XX/X/17 at XXXX XXXX I have also been receiving phone calls from a local number in XXXX XXXX XXXX FL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Westlake Services, LLC
State: CA
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:
I had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XX/XX/2019 to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XX/XX/2019 and on XX/XX/2019 to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my Bank of America checking account on XX/XX/2020 and they told me that I would receive a check in the mail containing the remaining balance on the account. As of today, XX/XX/2020, I have not received the amount. When I called Bank of America today, the customer service representative told me that they can't reissue the check as they don't have a tracking number on the previous check. As a result, I will be losing all of the bank account 's funds that I am owed.

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 2019-02-21
Company: EQUIFAX, INC.
State: CA
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:
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: VA
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 don`t recognize these inquiries. I have never applied for this.I don`t have any agreements or contracts with this companies with my signature.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter out 30 days ago to transunion certified mail because they are reporting inaccurate information on an account. I feel like these jerks are taking advantage of regular people like myself.

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 2017-12-11
Company: EQUIFAX, INC.
State: OR
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 have made several disputes for this same issue. It was resolved temporally but now the same issue is reoccurring. My Child Support payments are automatically deducted from each paycheck and yet it keeps getting reported as a missed or late payment. I have the print out from DOJ 's Child Support payment schedule showing my payments are current as of last week. Why my credit score is dropping and reflects another missed payment that is false. Equifax resolved this twice already and posted my payments as 100 % on time. now its falling back 2 months in a row to 93 %. this is inaccurate and a reoccurring issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was given fraudulent wire instructions for the closing costs on a new home purchase. I submitted the wire transfer request with the bank who did not call me to authorise a $ XXXX wire transfer request. It was sent without them contacting me to verify the details on such a large transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation