BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Around XX/XX/2022, i decided to trade in my old car for another vehicle at a Car dealership. I wanted to fund with XXXX XXXXXXXX, since i had an account there, or XXXX  or XXXX XXXX. I financed with XXXX XXXX for the purchase of this vehicle. I did not give consent for any other inquiries to be made, that which include six or so financial lenders requested without my consent, and made on behalf of the dealership without my knowing. I file this dispute to remove unauthorized inquiries that show on my credit report made on XX/XX/2022, by the exception of XXXX XXXX co.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. XXXX, Equifax and XXXX  removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at XXXX. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. XXXX sent me a letter asking for my drivers license and social security card, I submitted the information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is Comenity Bank they will not stop calling multiple times a day no matter how many times I have asked them not to. They are calling me on Sunday when I have repeatedly told them not to call me on a Sunday. 

The calls are harrassing and calling from a block number is also very wrong Sunday XX/XX/2021 5 calls 1st 2 was from a restricted number XXXX and XXXX Calls 3 and 4 from phone number XXXX XXXX XXXX and XXXX Call 5 from phone number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We were part of the mortgage crisis in XX/XX/XXXX. We ended up declaring chapter XXXX bankruptcy. We were discharged of the chapter XXXX, in XX/XX/XXXX. After hundreds of attempts contacting Citimortgage to get them to foreclose, on the property, our requests went unanswered. after the property sat vacant for several years, yet still in our names we decided to do a short sale in XX/XX/XXXX, we did a short sale, with the approval from Citimortgage and the help of a lawyer. 
Sine XX/XX/XXXX, we've purchased a new home. Now we have learned that an adjacent property is going to be developing a strip mall / restaurant bar. This will be directly attached to the back of our property, making what is currently a quiet suburban area, into a loud, busy annoyance to our neighborhood. 
Due to this, we want to move, but because Citimortgage is able to report the short sale for up to seven years, we do not qualify for a new mortgage. We feel this to be completely unfair, if Citimortgage would have followed through with the foreclosure in XX/XX/XXXX, as requested, we wouldn't be in the situation we are in yet today.

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 2020-05-13
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 {$1100.00} I have contacted this company about this company. no result has been handle

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went to XXXX XXXX today to close my account after paying off the large fraudulent negative balance. I figured that when I asked them to fix the account and when the account manager picked up the phone he didn't really call who I intended for him to call. They are acting like they are contacting the right personnel when in fact they don't inform you of what they really do, instead they tell you they cant fix the problem but then go fix it and collect the fees once you either attempt to close the account of while your not looking or noticing. this is how they are running their scan not and they do it on new people in town, college students, with loans, and single females without children. I went to close the account today and they refused to provide me with proof. All I got was a screenshot faking like it would be closed. I will attach it below. I just want my money back. I haven't received my paycheck or this fraudulent amount they shifted around during account servicing. They reshuffle serving dates and times and creatively steal peoples money. I suffered personally because of what they did to me and they deserve to be caught. Banks don't respect war vets and believe that they get free money when in fact we pay for things ahead of time, everything. But because the public doesn't know this because of the way contracts are worded they never learn the truth. So they think we get free money when we actually did a lot of servitude ( slavery ). bank employees steal from us because they don't know the truth. I have never had a non federal bank account where they did not honestly try to ruin my life. I pray to XXXX you help all service members going through this. y life has been in ruins because of random bank employees since I left military service.

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 2019-02-13
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I knew I fell behind on payments with American Education Services ( AES ) and was having a hard time paying my monthly bill. In Septemper I spoke with someone at AES and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to AES. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with AES and asked if they could get my account out of default because I made a good faith payment. AES said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with AES. AES said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted AES again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and AES said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. On XX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to AES. When I got back on the AES website my account once again said I owed {$0.00}. When I called AES and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from AES. I started getting phone calls from a collection agency in late XXXX XXXX XXXX XXXX stating I owed the balance due on my loan ( {$51000.00} ). When I once again called AES they said my loan defaulted and that they no longer have the loan and that I would have to contact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed in my TransUnion credit file that its reporting that I had credit card with XXXX department store amount past due {$970.00} which I found to be inaccurate and it needs to come out of my credit file as other two credit monitoring companies did. I contacted XXXX they said they are responsible for TransUnion inaccurate information. I seek attorney advice she wants me to go through with CFPB first as this should have not being reporting in my credit file up to 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 2019-02-13
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: Old information reappears or never goes away

Complaint:
Experian has refused to remove bad debts when they say they will. Been getting my credit reports every year they all say the same thing on when they will be removed now they jacked up my bad debts XXXX extra months. Why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX and XXXX  XXXX reinserted a collection account on to my credit report from XXXX XXXX XXXX XXXX. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and equifax needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX XXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We became customers of a XXXX XXXX, a mortgage equity accelerator company in XXXX of XXXX through our mortgage company, XXXX which has since been changed to XXXX XXXX. I was made aware that actions were taken against XXXX  XXXX by the CFPB in XXXX for misleading advertisements and deceitful practices of how and when the consumers money was collected from consumer and deposited into the mortgage account. XXXX XXXX also promised an average savings of $ XXXX in interest that the CFPB found XXXX XXXX had no documentation to support these claims. A fund of {$34.00} XXXX has been set aside for customers to be reimbursed for all fees collected by XXXX XXXX. I was never notified of this finding from my mortgage company or from XXXX XXXX and was allowed to continue business until present day. I would like for XXXX XXXX to contact me and provide the reconstitution required by the CFPB 's finding to include reimbursement of all fees I have paid to Pay Map since I began doing business with them in XXXX of XXXX. I also want the two mortgage companies to understand that they should have alerted their customers of XXXX XXXX 's deceitful practices to give us an opportunity to cancel our business. I understand that my current mortgage company, XXXX, no longer does business with XXXX XXXX but never passed this information on to me, their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was cloned and used to cash {$10000.00} worth of fraudulent checks in XXXX XXXX, California at a Chase Bank. I Immediately report this fraud to Chase and they started an investigation. This was elevated all the way up to the executive office in XXXX XXXX, Texas. We were not in California at the time and always had the debit card in our possession Chase has concluded that I am responsible for this fraud committed against me and has taken steps to liquidate all my assets they were holding in addition to pursuing additional collection activity. I am also looking into retaining an attorney to possibly litigate against CHASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: BBVA FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a new account at BBVA compass a month ago ( or less than that ), and I decided it wasn't for me, and decided to just use a local credit union. I asked a rep on social media to close the account that was open for less than a month and he informed me that it would be {$50.00} ( XXXX for checking and XXXX for savings ). I do not want to wait six months. In addition, I want my account to be closed because there are so many negative reviews for BBVA and I'd just like to stick with my local credit union. I feel like this fee is unfair and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Bank of America bank account of XX/XX/2020 after experiencing fraud on my XXXX account. XXXX suggested that since their investigation was going to freeze all accounts, I should have my paycheck ( paid on XX/XX/2020 ) deposited with another institution to avoid any issues. I went to Bank of America and opened an account that same day ( XX/XX/2020 ). I received my paycheck on XX/XX/2020 in paper check form since it was too late to submit a direct deposit change with my employer and deposited it with Bank of America. I called to check on availability of funds on Monday and they told me it would be 12 days to access the funds. 

I checked with my employer who confirmed the check had already been processed and the funds removed from their payroll account. I waited until XX/XX/2020 to allow the check funds to settle with Bank of America, assuming that once they received the funds, they would have no reason to continue holding my funds. I visited a branch at XXXX and XXXX in XXXX TX and spoke with a temporary manager of the branch ( XXXX XXXX XXXX ) who said that she could do nothing. I asked for her to speak with my boss who could confirm the check, my employment, the availability of funds, attest to the fact Bank of America already had the funds, and his inside knowledge from being a former XXXX XXXX. XXXX was rude and refused to speak to my boss after I authorized him to speak with her. She told me that Bank of America regularly holds paychecks for multiple days and to just wait the 12 days. I pleaded since I had no access to any other funds that I needed it to clear as soon as possible and she did not care. 

I then emailed the executive relations team at Bank of America with the same information I am relaying here on XX/XX/2020 near the end of business. I assumed that based on the urgent nature, they would reply but after 24 hours, I received no word from them and am forced to pursue this route.

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 2018-08-28
Company: EAST WEST BANK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with East West Bank and it has taken them months to close on the loan although I was approved almost a month ago. My XXXX XXXX XXXX son and myself have been staying in a hotel for the last XXXX week being that I have no where to go and they keep missing the closing dates. They do not respond when asked for a update and give you the run around stating that someone else will follow up with up and they never do. My final closing date is XX/XX/XXXX and the seller will not extend this again.

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 2018-06-15
Company: U.S. BANCORP
State: FL
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:
XXXX XXXX closed my credit card account whom I've been with for nearly 3 years citing authorized users as risk factors. I add authorized users because they send me ads and promotions to add them for additional points, and now they decided to close the account. I've spoken to XXXX from the account restriction team and I've faxed in my social security card and lease but no one ever got back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
Complaint was filed with Consumer Financial Protection Bureau on XX/XX/2017. XXXX could not be sent complaint, turned over to goverment agency. XXXX XXXX responded that they are ceasing collection activity on this account. 
CFPB Complaint # 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