BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of two fraudulent transactions on my Bank of America XXXX account one on XX/XX/20 for the amount of {$980.00} and one for XX/XX/20 for {$500.00}. I have been calling Bank of America to get credit for the money I was stolen {$1400.00} and seem to not care about this situation. I have been on and off with the Bank and XXXX and have already filed a police report because I am willing to take this as far as I can to get my money back. I have not been able to pay all my bills and will not be able to pay my rent this coming month, I am a single mother of XXXX children and stressed out of this crazy situation. All I know is that I need to put food on my table and need my money back and the Bank is not assuming responsibility to give me credit for the amount stolen. I have been placed on hold for long periods of time and they hang up on me, I am frustrated and disappointed with Bank of America customer 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 2021-01-15
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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting erroneous items on my credit report. The items do not belong to me. I have requested for XXXX XXXX to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to XXXX XXXX under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and XXXX XXXX refuses to comply with Section 609 FCRA. XXXX XXXX DOES continue to verify the information as accurate without complying with Section 609 FCRA. 

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. XXXX XXXX is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. XXXX XXXX is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.

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 2020-03-21
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Cant get through. For those that have gotten through all they are offering is 3 months no payment then all due in 3 months. Unacceptable Im Being punished for having good credit and never missing a payment since all XXXX and XXXX loans are getting modifications. There is no reason they cant add the 2 payments to the life of my loan at the end or take my escrow out to make payment affordable since my state is extending tax bills.

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 2016-11-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a loan out on a Car and also a Credit Card that I pay on time every month. I called the credit company and they said I have XXXX accounts and no credit history. Last year when I chacked my credit Score was at XXXX. XXXX are XXXX of the accounts I speak of.

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 2022-10-14
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX a collections was reported to my account fraudently. I dont know who has done it and I tried contacting Receivables Performance ( RPM ) about the debt but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a freeze on all three credit bureaus and yet I checked my credit and I have another fraudulent account on my credit report XXXX XXXX I have no knowledge of this account and also confused of how it is on my reoport when I have a freeze on all 3 credit bureaus

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 2015-09-18
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received several phone calls over the past few weeks from this company and they never leave a message other than breathing into the phone. Called them back today and I asked the nature of their business and they stated they " dealt with private matters and could n't reveal that to me ''. I then gave them my phone number to see why they were calling me and they claimed I owed an outstanding debt for a XXXX XXXX account ( which has already been dealt with ). I informed the woman of that and she got very belligerent, called me a liar, and stated that I owed them money and I had to pay them now or else they would be filing a lawsuit. She then demanded I confirm my address and give her my credit card information. When I told her I would n't be giving her that over the phone she proceeded to yell at me and tell me that " it 's people like you who make me sick. Just give me your information so you can pay your bill ''. I repeated that the bill was paid and that I would be reporting them and she said to please do. I also demanded they stop calling me and she said she could only do that once I confirm my address. I threatened legal action if I received any more phone calls, at that point she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on XXXX. How is this possible for an account that should not be on my credit report? 
It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.

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 2015-06-16
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
We had a Macy 's Store/American Express Credit Card and I had a purchase that I had made in later XXXX, 2015. The billing came due on XXXX/XXXX/15 and I had forgot about the purchase. I was paperless for the credit card, but never received an email or notification until the account was over 30 days past due and they had sent the card to the credit bureau. I as so angry as I had not had a late charge on anything for over 15 years. I am sure it has messed up my credit score. The lady at the card company just brushed it off saying that its not their responsibility since I made the purchase. I asked about the emails and she said they were sent. However, I never received XXXX email. They were rude and were not willing to do a thing. I have paid off the billing and have since closed the card and will never again open a Macy 's Charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance for the past few months. I recently found a late XXXX on my credit from my mortgage company not allowing me to refinance. I have contacted the mortgage company with no avail. I made a payment for XXXX on XX/XX/XXXX at XXXX. I asked for the late XXXX to be expunged since I made the payment and somewhere in the XXXX it was still XX/XX/XXXX. I asked for goodwill since I have never missed a payment in almost 7 years with this mortgage company and always paid any late fees. My mortgage is up to date and I have roughly XXXX XXXX  equity in the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Suntrust made a fraudulent transfer from one of our accounts to the other, leaving us with less than {$30.00} to survive. Here 's what happened. 
A few months back I lost my job while my husband was in the midst of looking for stable employment. We had XXXX accounts with Suntrust ; XXXX fell behind while we were trying to get back on our feet. We received correspondence from Suntrust letting us know the account was behind and by how much. We went into the branch to communicate our situation with Suntrust and to freeze that account, with the understanding we would make a payment arrangement. We also asked that the Overdraft Protection be removed from both accounts. 
We were assured that this would be sufficient to prevent any withdrawals or activity in the frozen account while we get back on our feet. Last week, we noticed a " transfer '' from the active account to the frozen one. This caused our account to be overdrawn and charged the {$36.00} fee ( which was NOT supposed to be charged since they were supposed to have removed the overdraft protection ). We immediately reported it as fraud. The XXXX was credited back. It seemed that all was well. 
This week, before paying a bill, I checked our active account, and there was less than {$30.00} in it. The entire balance had been transfered to the " frozen '' account without or knowledge or permission. 
I went to the branch to speak with the manager -- she profusely apologized and gave me the number for the credit department. It seemed that none of the efforts we had made to set up a payment arrangement had been documented by any of the agents we corresponded with. When I called the credit department, I was told there was nothing they could do. Meanwhile, our rent, and car payments are behind and in serious jeopardy. This could not have happened at the worst time. 
In short, I am reporting this because Suntrust seems to have gotten so " large '' that the right hand does not know what the left hand is doing. There is no accountability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
paying for the credit scores wont update

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 2022-10-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed that there was a charge off collection added onto my account that i havent done. I contacted the business but was unable to anyone who could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I basically Got scammed with {$250.00} there was completely no actions taken by the company no matter how much screen shots and proof I showed them as to what explains what happen and that it was problem on their end no action what so ever just telling me next time make sure I know the person when I definitely was not even trying to make a transaction using cash app in the first place and the person whome was supposed to receive the money does not even have cash app!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On or about XXXX/XXXX/XXXX the XXXX store in XXXX NY sold me on the idea of changing my cell phone and associated service plan. The premise of the sales pitch was that a combination of promotion offers and discounts I could get a new and better phone fo the same monthly fee. I would have to give up my existing unlimited data plan in the process. I accepted this proposal. 

Fortuneately we wrote down line by line detail how the resulting bill would be structured. Over the first XXXX bills XXXX deconstructed the conditions of this deal. I have retained the originally structured promised billing and email with the XXXX store employees discussing the breach of the same promised billing. XXXX baited and then switched. 

By XXXX XXXX it was obvious XXXX would not honor our agreement. On or about XXXX/XXXX/XXXX I settled my service bill and paid the balance owed on my phone in cash at the same XXXX store. This phone was reactivated the same day across town with an honorable carrier. 

It was XXXX that breached the trust of our arrangement. I believe what they are seeking is a punitive charge for the argeement that they broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: NATIONWIDE ACCEPTANCE LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I surrendered my vehicle in a bankruptcy that was discharged in XXXX of last year. The lender has refused to pick up the vehicle after repeated calls. I could n't afford to keep the car registered so the California XXXX put a levy on my bank account via the California Franchise Tax Board. I have {$0.00} in my bank account and no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four *XXXX {$960.00} XXXX XXXX XXXX Acct XXXX # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the XXXX XXXX  XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to XXXX XXXX  and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
Company: FACTUAL DATA CORP.
State: FL
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:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX  credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: UT
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 defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar. 

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education.

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with 4 young children because we can not qualify to rent anywhere or get a mortgage. 

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately. 

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.

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 2022-03-28
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CITIBANK MY CREDIT CARD COMPANY FOR BEST BUY, I AM A BIT BEHIND BUT I HAVE SPOKE WITH SOMEONE THE FIRST TIME THEY CALLED, BUT EVERY DAY I GET MORE THEN XXXX CALL PER DAY AND SOMETIME THEY DONT EVEN SAY ANYTHING. CITIBANK OUT SOURCE THEIR WORK SOMEWHERE IN XXXX OR XXXX YOU CAN BARELY UNDERSTAND THEM. BUT I TOLD THEM MORE THEN ONCE STOP CALLING ME MULTIPLE TIME I HAVE ALREADY SPOKEN TO SOMEONE. BUT THE MANNER STILL CONTINUE

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 2020-03-21
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to contact Contract Callers directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. Contract Callers are absolutely horrible. They don't even attempt to follow proper validation measures.

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 2021-01-15
Company: NAVY FEDERAL CREDIT UNION
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:
I have been trying to dispute this cc for some time now, this is not my CC it has a balance over XXXX. I am a victim of identity thief. I called the company as well as the Credit bureau, and nothing have been done. This account has ruined my life as well as my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation