BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, my Bank of America ( BOA ) credit card information was used to make 5 purchases on the internet. I was not notified of this until XX/XX/XXXX and was only notified of 3 charges. I said I didnt make the charges and they were immediately taken off and a new card was issued. I was not notified of the other 2 charges until I received a letter dated XX/XX/XXXX. 
I spoke with BOA Fraud Department several times and received conflicting information each time. I was told to file a police report which I did and faxed to BOA on XX/XX/XXXX. A police XXXX called me and told me I have to have the location of the incident and it has to be in XXXX before they will investigate. I have been unable to obtain this information from BOA despite calls and a personal visit. I was told that all they could tell me was that the merchants billing address was in California. 
On a personal visit to the XXXX XXXX, Florida BOA branch, the manager looked up the company on the internet, called them, and told us that we had purchased a septic tank pump. Later, I looked up the company myself and discovered that when I entered XXXX, it redirects you to XXXX XXXX XXXX XXXX which is a legitimate company that sells septic tank pumps through XXXX. 
When I first tried the phone numbers provided by BOA for the merchants, they were both not working numbers. Later, I tried again and the XXXX number worked. I asked the person who answered for her name and the name of the company, which she refused to provide. She said they answer phones for many companies. She asked my name and when I told her she immediately knew what I was calling about. She informed me that I had purchased a raffle ticket from one of the merchants and entered a sweepstake with the other one. Then she stated that I would not be receiving one penny of my money back. 
Of course, I didnt make these purchases but BOA insists I did. BOA Fraud Department says they have investigated but yet they havent provided any information about the merchant or proof that I made the purchases. BOA is continuing to charge me fees and interest on the disputed amount but I will not pay it because I didnt make the charges. I havent used my BOA card in over 2 years because I use it mainly for travel expenses so I dont know how someone got my bank information. I havent experienced any problems with any of my other accounts being used.

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 2019-12-04
Company: OLD NATIONAL BANCORP
State: AZ
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:
I had a mortgage with XXXX XXXX, which was in the process of being foreclosed on when they were bought out by Old National Bank. The actual foreclosure and transfer of deed took place on XX/XX/XXXX. Old National Bank has incorrect reporting on my credit bureau stating that THEY foreclosed on me XXXX, XXXX. THAT IS INCORRECT. 

I am trying to make a home purchase and my current lender has reached out to OLD National Bank, as well as I. Old National Bank claims to have no paperwork regarding this issue and nothing has been done. My credit reports should only reflect a foreclosure from XXXX XXXX  in XXXX of XXXX. Old National shouldn't even be on my credit report!

I will attached a copy of the deed for proof. 

Please help me resolve this issue, I am trying to make a FHA home purchase and I can not until this is resolved. 

Respectfully, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company has suddenly placed a negative listing on my XXXX credit report saying they have a collection account opened on XX/XX/2017 and that I owe a balance of {$730.00}. The listing did not appear in XX/XX/XXXX, but in late XX/XX/XXXX. 

I do not know what this debt is, do not recognize it in any form or fashion, and do not believe I owe this company any money. 

Furthermore, I have NEVER been contacted by this company in regards to supposed alleged debt, or notified of any collections activity. Nothing in writing has ever been sent to me to notify me of any attempts to collect where I could exercise my legal rights to verify or dispute, before placing damaging, inaccurate information on my credit report. This is in direct violation of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 

This inaccurate, unverified information, of which I was never notified, needs to be removed from my report immediately, and the company needs to follow the law in regards to it 's collection practices and make sure debts are valid, and the consumer is contacted and given an opportunity to dispute, before reporting to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: VA
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:
I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: MB FINANCIAL, INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The bank overcharged me for a service on my debit acct. I called the bank and tried to rectify the situation : I am a XXXX XXXX and I went to their branch office and tried to put the money an ATM and the bank did not have a machine for me to put in the funds. And then, I called them and asked them if I could put the money in by the closing of the business day and they refused. I want my overcharge removed from my acct. I was not treated appropriately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 recently applied for a mortgage and received some alarming information when they reviewed my credit. There are a lot of fraudulent accounts on my consumer report that I never knew of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed some accounts on my credit report in XXXX. My social security number was breached and used by someone. Several months after this report, my husband and I decided to purchase a new home build. When we started the loan process we were told I still had accounts in dispute. This was more than 60 days after I requested the disputes. So, not only did Transunion not remove the disputes, they didn't do them in the 30-45 day window. In XXXX of XXXX my husband and I at the direction and help of our lender began requesting all disputes be removed from our report so we could close on our home in late XX/XX/XXXX. All other credit reporting agencies removed the disputed except Transunion. We have attempted almost every day to contact them via email, social media and by phone. We have received no word that they have removed the disputes. Aren't there federal laws guiding this kind of behavior?!! We are now 2 weeks past closing on our newly built home, and 100 % because Transunion has STILL failed to remove the disputes!! The state of the country today is NOT an excuse!! You have gone far over the allotted time as well as failed to follow through on the proper requests!!! Get the disputes off my record!! Do it now!!! My husband and I are XXXX  and don't have time to fight with this XXXX everyday! Do your job!

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 2022-08-25
Company: EQUIFAX, INC.
State: NM
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:
There is a false negative item reporting on my credit report on all three credit bureaus. I've contacted the creditor, and they have confirmed it's a mistake and should be deleted. I disputed the incorrect info and the 3 credit bureaus all came back saying it was verified with the creditor. I have asked for the method of verification and they have all 3 ignored me.

I have confirmed, in writing, from the creditor that they NEVER received any verification request from any of the bureaus. This is illegal and this has absolutely affected my livelihood by tarnishing my credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-10
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020, Syncb. XXXX, FL, XXXX made a hard inquiry on my credit. I did not apply for any credits or credit cards for over a year. It is an identity theft.

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 2017-05-22
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9  missed payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for year    2015  showing a payment every month to  XXXX  Web Pmt Single - Online Pm t Sls

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 2020-04-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX I authorized my parents to use my Citibank credit card to buy scooter chair for {$5300.00}. When I later saw charge on statement didnt recognize charge and reported as fraud. Citi credited my card and issues a new one. By the time I realized the mistake my mom had already been reimbursed and contacted vendor and paid for the scooter in full. Because I had wrongly reported charge as fraud I called Citi as a courtesy to tell them it was a mistake not a fraud and I had paid with another card. For some reason Citi arbitrarily charged my card again. For six months I have been calling Citibank trying to resolve. I even called the vendor and they sent me proof that the had credited my account because there records did show a double payment. I sent that proof to Citi on XX/XX/XXXX. Yesterday after 2 hours and 32 minutes on the phone with Citicard I was informed that they have closed the case and are done with it. ( I can document at least 12 phone calls which exceeded 6 hours in total ) When I demanded to talk to a supervisor they hung up on me. In short Citi wrongly charged my card, received refund from vendor and is now saying they didnt receive it and I must pay.

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 2016-04-12
Company: First Data Corporation
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( First Data ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, First Data ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from First Data about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company XXXX XXXX. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Receivable Solutions, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receivable Solutions Inc has repeatedly called even after we stated that this debt is past the AR statute of limitations for medical debt collection. The first day we spoke to them, I told them that this was past statute of limitations and un-collectible and not to call again about this debt ; they called back a few minutes later, and at that time I told them that I was filing a complaint with the government. Then calls came everyday. 
# 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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined

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 2019-12-04
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified of a collection on my account for {$640.00} from Midland Credit Management. I am unaware of this debt and I have never received any debt notification or right to dispute. Midland Credit Management has been told by CFPB not to contact me a couple years back for harassing me and calling my work for another separate debt they claimed I owed but didnt two years ago and now they are starting the process again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: VA
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:
I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed

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