BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My Wife and I own a commercial building in  XXXX   XXXX   CA.. We  have owned the building personally since  XXXX  and it 's recorded in our names and our trust only. Merrill Lynch and there successor Bank  of America  did  XXXX  loans against the property. In both cases the loans were made under false pretense to a company instead of us. The bank knowingly did these loans for there benefit fully knowing in both cases the loans were made securing a false asset never owned by the company. They also failed to disclosed or send final documents for the last loan done in  XXXX  and current. The bank has refused repeated requests to admit and correct this error. On both loans they have done auto payments from our personal checking account and never receive any payments from the company.  Bank of America is  guilty of false documentation and financial fraud.

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 2017-04-24
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the collection agency has repeatedly, sent me notifications to pay a debt that is not mines! I have reached out to the collection agency to fix this issue, and to report this as identity theft! I have sent the ''identity theft '' documents twice and the last time they were sent to the collection agency the documents were sent through certified mail. even thought I have disputed the debts numerous times, the collection agency continues to attempt to collect a debt that I do n't owe.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XXXX XXXX XXXX reports two late payments on my XXXX   and transunion credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.

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 2021-06-14
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CFPB, I recently pulled my credit report and noticed I have a collection account thats reporting from Conserve for XXXX XXXX XXXX XXXX for an amount of {$580.00}. I attended XXXX XXXX XXXX 2 years ago on a college grant and therefore I do not owe a balance whatsoever. Not only that, I was not sent the property correspondence from Conserve warning me ahead of time of any collection efforts before the the account was reported to the credit bureaus. I contacted Conserve on XX/XX/2021 and was told they could jot verify my identity to provide any details regarding the debt/account. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: MS
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:
In  XXXX  in was subjected to fraud. I contacted my creditor  '' s  (  XXXX ,  XXXX  and experian ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX ,  XXXX  and experian to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud.  XXXX  stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts. Experian and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   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 2021-06-14
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: Was not notified of investigation status or results

Complaint:
This letter is a follow-up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- I don't live here. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX -- -- I don't live here. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- I don't live here. Please remove. 

XXXX Date of inquiry : XX/XX/2019 -- -- - I don't recognized this inquiry. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be since i never did nothing wrong with my 14 years old account. i have not been able to get help from them for weeks but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX/XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In  XXXX  in was subjected to fraud. I contacted my creditor ''  XXXX  (  XXXX , transunion and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the transunion,  XXXX  and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud. Transunion stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.   XXXX   and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   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 2021-06-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2021 I spoke with two representatives at Experian. I asked how do they investigate and validate before they furnish and the first representative stated that they dont investigate it, XXXXXXXX XXXX does and then they report it to Experian ( CRA ). I then spoke to another representative that I was transferred too and he told me that they investigate and validate it directly with the creditor ( debt collector ). So at this point I am being told two different things. These CRA are playing with my life and it isnt okay. I asked for the phone call recording so that I could have proof when I purse litigation. XXXX stated I had to have a subpoena by a lawyer. I researched and seen where the FTC could get a subpoena and so thats what Im looking to do. These CRA are not doing there job and it is causing so much financial harm 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 2022-04-28
Company: EQUIFAX, INC.
State: FL
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 previously disputed this account with EQUIFAX, XXXX and XXXX and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I requested from the US bankruptcy Courts of Ohio how they go about reporting to the 3 credit bureaus and they sent me a letter dated XX/XX/XXXX stating they do not report to the credit bureaus. I sent this information to the credit bureaus on XX/XX/XXXX via certified letter and had no response. On XX/XX/XXXX I  called Experian to inquire if my letter had been received and was told that the letter had been received but that the information would not be put in dispute or removes, based on the fact that the fcra protects 3rd party reporters and the information obtained was public record and could be reported by any contracted reporter to the credit bureau. When I asked the young lade ( XXXX ) to let me speak to her manager for resolution I was sent to a voicemail box for ( 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 2017-04-24
Company: CITIBANK, N.A.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Prior to this incident, I enjoyed a great credit repoire with  Citi Financial . I had a certain agent that I worked with whom later was in a life threatening motor accident. I considered his as a friend. He recovered and returned and while I was requesting a short loan I mentioned that I needed to upgrade my family home in  XXXX . He suggested a larger loan. I was approved and several months later while I was in the office paying my loan, he informed me that he could give me a new loan, if I needed on my jeep up to {$3000.00}. The next month or so I " took '' him up on this offer. I asked ( as usual ) questions ensuring that this was a different loan for I had done a few title loans in the past and wanted to keep it separate from my installment loan. He assured me and I signed documentation. I did not " catch '' the incident until about 2 months later and I called but he was on permanent medical leave. I inquired of this " mix-up '' and was told that " he '' combined the loan with the earlier installment loan. I requested paperwork and submitted my signed document for title loan but never acknowledgement from  Citi Financial eve n after a year of complaint. I contacted Te xas DMV the sam e day that I discovered the " mix-up '' claiming fraud and was told that I would have to seek legal assistance in that matter. I continued to pay loans until my mental breakdown though I had hired an attorney to look into the matter a few weeks before I became ill. I believe that the gentleman did not " change '' or " combine '' the loan but they were done by the company itself. I am f/u with this complaint because I just received a letter from a collection agency concerning this matter requesting a  one year " pay-off '' of this loan for a lesser amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: SYNCHRONY FINANCIAL
State: AL
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:
Had a dispute with Sychrony bank concerning a {$160.00} Amazon credit account, received an e-mail clearing me of this error on their part. Today. When I checked with XXXX XXXX. both XXXX and XXXX had dropped approximately 80 points due to Sychrony bank filing a {$160.00} past due notice.

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 2021-12-10
Company: RIA FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
My name XXXX XXXX, phone number XXXX XXXX, address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX. Since XX/XX/2021 I have been blocked to send money by almost all money transfer companies such as XXXX XXXX, RIA etc... I called them many times because I wanted to know the reason they blocked me from making money transfer, and the agents whom I talked to, told me that they can not tell me anything because they received order. 

As I get extended family in my native country, I used to send money to help some of them. Today, I went to RIA to make a money transfer the same situation happened again. That was why I decided to make a complaint to see whether you can help me finding a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has an account balance posted with an amount. The amount posted does n't cover the interest. Why post a balance that does n't cover interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-28
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: Account status incorrect

Complaint:
XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. XXXX coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for XXXX XXXX contract by dealer. This was not my error and XXXX coverage was selected and should have covered the difference and therefore no remaining balance was due. XXXX and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX  on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  XXXX   XXXX   XXXX  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.

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 2021-12-10
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 deposited inside of a Bank of America branch. During the deposit, I kept getting questioned, but I took it as conversation. I was told my find would be a check deposit of {$29000.00} released within four days.

My funds still havent been released, but I havent received any in-mail notice telling me the hold would take longer. Now its being held way longer than a standard hold with no reason for the delay being placed. Ive called their XXXX lines and been told that they can see a reason only that deposit takes between 1-7 days when my deposit is projected longer than 7 with no explanation. 

Ive called XXXX who issued the check, and they said to do an executive call with myself, BOA, and XXXX. The branch denied doing such a call. I waited for 2 hours before being helped. 

I believe I was racially profiled, and I think I'm someone who commits check fraudkiting as it states on the federalreserve.gov website. This check is a part of a settlement, and Ive already notified my attorney of the funds being held for an unknown reason. Upon further research Bank of America does this often with does give any reason to its consumers.

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