BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I previously complained that Bank of America put a phony address and social security number on my credit report. The phony address that appears is XXXX XXXX XXXX, NO TOWN, CA XXXX. That address does not exist. Bank of America also listed the last four of my social incorrectly as XXXX. 

You sent this complaint to Bank of America. 

Today I received a reply from Bank of America via U.S. mail saying that the above information was CORRECT. 

How is it possible that ANY address, in NO TOWN, CA, XXXX is correct? My zip code is XXXX. XXXX is the zip code for XXXX XXXX, CA. Additionally, no such city named " NO TOWN, CA '' exists. It can't be correct. 

Apparently, someone who works the revolving door between the banks and CFPB just sent this over to BofA and BofA didn't do anything but mail that form letter to me. The form letter has no specific information on it at all. It was printed out in a batch that was sent to many complaining citizens and it just claims that BofA is right and we're all wrong. 

I assume that I have exhausted my Administrative Remedies and am not obliged to SUE THESE XXXX? I'm kinda hoping that you just have a program that forwards this message to BofA and that some XXXX there actually reads it. I fear, however, that the XXXX at BofA will be a machine, which will just generate another " we have it right '' letter. 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 2021-08-24
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants and professional collection bureau, inc put XXXX on my credit that I don't owe. I called the XXXX XXXX XXXX XXXX XXXX where they claimed the bill came from, they to me that I don't owe them any balance, that the Collector is not their collecting agency. I called Merchants and Professional collection Bureau to dispute the bill, they refuse to remove it from my credit report demanding my husband and I to pay the bill. In XXXX  the XXXX XXXX XXXXXXXX XXXX sent me a letter that their billing system was hack into and my medical records and personal information was compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2018-03-15
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is not a typical mortgage loan. Each month, a different amount is applied to the principal depending on the date I make the payment. The loan started at about {$220000.00}. I have been paying it for 15 years and my loan is XXXX. I am never late. My loan is due on the XXXX. If I pay on the XXXX, they apply about XXXX to my principal. If I pay on the XXXX, they apply about XXXX to the principal. On the XXXX it is even less. My payment is not late until the XXXX, but over the years I paid it around the XXXX and almost nothing was applied to the principal. Other mortgages I have had apply the same amount to the principal each month as long as it is paid before the deadline. Also, as the years go on, with a conventional mortgage, more of the payment goes to principal and less to interest. To only pay off {$20000.00} in 15 years is unreasonable. I have tried several times to get a loan modification or to refinance. This is XXXX XXXX I was told they don't do modification and I could not refinance because the appraiser they sent told them my house was were less than what I owed. I was charged {$450.00} for the appraiser. I also can not take advantage of HARP because this loan is not from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX XXXX XXXX credit account. 

XXXX XXXX XXXX on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 45 points. 
I worked with XXXX XXXX XXXX to resolve the issue and have then correct it at their end ( I have a letter from XXXX XXXX XXXX which confirms the correction ) .However the department within XXXX   XXXX XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. 

I also worked with experian to rectify this error by providing them supporting documentation from the bank but experian needed additional confirmation from XXXX XXXX XXXX to remove deliquency and XXXX  XXXX XXXX 's internal systems have not been appropiately synched and updated all the way through to reflect this error. 

I have been thrown in circles by both of these companies- experian and XXXX XXXXXXXX XXXX credit reporting department . XXXX  XXXX XXXX, on each call confirms that from their end the account is current and has never been late however XXXX  XXXX XXXX XXXX credit reporting department which interacts drectly with the credit bureaus has been providing experian information that account was 30 days past due in XX/XX/2020. 
This is a pure example of missing links in the process which XXXX  XXXX XXXX uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. 

I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. 

I would like to request experian to remove 30 day deliquency attached to my XXXX  XXXX XXXX credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. 

Looking forward to a resolve, I will be ahppy to provide any supporting documentation needed. 

Thanks

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 2016-06-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I refinanced my Fifth Third Home Equity Line of Credit that I had with XXXX XXXX XXXX. The check given to Fifth Third by XXXX was {$520.00} more than what was owed. My husband went into the Fifth Third branch on XXXX, Ohio on XXXX XXXX to request the funds. He was told that it would take 10 business days. 
Well, 10 business days later and now I 'm being told by XXXX XXXX in Fifth Third Customer Service that it will be 5 MORE business days. 
I would like my money + interest. It 's funny that Fifth Third can process money out of my account in 2 seconds, but it takes them 15 business days to return my money?? 
I have closed my mortgage and savings accounts. I would like to close all of my Fifth Third accounts if they would give me my money back! I have never dealt with such poor customer service in all my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Avant Credit Corporation
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Over the course of the summer, I applied for an installment loan with Avant at a 12 % interest rate. I selected a loan amount of {$11000.00} in which I thought it would be a 12 % interest rate for 36 months. On the website, the interest rate was and is hidden. Also, it is hard to tell how much you owe as well. Upon performing further research, I have learned that I am paying a 4 year loan at 34 %. I called Avant and complained about my rate and was advised I can apply again within 6 months. I waited 6 months and they said that you will actually have to wait 12 months to refinance. I have paid XXXX payments with a total amount of {$3400.00} with only paying down {$830.00} of the principal. I have a XXXX credit score and had recently applied for a pre-approval for a home mortgage, but I was denied the amount requested due to this high paying loan as it was a concern for my lender. I have performed research and have found out that this is predatory lending and I would like present my case and my loan application to be reviewed. I never applied for a 34 % Loan as this type of loan will keep individuals in eternal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
An account was opened with XXXX using my personal information. I have followed all of their requests, forwarded the police report for ID theft to their investigations team, and then a year later collection efforts began again, I contacted XXXX, who advised they provided me the wrong district for the investigation last year, and I needed to submit again to the XXXX district. I have sent the info again, and the phone number is only a message that promises a call in 72 hours, but no one ever calls. Their collection agency advises they continue to report to my credit bureaus until XXXX contacts them. this is impacting my ability to finance a car. the phone number to comcast is XXXX, fax is XXXX collection agency is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: DISCOVER BANK
State: MA
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:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ) account has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was told by the mortgage company Freedom Mortgage that they can do my loan. Made everything clear from the beginning and have email documentation proving it. They then proceeded to tell me they ca n't do the loan for the same reason they told me they could. I did not hide anything from them.

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 2015-05-13
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have recieved numerous calls from an individual who names me and says i need to return his call and that his name is XXXX. The number that came up on my caller id was different then the return call number left. I googled both numbers and found out that it is a collection company. They never said who they represented or what the call was about on the message. Just that i need to call them asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XX/XX/22 my credit card account was closed without any warning. I didn't know until I tried to use my card and it was rejected in 2 places. I did call them to ask about my card being shut down and was told to wait for the rejection letter and then I could talk to somebody for help... On XX/XX/22, I received a letter as to why and the reason is this. " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of FUTURE intention not to pay. '' Nonsense... In the meantime when they shut down my account they kept my XXXX cash back I had acquired since last XXXX and said I can't have it back. I have never missed a payment and have a credit score of XXXX. 2 times I had made an early payment where they had my payment for over XXXX weeks but didn't post it so I could use the card again. I did have large purchases but they were always paid early. I didn't care as much about the card being closed but that they took my XXXX and kept it saying that's the way it is. The agreement was that this was a cash back card and I used it for this reason. I did talk to a supervisor named XXXX and he was no help at all. Didn't explain what was happening and actually seemed bored. He hung up on me. After XXXX, I decided to call corporate. They don't really have a corporate so I think I called the main bank of Synchrony and I was directed to XXXX. He was kind but said the same that I can't get the rewards paid to me. He was going to send a request in and I was told to wait a month and call back at that time. Not enough for me. Who needs a month to help me out.

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 2019-11-22
Company: TCF NATIONAL BANK
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Its been over a year now that I have tried disputing this item off of my credit. No one can prove to me that this is mine, no legal documents have been sent to me and I need it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
During a chat session on my mobile device 4 weeks ago ( Thursday XX/XX/2020 ). One of the Amex customer service representatives cancelled my Amex Card. I did not want nor request this, Besides the fact that this has caused me great irritation as I had my Amex card loaded on most of my travel bookings, I then had to sit on the phone with the representatives for 90 minutes to be told they would let me know in a week if they are reissuing my card.Then I received a letter stating that despite this is American Expresses mistake, my card will not be reissued. They had just charged me 2 weeks earlier {$550.00} for the yearly membership ( taken in advance ), of which I had the possibility to use 3 weeks of 52. Then I had over XXXX points which by their own calculations are valued at between 1c and 2c per point. 

You can see in the attachments they cancelled my card and XXXX 'd my points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ) account has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Third party collections bought my debt, which is 8 years old - 7 years ago. They have called my home, my work & various cell phone numbers no less than 4 time a day for in excess of 7 years. They pester me endlessly. Not only does this does this debt belong to my ex husband, not me, it has exceeded the amount of time to take action on and third party collections are non enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/2016 I closed all my accounts at Fifth Third Bank due to a history of bad customer service. I asked for a check with my checking, savings, and Access 360 Debit Card balances. The bank manager only printed me a check for the checking and savings balances. She said that in order to get the Access 360 account 's money I had to call Customer Service. After this I had multiple failed attempts to get to the right customer service department to close and refund the 360 account. The balance was around {$30.00} and so I decided at that point to just give up. Then in XX/XX/XXXX I realized that Fifth Third was charging me a monthly fee for not using the Access 360 Account which I do n't have access too and they have not allowed me to close. I called them on XX/XX/2016 and was on the phone over 1 hour because the customer service representative told me that only a local branch associate is able to close this account. I explained my ordeal and she had me on hold while she was not successful in reaching a local branch representative within various local locations. She then transferred me to her supervisor, XXXX, who hung up on me. XXXX then called me back the next day telling me to call back for assistance. The bank is still charging me the monthly dormant account fees and they will not close and refund my balance. I can not spend more hours on the phone just to keep them from charging me a monthly fee. I will like them to refund me the money that I had in this account, permanently close this account, and stop any more fees from incurring.

Company response to consumer: Closed with monetary relief