BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I sold my car to XXXX XXXX in XXXX XXXX, Iowa. They cut me a check for {$25000.00}. That night I tried depositing it into my Bank of America savings account using mobile check deposit. I woke up on XX/XX/XXXX to find both my checking and savings accounts closed. No email or text. The check was 100 % legitimate. After calling them 4 times, and stopping in to the local branch they said there is nothing they can do.

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 2017-02-03
Company: CORELOGIC INC
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Under Public Records of the " Credco Instant Merge Credit Report '' ( page XXXX of XXXX ) names a " State Tax Lien of {$40000.00} '' ; filed XX/XX/XXXX, Court Docket # XXXX. Data Source if XXXX, XXXX. This is INCORRECT INFORMATION, THERE IS NO SUCH TAX LIEN!

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 2022-02-09
Company: South East Collection Specialist
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company leaves a voice-mail insinuating that they are representing me as my lawyer. Also when I called back they wanted me to give personal identifying information to them before validating who they are or why they are calling. Also saying that they received my information from a 3rd party. I kept the deceiving voice-mail. I asked them to stop calling. I followed every rule on the FTC website and they do not

Company response to consumer: Untimely response
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I DISPUTED ITEMS ON MY CREDIT REPORT WITH ALL XXXX REPORTING AGENCIES, XXXX, AND EQUIFAX. SENT ALL DISPUTES CERTIFIED MAIL, THEY SIGNED FOR THE DISPUTES ON XXXX XXXX. EQUIFAX NEVER GOT A RESPONSE BACK TO ME AS OF YET, WHICH IS WAY PAST THE 30 DAYS ALLOWED BY THE LAW. ON XXXX XXXX THEY WERE SENT ANOTHER LETTER BY MY ATTORNEY THAT THEY WERE IIN VIOLATION OF THE LAW, AND ACCORDING TO THE LAW THEY MUST REMOVE ALL DEROGITORY ITEMS WE DISPUTED OFF THE CREDIT FILE IMMEDIATELY AND AS OF TODAY THEY HAVE REFUSED TO AND ARE IN VIOLATION OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently took a job from XXXX  as a XXXX XXXX. I was to transfer money from verified company account. The dust transfer locked my Bank of America account. I called Bank of America to see why this happened. I asked them if anything looked suspicious. After over four hours on the phone with them they told me they don't know and went ahead and re-opened my online transfer account. This happened a total of four times, with two transfers going through. The company I took the job from turned out to be fraud. Now my account is negative by multiple thousands of dollars. And Bank of America is holding me full responsible and withholding my student loans. Even though I spent a minimum of sixteen hours on the phone trying to figure out if anything looked suspicious and why my account kept locking up. I kept them included since day one. And they have been absolutely horrible since this happened.i have filed claims and done all the necessary steps.

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 2022-02-10
Company: The Outsource Group, Inc
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted 3 times by Medicare prior to receiving a statement from them. I received the statement regarding a bill from XXXX XXXX. I called Medicare and requested additional info. They said I had to call XXXX. I requested information from XXXX XXXX. I then contact Medicredit to advise I was awaiting additional information but would make a one time good faith payment of {$50.00} until I receive the requested information. XXXX at Medicare took a one time {$50.00} payment over the phone. The next day I received notification from my bank of 2 {$25.00} charges from a company name I did not recognized. The 2 {$25.00} payments were flagged and my debit card marked hot and I did not recognize the name of the company nor the amount of the charges. I had to leave work early and go to the bank to correct the problem. I called Medicredit after finding out the charges were from them. However, the charges appeared as 2 {$25.00} payments and the name of the company was not Medicredit. I asked to speak with a manager and was told I would receive a call back. I did not. I called again today. I spoke with a manager XXXX and explained I believed the 2 charges of {$25.00} to a company name I was never given was fraud. XXXX said I have 2 balances with XXXX. Their system is set up to apply the payments to the oldest bill. I advised her that I did not give Medicredit permission to make 2 {$25.00} charges. No one told me the charge would be split nor did they tell me the charge would be made under a completely different name. I gave permission for one {$50.00} charge only. I believe Medicare committed fraud by making 2 separate {$25.00} charges to my account without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XXXX XXXX I signed up for bankruptcy. Unfortunately due to financial hardship, I declined the bankruptcy option. My case was dismissed XXXX XXXX, XXXX. Equifax is currently incorrectly reporting Bankruptcy case # XXXX ( see attached bankruptcy file ). They are reporting the bankruptcy was filed in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an XXXX at XXXX on my XXXX on XX/XX/XXXX. Before the services were provided, XXXX notified me that my XXXX would be {$1500.00} and I 'd have to pay my {$500.00} medical deductible before services would be rendered. I came with {$500.00} cash ; however, they offered an interest free payment plan. I took the payment plan as it was favourable to paying {$500.00} cash on day 1. My credit card has been billed as agreed upon in the payment plan. I have also fully paid my credit card ( {$0.00} outstanding balance at each month-end since before XX/XX/XXXX, which means I have paid in line with the payment plan ). I received a voicemail the week commencing XXXX XXXX from someone stating to be employed by XXXX, which is the parent company of XXXX, stating that I have not paid my balance. When I asked how that was possible as I was on a payment plan, they noted they sit in a different office and were not aware of my payment plan. Not knowing about my payment plan seemed a bit off, so I looked into the number I was given on my voicemail and noted it was for Quality Asset Recovery, a debt collection agency! This individual, XXXX XXXX ( XXXX ), actually does NOT work at XXXX as he claimed in his voicemail ( which I am more than willing to provide ). He never once even notified me he worked for a debt collection agency. I then decided to call XXXX directly to ask about this and they stated that I, in fact, had paid every bill on time as agreed, and that the issue came from them " incorrectly sending accounts for collections '' to XXXX. 

I would also like to note that I never once received a notice from XXXX that I was late on payment. I also sent them a letter XX/XX/XXXX asking for the detailed billing for my XXXX ( as this was never produced ). It has been 2 months since that letter was sent and I am still awaiting a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX, Equifax and XXXX all improperly report my XXXX credit with only a {$1000.00} credit limit when in fact it is {$4000.00}. They report the proper amount owed but do not reflect the {$4000.00} credit limit. 

Equifax improperly reports my XXXX credit limit as {$2000.00} when it is actually {$3300.00}. They are also several months behind in reporting the correct balance owed, as they show it as {$830.00} instead of {$41.00}. 

Both of these errors lower my credit score, which is important at this time as I am looking toward buying a home. 

Thank you for your assistance in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Back in XXXX, I opened a Cd with BANK OF THE WEST,, so I had to open a checking account wich I put in XXXX dollars, but never told me it had to be XXXX To make a long storie short they would minus XXXX and put it back in my chk account, so I the end of XXXX my CD matures so, I transferred my cd to XXXX XXXX, and again had to open a ck account wich they told me I had to leave XXXX in there so, of course I did So BANK OF THE WEST had put some of my interest money in the checking account, wich overXXXX, so I was never informed by mail nor email that I had to had moneys,,,, so couple of weeks ago got a letter from BANK OF THE WEST to see if I was still around, so I send it back with my signature and dated it,, so out of my curiosity went online to ck it out so out over XXXX there was only XXXX left in there, that should of notify me that I needed XXXX in the ck account,, otherwise I would of closed if, who wants to give there money away I, m a Siniore citizen,,, I dont want or give me money away so I should of beened contacted right away,,, But I they send me notifications when they took all my interest money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Privacy

Complaint:
At approximately XXXX today, my XXXX XXXX XXXX daughter received a call on her cell phone from Chase Card Services, asking for me. I have never authorized Chase to call that number to contact me. I do n't know where Chase obtained this number, but my daughter was very upset and I feel that my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Jon Barry and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went into XXXX for a XXXX because I had a XXXX that required a prescription medication. I sat in the waiting room for over 4 hrs. Once I was called to see the doctor and told them specifically what I needed done they told me they could n't service me for that situation and that I would need to go to another location to be seen. I told them what I needed was only a prescription for the issue and to be seen to make sure that that is the issue because I was told by the pharmacist that in order to get that particular medicine I would have to be seen by a doctor. The doctor then told me that they would just write up a prescription for me without seeing me ( which is illegal ) and then I left. Now they are charging me XXXX for a hospital visit where I was never seen and given medicine that did n't even help the situation in which I originally went in for. I shouldnt be charged for services I did n't ask for such as an urinalysis and emergency room visit when I went in for a pap smear that couldnt be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: AmeriCollect
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 ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits to the emergency room in Georgia on my report I have not been to the emergency room since I lived in Kentucky in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX cable I have never had cable from XXXX the last time I had cable television was in XXXX Ohio!!! Im in the midst of trying to make a police report and get this handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Vital Solutions, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received reputed calls from, XXXX, Vital Recovery Services - They state their file number for this debt is XXXX. On 5 separate occasions they have called and I have requested to receive verification of the debt and what the debt is for. They have called dozens of times, but I have only answered 5 times. They have twice given me an email address ( provided by XXXX XXXX XXXX on XXXX XXXX 2021 ) I am required to email to request this information. I have twice emailed this email address ( XXXX ) and requested the information and have not received a response back. I received another call on Wed XXXX XXXX at XXXX XXXX and asked to be removed from their call list. The agent said he would remove me from the list and I told them any further correspondence via email or postal mail was fine, however I did not want to receive any further calls until they had provided me proof the debt which they still have not done. Today ( XX/XX/XXXX @ XXXX XXXX ) I received another call from XXXX after I have requested them to stop calling. I answered and explained the situation to the agent who did not give his name and he was very defensive about why I was not removed from the list. I told him at this point I have requested proof of the debt multiple times and they have refused to provide it and have not removed me from the list as requested. I told them I will be filing a complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
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:
XXXX needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The issue is that Equifax, XXXX, and XXXX have not removed information off of my report that does n't belong to me. I started this process with them in XX/XX/XXXX and it is XX/XX/XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I had paid for credit bureau freeze service from Equifax a while back. I was then provided with a PIN that would allow me to unfreeze my credit report and allow the Equifax credit score to be accessed by a lender. That PIN has been lost. On XX/XX/2016 - as outlined in the bureau 's procedure I sent copies of D/L and Passport and a {$5.00} check to request a replacement PIN. On or around XX/XX/2016 - the check was cashed ( cancelled check image attached ) BUT I have not received a replacement PIN as yet. I have applied for a mortgage on XXXX so I desperately need the replacement PIN. I had the same issue of lost PIN with all XXXX bureaus : XXXX and XXXX had adequate customer service to solve the issue on the same day. Equifax is an outrageous outfit that should not be allowed to earn any revenue on value added services such as file freeze UNLESS they have adequate customer service to support them. Lost PIN is a common customer experience instance and Equifax has no adequate / fair way to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX unauthorized inquiries on my credit file. Made my score drop by XXXX points. I submitted a dispute with equifax and they sent back over the results stating that the inquires are factual. I never authorized the companies I disputed permission to pull my credit file. I had a preapproval and only wanted to use XXXX XXXX. I only needed proof of my income and proof of my residence to obtain the vehicle. Why would I go through the hassel of applying to other companies when I had spoken with a lender and had an approval. The dealership did not have my permission to submit no deals on my behalf to any of the companies listed in my inquiries. I explained to them what I wanted and asked if they could not abide by the approval, let me know and I would move on. Each XXXX told me that they could submit my approval with a car and give me the final structure. Then I would get all kinds of emails stating that I had new inquiries. I never signed a credit form and never gave permission to anyone. I am attaching a copy of my preapproval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I spoke with Equifax directly on XX/XX/2017 and advised the credit reporting agency that the reported website score was inaccurate. My Equifax score was almost XXXX points higher, per my current creditors, than what was being reported online. My credit scores for XXXX and XXXX are significantly higher than the information reported on the site, even with the discrepancy in the scoring models. XXXX utilizes that XXXX scoring model as well and reported a score over XXXX on all documented creditor/credit reporting sites. Equifax has no explanation for the inaccurate information and offered no remedy during my conversation on XX/XX/2017 with their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have attempted on multiple occasions to correct an error on my Equifax credit report pertaining to a mortgage that was paid off XX/XX/2011 but is still listed on my credit report as an open account with a balance of {$440000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/XXXX someone tried to check my credit without my knowledge and created a hard inquiry that should not have happened. The hard entry is labeled XXXX XXXX at XXXX. 

There is also a XXXX incorrect hard inquiry on XXXX/XXXX/XXXX labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have XXXX removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Current Creditor on my file has been denied access to my file due to my Credit Freeze. according to Federal Law any current creditor is allowed access without consumer having to Thaw credit. I called equfax. Employee XXXX in XXXX stated I must first purchase a product before he will Tell me why current creditor was denied. I explained my rights and asked to speak to supervisor. Was only hold 17 min before I hung up. All return calls were answered in XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My  Student loan is h eld thr ough Navient and is paid through Autopay th rough their website. I recently changed  banks (   XXXX    XXXX    ),  and I added the new bank through their website. In  XXXX  of   XXXX  , I was notified I was being charged a late fee because I did n't pay my monthly payment. I called, and customer service told me they could see I made the switch, but it " had n't taken effect yet. '' I questioned the length of time, but was assured it would go into effect for the  XXXX  cycle. So, I manually made the payment on their advice so I would not be in default. I was just notified to day (   XXXX / XXXX /  XXXX    ) that once again, my payment was late. I have attempted to call 6 times - each time I wait 10-15 m inutes, and when the call is answered, it cuts in and out and I am unable to speak to a representative. I am asking for your assistance in resolving this.

Company response to consumer: Closed with monetary relief