BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: Debt Recovery Solutions, LLC
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 a loan with XXXX XXXX, DEBT REC SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEBT REC SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX FLORIDA ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
XXXX and BB & t accounts continue to reappear on my credit report after being disputed and resolved as being removed and deleted from my credit report from XXXX. It had caused me adverse actions and obtaining the appropriate credit I deserve.

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 2020-08-17
Company: STEWARD FINANCIAL SERVICES LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Auto loan was actually taken out with Steward Financial Services in XXXX and payments have NEVER been late until the  COVID-19 Pandemic outbreak in XXXX. I applied for ONE MONTH deferral on Steward Financial website but NEVER GOT A REPLY. Paid TWO subsequent months in XXXX and XXXX to Steward Financial through my online account. Tried to pay for XXXX and the next thing I know was that my account was de-activated without communication. Account was passed on to XXXX XXXX and I have been inundated with phone calls even at odd hours. Reported Steward Financial to XXXX XXXX XXXX  for unfair business practice and XXXX XXXX XXXX NEVER got a reply from them. There was no explanation why my account was passed on for  collection and I really feel I have been treated unfairly. I agree for the amount owed but I need to continue with my online payments with Steward Financial Services and NOT with the collection Agency. Every other businesses and corporation are working with their consumers and I do not understand why Steward Financial is /should be different. I have NOT received any communication for this change in action. No payment stubs/Account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Focus Holding Company
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Focus Receivables Management & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXXThe above listed debit collection company contacted me via letter File # XXXX referencing I owe {$130.00} from XXXX Last four digits of account XXXX. All above listed information was on letter they sent. Focus Receivables Management upon contact did not show themselves to be a legit company or any other information to provide they are not a scam but they just kept asking for personal information and this is the XXXX and only letter they sent also

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I purchased an item from a seller on XXXX. On XX/XX/XXXX, It was delivered to my address. I took the item to the XXXX. The XXXX  notified me that the item did not fit my vehicle. I then contacted the seller on XXXX. The seller on XXXX initially was not responding to me. I then requested from XXXX to send me a return shipping label. The label sent to me via email was incorrect. I then purchased my own shipping label from XXXX. The seller on XXXX signed for the package in agreement that he received the item back. I filed a dispute with my bank for merchandise returned. My claim was denied over 10 times. Ive sent in receipts, invoices, tracking numbers and messages and my claim remains denied. I have since then tried to contact XXXX for a refund. They denied my refund as well due to their policy of opening a claim outside of XXXX. Chime has denied my claim several times. My bank stated that they needed an order number. That order number was provided to them and my claim remained denied. I found the sellers personal information online and contacted him. He agreed to do a refund but XXXX is preventing him from doing such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, 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:
After initiating a complaint against Equifax for failing to respond with in 30 days. And explaining that I wasnt mentioning the names of the companies cause equifax would dispute the items in question, Instead of addressing the actual complaint, and that I would attach documents that showed I didnt recieve a response on the two separate items from Equifax untill months after they were initiated. Do you know what they said? You'll never guess. They grabbed the names of the companies out of the documents I sent, and disputed thier accuracy once again. Instead of address my actual complaint. See attached document. 

This is an investigation into an on going problem with equifax. They failed to notify me of the results of a dispute within 30days. This no longer involves the other companies. There is no reason to investigate the items once again. Equifax failed to notify me. And they refuse to address the complaint against them. 

I have brought this to thier attention 3 times now, and not once have the addressed the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Bull City Financial Solutions, 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 a loan with XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and BULL CITY ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and BULL CITY ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went to the Bank of America branch, located at XXXX XXXX XXXX XXXX, in XXXX, Florida on XXXX XXXX, 2013 to enter my safe deposit box. When I arrived, the bank personnel made me wait for about an hour while they tried to locate the signature card associated with my safe deposit box. After the bank was unable to locate the signature card, they decided to start a new signature card and allow me to enter my safe deposit box. When I opened the box I discovered all my belongings were missing. The only thing found in my box was a lock, which looked like it belonged to another safe deposit box, along with XXXX screws. ( This lock obviously did not belong to me. ) Bank of America said they would conduct an investigation, but they have been uncooperative and have never returned any of our missing items. Additionally, they have never taken any responsibility for the situation, despite the fact they have no plausible explanation for the missing signature card or the discovery of the safe deposit box lock in my box. The safe deposit box contained valuables and heirlooms belonging to my family. We want our items returned!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: KY
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 XXXX account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.

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 2022-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Chexsystem reporting incorrect information about me, however, who gave this company permission to have my information. The information is misleading and incorrect there are items are on there that were included in bankruptcy, and is prohibit me from opening an accounts. I would like for this information to remove asap.

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 2020-08-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 not able to open up a checking account. I have went to several different banks to open up a checking account and my request was denied due to adverse and negative information on my Chex Systems Consumer Report ID : XXXX, I have sent numerous complaints to CFPB in regards to Chex System reporting inaccurate information on my consumer report. Chex Systems has responded to me informing theres nothing adverse reporting on my consumer report, yet Im steady being denied to open up a checking account due to adverse information on my consumer report. I feel Chex Systems is using discriminatory practices against me which is unlawful.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There is a hard inquiry made on all XXXX of my credit reports from XXXX on XX/XX/2022. I did not give this business permission to pull my credit and believe someone tried to open an account in my name. The credit bureau told me to file a fraud report with the FTC in order for them to remove it from my credit report since it decreased my XXXX 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 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account 4 times with TransUnion mentioning to them that this account has a closed date of XXXX/XXXX/XXXX and a last payment of XXXX/XXXX/XXXX according to the state of CA statute of limitations this account should be removed from my report 7 years from the date of first delinquency. I called TransUnion they say the date of first delinquency on file is in XXXX which makes no sense because if the date of the last payement was XXXX/XXXX/XXXX then the date of first delincquency should be XXXX/XXXX/XXXX OR XXXX/XXXX/XXXX somewhere around there. I have also called XXXX about this account and right away they tell me before I am able to say anything that this account may be not be within the statute of limitations anymore and that any payments to the account may restart that time frame and asks right away if I would like to make a payment. I told them the reason for my call was to get information on the account ( ie statments, letters, anything ) they tell me that they can not send or see any information on the account they can only apply a payment to the account.

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 2016-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received notice from TransUnion yesterday by mail that there had been an unauthorized access to my credit file. When I called them, I learned that someone had requested my credit report on line and TransUnion released it to them. They only discovered it as a fraud when the credit card used to pay for the report was rejected by the card company. Ap- p- parently the report was released before payment was confirmed. Aside from offering to place a fraud alert on my account, TransUnion offers no other help in dealing with this problem. They would be willing to put a freeze on my credit report, if I will pay for it. My complaint is that they expose my information and then take no responsibility for the consequen- ces. I believe they should provide more support, at no cost 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 2022-06-01
Company: First Help Financial, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Title was initially requested in XX/XX/2022 once loan was paid in it's entirety. I was told to wait two months. Did not receive title nor update. I called again in XXXX, was told to wait a few weeks for title to be received. Once again did not receive title through mail nor any communication or update. I called again on XX/XX/2022 and was told the title was never requested. So I have to wait two weeks for title to arrive to them first before sending it to me. I have now stopped getting responded to through the customer chat service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: PA
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:
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 am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 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 cause me. 
my information was also impacted by the Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to the intentional withholding and misrepresentation of material information and status related to a Deed of Trust, mortgage, or real property Dual Tracking has occurred causing the unlawful recording of a Notice of Default ( NOD ) resulting in the unlawful sale of any debt that may be associated with the 2007 Deed of Trust causing a Trustee 's Deed to be recorded. 

The purchasers of the debt are now claiming ownership of my property and are threatening to bring legal action in California Superior Court to have me evicted from my home. But for the unlawful actions taken by Bank of America and their Trustee, XXXX XXXX XXXX XXXX ( XXXX ), I would not currently be facing life on the streets and worse as a XXXX homeless person. And all because Bank of Ametica simply did not follow the rules. 

I did not default on Bank of America ; Bank of America detailed on me. Furthermore, Bank of America has sold my home right out from under me thereby defrauding me of my real property. No matter how Bank of America tries to spin this, I did not defraud Bank of America. 

Smart phones got apps. Consumers got Acts to protect them from companies that refuse to do the right thing or act within the limits of the law. 

All previously mentioned resolutions are desired and mandatory.

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 2015-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
i made XXXX purchases at XXXX and the XXXX purchase is fraudulent the clerk used my card fraud and i disputed and bank of america keeps charging me for this in violation of the fcba this has been going on for 5 mos now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I want to refinance my mortgage under the HARP program, but everytime I call Bank of America they tell me I am not qualified, but will not tell me why. In 2009 I applied for a HAMP modification and got the royal run around from Bank of America. I was told at an annual salary of {$75000.00} that I did not make enough money, then I was told I made too much. Finally, I got my congressman 's office in Virginia involved and while I got a modification, it was bank proprietary and turned my conventional mortgage into 40 years. Please help me. If I am not qualified, then please advise the bank to tell me why. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We recently closed a refinance loan with Bank of America. When I received the HUD-1 settlement statement, it did n't match the GFE for the origination charges. As the HUD-1 specifically states that these charges can not change, so I notified BofA. After nearly a week, someone finally responded to me, but nobody has been willing to provide a resolution to this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XX/XX/23 got charged with XXXX x XXXX for gift cards and XXXX for XXXX pizza. All fraud. Bank of America declined the pizza and one of the gift cards but two of the gift cards ( {$600.00} ) went through. I am stuck with a {$600.00} charge that is fraudulent on my account and BoA has not credited my account and is currently researching the claim. I have filed a police report in XXXX XXXX NJ.

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