BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On or about XX/XX/2022, while I was washing some video on XXXX. I receive a popup to sigh in to a free mentoring service on how to make thousand of dollars weekly through a XXXX and XXXX XXXX XXXX opportunity. After clicking to view the presentation the requested to give my personal information to see if I qualify. I did provided my information and the following day I receive numerous call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. His address XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. He was trying vary hard to get me to invest {$30000.00} but I told him that I want to begin with the {$10000.00} program. on XX/XX/2022 he insisted to go to the bank and send the money via wire transfer. On XX/XX/2022 I did wire the amount of {$7000.00}. But he was not happy because he need the rest of the money to complete my application. Therefore, on XX/XX/2022 i send to XXXX XXXX  XXXX XXXX the amount of {$3500.00}. Via ACH. Once they received the money they keep sending me email requesting more money XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ; made millions of dollars in commissions by enticing thousands of people to pay as much as {$30000.00} for mentoring services, using false claims and misleading testimonials about how much money they could make. They advertised on social media, XXXX, online news sites, and at live events, specifically targeting older consumers. These so-called affiliates helped XXXX  XXXX XXXX XXXX. swindle consumers out of millions of dollars by making outlandish and false earnings claims. 
I asked Bank of America for help and I was told that they can't help me. That I should be more careful who I send money to.

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 2022-09-03
Company: EQUIFAX, INC.
State: LA
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:
After denying access to my account and credit report immediately following filing of the CFPB complaint on XX/XX/22, EQUIFAX is NOW REFUSING to permit upload of legal DOCUMENTATION pursuant to TILA VIOLATIONS on the account with specific XXXX XXXX XXXX XXXX. EQUIFAX IS DENYING ACCESS TO UPLOAD RELEVANT TILA and LEGAL DOCUMENTATION FOR ACCOUNT ( S ) UNDER TILA VIOLATIONS AND ADMINISTRATIVE REMEDY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XX/XX/XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today  XX/XX/XXXX and there is a collection opened XX/XX/XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XX/XX/XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.

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 2022-09-03
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled my TV subscription with XXXX XXXX because I moved to different area and the new places policy was not to bring that kind of services. I contacted them that I want to cancel the service in XX/XX/2022 I forgot the actual date thats when then said I have to pay {$400.00} to do that because I upgraded to a different services and their policy stated that if I was to cancel within 2 years I will pay. I was not told about that and when I go back on the forms, I didnt sign, someone put XXXX as my signature. I refused to pay and they took money out of my bank account. I disputed it and recently I received an email from a company called Convergent Outsourcing that I owe XXXX XXXX {$990.00}.

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 2022-03-08
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting inaccurate information to my payment history for an account. 
A XXXX act # XXXX closed account is reporting : ok - XX/XX/2020 60 days late - XX/XX/2020 ok - XX/XX/2020 60 days late - XX/XX/2020 90 days late - XX/XX/2020 There is no 30 day late prior to both 60 day late charges. 

I have attached a screenshot from the equifax website with blatant error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT Wrong address:XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Wrong addressXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Correct addressXXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Please remove any other addresses. 

Correct Phone number : XXXX Please remove any other phone numbers. 

Correct DOB:XXXX Please update and remove any others.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the XXXX XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from Transunion stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus XXXX 

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.

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 2020-06-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$1000.00}. I ask that this be removed once and for all. I did try to contact this creditor and advised them I am not responsible for this debt however, they have not removed this account from my credit report which is intentionally negatively impacting my score.

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 2022-09-05
Company: Credit Karma, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
YES..I CAN NOT FIND FIRM TO CLAIM THE CREDIT KARMA ... PUTTING OUT FALSE LEADS TO CREDIT CARDS AND LOANS ... ..THEY DID THIS TO ME AND HAVE CONTINUED TO GIVE ME THESE ... YOU HAVE AN APPROVAL ONLY TO TOLD NO AND ITS MARKED ON MY CREDIT AS A HARD CHECK PLEASE FORWARD FORM ... .THEY NEED TO BE HELD RESPONSIBLE ... THOSE HARD CHECKS HAVE DESTROYED MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Before I knew my options with debt and my credit afni had harassed me with multiple phone calls. They reported the debt to the credit bureaus which affected my credit in a horrible way. I decided to final give into their harassment and paid the XXXX account on the last phone call we had afni had stated that they understood financial hardship and damage to the credit and said if I paid them it would be removed from my credit. I asked what it took to do that. I was told once payment ( {$100.00}. ) cleared they would request the bureaus to remove it. I was informed as little as 4 weeks but up to 12 to update. So I paid them around XX/XX/XXXX. Only to realize I was lied to. They dont even have the required license in Michigan. 

License # XXXX agency/non-owner manager license XXXX XXXX XXXX XXXX license # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Home Depot Consumer Credit Card from Citi Cards / Citi Group Inc. Has been horribly misleading. Customer service has hung up on me several times. 

This company put a balance of {$130.00} on my card without approval or my consent. I bought nothing in this amount. I did not authorize the charge. I agreed to nothing that would allow for this type of unfounded charge to my account. 

It all started when I went to pay off my balance in full at the store. The in-store employee told me the amount and I paid it. A week later, I realized the employee had given me an amount that was {$130.00} more than my actual balance. 

I had to learn this on my own and pursue the company. They agreed to pay me back. Then these idiots paid me back twice. When they finally realized what they had done, they decided to just put this balance back onto my card with a high interest rate without notifying me. 

Is this even legal? They should have to make a request, or notify me that they made a mistake. Instead they just attached it to my account. I keep a XXXX  balance, I have no reason to look at the monthly statements. And so for months I had no idea what they had done. I thought I had a XXXX balance! Now I 'm paying interest!?! 

This should be criminal. If anyone else has had this problem, please call me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'd like to pursue a class action lawsuit.

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 2017-08-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following is a list of hard inquires on my XXXX credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint with Chase mortgage. For months now, I send them my mortgage payment in plenty of time ( a week to 10 days or longer before the first of the month ) and they hold my payment, running up the interest. 
They responded with a blanket statement that I have a fixed rate mortgage and yet there is an $ XXXX interest charge on my statement. 
What for? 
I believe it is because they hold my payment check past the due date on purpose to run up the interest as aI am trying to pay ahead on my mortgage to pay it off. They want to keep my paying as long as they can as my interest rate is 6 %. 
I have tried in good faith to renegotiate ( refinance ) the mortgage with them, but they dodge and delay my requests. 

They say they have responded to my previous complaint with phone calls, but I have no record of them. ( I checked my phone : XXXX and there is on record of them calling me. ) I also got a letter that I was supposed to respond to by XX/XX/2022 which I did not even receive in the mail until XX/XX/2022. 

This is how they treat me. This is bad business...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX We disagree with the balanced noted on XXXX   and Experian noted as {$38000.00}. The account was open in 2006, we need to see the past 7 year history.

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 2018-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX cra violation no knowledge was taking off years ago not coming back as debt collection sent police report violation of the cra to help consumer with this remove it XXXX and experian can not stop making mistakes its destroy my life

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 2022-02-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to advise you that I am a victim of identity theft. The following account was opened fraudulently and is not mine : THE HOME DEPOT Account Number : XXXX I have tried to fix this with The Home Depot and am not getting any responses. This is preventing me from getting the credit I deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an outdoor heater from XXXX which cost {$560.00}. The product arrived late XXXX and was assembled by someone that was contracted by XXXX. The technician tried to put the unit together and said that the product was faulty because the holes in the unit were too big for the screws which compromised the unit. I contacted XXXX who said that they would get the 3rd party vendor to credit me once they received the unit. An air bill was sent to me and on XX/XX/XXXX, the unit was shipped back to the vendor. When I received my credit card bill that month, the charge for the {$560.00} was on the bill. At that time, I had no other choice but to dispute the charge since I shipped the product back to the vendor. On XX/XX/XXXX I received a letter from Barclays. The case number is XXXX saying that they could not pursue credit for the transaction because they were not provided proof of return. On XXXX XXXX I faxed the XXXX tracking number which was XXXX. It showed that the merchandise was received and signed for by the vendor on XXXX XXXX. I was able to show that the product was returned in good faith. On XX/XX/XXXX a letter was sent to me by Barclays that they are closing the dispute and they were not able to assist me in obtaining credit to my card for the following reason : " Merchant has not violated the terms and conditions of the contract. '' Unfortunately, the merchant did violate the terms of the contract since I was promised a functional outdoor heater. I am not understanding this, but the only thing I can think of is that I told Barclays that after I pay my final bill, I want to cancel my account with them since this has been a huge hassle. I have excellent credit, and have other credit cards, but I do think that I should be credited for a product that was returned. We also received an email from the merchant admitting that they had received the return and that they had advised XXXX that we should be credited the full amount. In the meantime, I reached out to Barclay 's by telephone XX/XX/XXXX. I asked to speak to a manager at that time. I was told that a manager would call me back within XXXX business days. They never returned my phone call. I do not have any other recourse at this time as I have exhausted all my options. XXXX said that since I opened a dispute they can no longer help me, but they did approve the refund after they knew that the product was defective. I am having difficulty scanning in the documents that I have. If you have a fax number, I am very happy to fax all of the documents that I have that prove my case.Please help me resolve this. 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 2018-04-29
Company: EQUIFAX, INC.
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 checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


XXXX  : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date XXXX XXXX Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax : Account Name : XXXX XXXX Account # XXXX Date Open XXXX XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date XXXX Equifax fraudulent addresse : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Transunion fraudulent addresses : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief