BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was issued a refund by XXXX XXXX on XX/XX/2022, for {$280.00}. This refund was issued to a closed business checking account. The refund was processed successfully. I contacted Bank of America so they could issue the refund via Check. They stated they hadn't gotten the funds even though I confirmed the refund was successfully processed by the merchant.

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 2023-02-13
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
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:
Genesis credit management reported a collection to my XXXX and XXXX credit report. This account ( copperwood apartments ) was included on my XXXX XXXX XXXX bankruptcy. I've called and given them the proper paperwork XX/XX/XXXX. XX/XX/XXXX I called and the confirmed the account was closed and they would remove this account from my report completely. This account is still on my credit report but it is showing no balance. I need it removed completely as it was discharged and and to raise my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Diverse Funding Associates LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a request for information for an alleged debt XXXX XXXX is attempting to collect allegedly owed to DNF Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did call to pay off the total debt amount for the card and requested the account to be closed as well. I did pay exactly the remaining amount they said it was needed for it be closed. Next month, they were calling me again saying I own late fees claiming the last payment was made a day after ( which I dont believe ), even though is not my fault they provided wrong information with malicious purposes to keep charging me. I refused to pay money I dont own to them and well they sent me to collections and have TWO accounts against me. They justify their mistake saying the assessor who supposed to close the account was fired for his mistake, but didnt changed the status of the account and the amount is being increasing with the time, amount build by itself as late fees only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
i got a cedit card from capital one master card someone uesd my account to get some food i called and told them that someone ordered food so they sent me another card i did not get the card they sent another card they uped my credit limit from XXXX to XXXX i used the card once tryed to use it again and they had closed my account they put me in the credit bureau closed account owning XXXX they closed the account XX/XX/XXXX i was making all of my payments on time i had been paying capital one for XXXX XXXX on a closed account i stop paying them in XX/XX/XXXX i pay my bills on time i cant even get a credit card this has made my life bad i cant get any credit because of this i have call and called they cant tell me what happen at first they said i had a return payment i have bank records that i payed on time if it was fraud why would i have to pay i dont know whats going on i need my credit fixed and my money back for paying them for XXXX XXXX on a closed account and its still on my credit report as closed account they are sending letters that they are going to send me to collections its already on my credit as being closed they are trying to really do me bad the first how a second time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Self financial closed account and fraudulent activity sending information to credit reporting agencies trying to keep credit scores below XXXX to keep me from buying a home I think XXXX  may be involved I was sent information to transfer money from one account to another once I made the transaction my account was closed to prevent me from paying with my other account I have reported Self financial to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern at CFPB, I need your assistance my home is in the process of possible foreclosure due to nonpayment according to Carrington Mortgage company this is false. I have all bank statements of cleared payments every month with the exception of one or two payments due to XXXX XXXX and unemployment. I have paid every month with diligence. I have always paid through my current bank for convenience. I have noticed my payments were not getting cleared after submission they take a week each time. and each time placed late fees. I tried their website for fast payments it does not facilitate access it is stating there is something wrong with the account number. As of XX/XX/XXXX, they have stated I have not submitted payments or back pay owing the amount of {$10000.00} which are false statements. In my 20 years of being a homeowner, I have not had to deal with such poor management of consumer finances. A, XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX has contacted me by mail in XX/XX/XXXX, attorney representatives of Carrington Mortgage, to address the missed payments. At their convenience, all of my payments have been fraudulently placed as late or missed. I have ALL of my bank statements stating this is false. I have called the attorneys for Carrington and submitted all statements and disputes. For the Month of XX/XX/XXXX, I submitted my payment as usual, and 2 weeks later it was refunded. Why? So, I sent another payment ( by mail and original check ) on XX/XX/XXXX obviously late, it is XX/XX/XXXX and has not cleared through my bank account. Where is my money?? If there is anything possible to correct this I am more than appreciative. This company is horrible and needs to be eliminated from the Lender 's list they are not here to help anyone. 
Best regards, Concerned Mortgage payor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, a series of 4 consecutive unauthorized transactions amounting to {$9900.00} were made on my XXXX account. I immediately contacted my bank, Bank of America, and told them the transactions were not authorized by me and should be halted immediately. The bank told me that they would open a fraud claim immediately. What I found strange, and communicated to them, was that I received no alert of the transactions. The transactions were not shut down by my bank, even though they were clearly suspicious in nature. The way I found out was by checking my bank account. Before that time, on another occasion, I made XXXX transaction, around {$700.00}, which was significantly less than either of the 4 transactions but my card was declined as the bank found it suspicious. Why did the bank not do that in the case of the 4 unauthorized transactions? Over a month later I received mail from the bank claiming that 2 of the transactions, amounting to {$5300.00}, were authorized by me. I contacted XXXX to hear what they had to say. I was told by XXXX that my account was compromised, that they have a record of proof, and that I should contact my bank so that they could contact XXXX for verification that what I said is true. I contacted Bank of America multiple times and was told that they would look into it. Yet, they never reopened the claim and made it extraordinarily difficult for me to dispute the decision and make an appeal. I was basically told that the decision had already been made. One employee from Bank of America was able to start a new claim and leave a note to the investigator to contact XXXX on XX/XX/2022 ; however, the claim was closed about a week after under the premise that it was " already resolved. '' No effort to look at the new information was made. In fact, I contacted XXXX again and was told that the bank made no effort to contact them despite my instructions. So, XXXX provided me with a written statement saying that all four of the transactions were not authorized by me as my account was compromised. I submitted supporting documentation that serves as proof that the transactions were unauthorized 2 weeks ago. I have yet to receive any updates on the situation. More than a reasonable amount of time has passed. I have been making efforts for months to get the bank to cooperate yet they have been doing the bare minimum. I have been in constant contact with XXXX and they have been much more cooperative. They provided me with documentation and said that the bank should contact them yet the bank has not been cooperating at all. The bank pretended that they didn't know how to contact them, even after I provided them with a reference number and email. They simply did not want to contact XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX aka XXXX, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my Transunion credit report, they indicate that I had a high balance of XXXX in XXXX  which is in accurate.

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 2023-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Yes I opened an account at wells Fargo Bank with A fairly Large Cashier 's Check in the amount of. XXXX dollars the only large withdrawal I made was in the form of a cashier 's check for the amount of XXXX dollars. I did withdrawal another XXXX from the account which left me a balance of XXXX. All of the sudden I am receiving a letter that my account was being closed. Their is no way in God 's Creation this should have happened. The dates I am referring to are from XXXX XXXX to XXXX XXXX. These are the dates I can remember. I did go into the bank and inquire about this but never received an answer nor was I shown and withdrawal receipt that this money was taken out of my account. The Wells Fargo manager supposed to start an investigation but I was never informed of the results nor was the missing money returned to me or proof provided I authorized and further transactions.

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 2023-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am under an agreement payment with this debt collector since XXXX of 2022. However, they haven't done anything to verify the credit bureau. It still shows on my credit report that the debt is still the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This company has reported two late payments on my account that were caused by their own application malfunction. For weeks I havent been able to connect my bank account to their system via their app because of an error message that I continually received. Then at some points I couldnt even access the app at all, it would just glitch over and over ( see attached ) Once I finally was able to connect it to make payment it was marked as late. I paid it all off and still cant use the app to this day. They have refused to remove the late payments even though it was not my fault

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$6200.00}, XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have one address all my life and that address is XXXX XXXX  XXXX XXXX XXXX Florida zip code XXXX if their is any other address associated with my name it is false and needs to be removed from my credit report I believe this to be fraudulent information that is hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX holds a personal account at Capital One. 

I was approved for a 1st and 2nd draw of XXXX and my loans were deposited by my lendor XXXX XXXX into my Capitol One Bank account XXXX account number : XXXX ) on XX/XX/XXXX and XX/XX/XXXX respectively. Capital One has told me that XXXX requires a business account in order to access my XXXX funds. However, as an independent contractor, I have the right to receive XXXX and do so in my personal bank account.. On XX/XX/XXXX Capitol One requested I send my XXXX Tax Returns and a bank statement showing tax refund deposit, which I did and then on the following day, I confirmed Capitol One had received these documents. I was told to wait until the investigation was over and then received a letter on XX/XX/XXXX that my account had been closed. After calling Capitol One I was told my funds were sent back to my lender, XXXX XXXX. XXXX XXXX XXXX  has no record of the funds being returned. 

On XX/XX/XXXX I returned to XXXX XXXX  with the attached letter and supporting documentation showing that I can receive these funds in my account and Capitol one refused to receive my documents and once again informed me that they no longer had my funds but could not give a date for when the funds would be delivered to XXXX XXXX. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Account information incorrect

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. BLOCK AND REMOVE IT.

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 2022-11-02
Company: EQUIFAX, INC.
State: CA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Bureaus have not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Statuses of XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance XXXX {$3000.00} I believe these accounts were reported in error.

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 2023-01-07
Company: EQUIFAX, INC.
State: GA
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have a XXXX  XXXX account that has been paid off for over 7 years. I need them to remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information 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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are negatively affecting my credit report and costing me XXXX XXXX XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.

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