BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
After experiencing financial hardship in the form of two job losses due to the pandemic, as well as extreme medical issues - XXXX, XXXX, XXXX  XXXX, and subsequent XXXX  that resulted in the XXXX XXXX of my son, who was placed in the NICU, I fell behind on my card payments. I attempted to make these payments, but was locked out of my account and required the full account number to regain access. Since my family was forced to move after two job losses, all documentation/physical bills were in moving boxes and inaccessible for a time. I contacted Bank of America on XX/XX/2020 to request help unlocking my online account and to bring my account current. I spoke with 2 customer service representatives on the XXXX, and at no point was I informed that my account had been closed as of XX/XX/2020. I discovered the account was closed while monitoring my credit report. Even now when logging in to my online account there is no indication that my account has been closed with the home page reflecting a total credit limit of {$3600.00}. Had I known on XX/XX/XXXX the account had been closed, I would have requested that day that it be reopened. I have been in regular contact with Bank of America regarding this issue, spending multiple hours on hold and finally requesting a call-back from a manager. I waited several days for this call-back, only to be told that, now that more than 60 days has gone by, the account can not be reopened. Had I been informed on XX/XX/2020 it was closed, or on XX/XX/XXXX, when I called and spoke with 2 different representatives, I would have immediately began the process of advocating for its reinstatement. My requests to open the account began within that 60 day period, only to be ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of the Wells fargo scam many years ago. When the unauthorized accounts were open in mu name. I have gotten a part of the settlement but my credit score has/is being impacted by this. I had paid the account in order to purchased a home but I need this fraudulent closed account removed from my credit report. I shouldn't continue to be impacted by Wells Fargo any more.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2020-01-18
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Selip & Stylianou , LLP Attorney at Law on behalf of Metro Portfolios , INC representing XXXX XXXX XXXX has subpoenaed my financial records and decided to collect the debt directly from my paycheck. My name is XXXX XXXX XXXX it is not XXXX XXXX this collection is illegal because it is nowhere on my credit report to be found i wasn't even given the chance to dispute the claim the uploaded court filing was sent directly to my employer

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 2020-01-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
at the beginning the payment was too high the payment was at XXXX a month me and my dad we do make that amount but it would take every thing we have also I have been tiring to remove my sister of the loan the XXXX co said it could if the loan was current but that is a problem we are both working part time and on social security the bank told me to have her give paystubs and other documents of hers but she will not sign she feels should not have to because is not living in that home please let me know if you can help me the loan was with a different bank at the beginning and was transferred over when the other bank had the loan they said I did have to use her name if she was not contributing or not living in the house but the new bank said I still do is there any way to still go and by pass her off thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Army and Air Force Exchange Service
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX XX/XX/2020 I called Army Air Force Exchange Services ( AAFES ) and said I did not open a credit card. AAFES refused to take action, and said I must call back on XXXX XX/XX/2020. 

On XXXX XX/XX/2020 I called AAFES and talked to the fraud department. They asked me to send and email and they would send the letter. I sent the email they requested. I called AAFES to confirm they received the email. The representative refused to ask the fraud department if they received the email. I insisted they ask the fraud department. The representative then checked and confirmed the email was received. 

On XXXX XX/XX/2020 I received a credit card that I did not apply from AAFES. 

As of XXXX XX/XX/2020 I still have not received the promised letter from the AAFES fraud department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
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: Their investigation did not fix an error on your report

Complaint:
I have notified you several times that I have been a victim of identity theft and these are still being reported. Please review the attached FTC report and delete this fradugelent information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a PayPal Extras Mastercard for a few years now. Unfortunately my current charges do not appear on my online account when I log into my Paypal.com account. I have contacted their customer service twice, one time by online Chat to no avail ; and, also by telephone to try and resolve this issue. Both times that I have contacted their customer service representatives I am told that there is a problem with their system, a glitch in the system ; however, this has been happening for months now. 
The person that I spoke with online Chat is XXXX ; and, by telephone was XXXX. 
I am concerned that without viewing my current activity online, I can not keep track of current balance, nor any fraudulent charges to my account. I try to monitor my credit card accounts to catch any fraudulent charges, or identify theft issues, before they become major problems. Unfortunately there are only three purchases/transactions listed online on my account under " Activities '' and those are old purchases. 
Can I get assistance with them keeping current with their online accounts to post all current activities. The last purchase that I made which appeared on my most recent statement of XX/XX/2020, is for XXXX  XXXX XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. I am not disputing any charges on my statement ; however of all the 16 charges ; only three appeared online under " Current Activities. '' Help, please. Thank you very much. 
*XXXX  XXXX XXXX , card holder.

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 2020-01-18
Company: CITIBANK, N.A.
State: CA
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:
My car was having its 2nd infotainment module replaced by XXXX XXXX under warranty because it was defective. I was given a loaner XXXX XXXX to drive because the replacement unit had to be ordered. The loaner agreement stated that any damage to the car would initiate a claim with my insurance company. The loaner windshield had lots of pits from prior Ioans. The day I returned the car, XX/XX/XXXX, the windshield cracked on my way to the dealer. Nothing hit the windshield the entire time I drove the car. I am not responsible for the crack in the windshield. 
I was informed when I returned the car to the dealer that I had to pay for the windshield because they had changed their policy. I argued that the agreement I signed stated that the dealer would file a claim with my insurance company for any damage. I was told by the Service department manager, XXXX, that the only way to get my car back was to pay for the windshield. She said that I would have to contact my insurance for a refund as XXXX would no longer file with the insurance company. The cost of the windshield was over {$1100.00}. 
I am a senior female who was bullied by the manager and who had no recourse to get my car back although I had not caused the cracked windshield. 
XXXX was found guilty of defective windshields on their XXXX and XXXX XXXX pls see Docket NO XXXX. XXXX is currently being sued for defective windshields on their XXXX XXXX  in the U.S. District Court for the District of New Jersey  - Case NO XXXX, XXXX v XXXX XXXX  XXXX XXXX . I have attached the court filing in a pdf. 
This charge is NOT valid because the windshield is defective. I have never seen a windshield crack like that. XXXX has a history of defective windshields and this current class action lawsuit shows that they have not corrected their problem. 

There are 2 pdfs attached to this email XXXX XXXX This is to inform you that ANOTHER lawsuit has been filed against XXXX for defective windshields on XXXX XXXX. It is Case No. XXXX in the U.S. District Court for the Central District of California , filed on XX/XX/XXXX. I have attached a picture from the top Class Action website with the information. 



Sent from my XXXX, XXXX XXXX smartphone Show quoted text A third lawsuit against XXXX for defective windshields was filed XX/XX/XXXX in the U.S. District Court for the Central District of California, Case No : XXXX. I have attached 2 screen shot w additional information. 
Please call me when you receive this information. 

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 2020-01-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY 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 2020-01-18
Company: RGS Financial, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the second time XXXX has sent this collection account to my credit report. It was just previously removed. This is NOT my account! I currently have XXXX! I've said this a million times now. Nothing exist proving this is my account or that I opened this account, which his why it was deleted the first time. I pay my bills, and never had a collection. Please fix this immediately or I will sue! I thought I left this nonsense in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY 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 2020-01-18
Company: EQUIFAX, INC.
State: IL
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:
CRA is continually reporting derogatory items even after police report was sent over showing these items were due to Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX is continually reporting derogatory items even after police report was sent over showing these items were due to Identity theft.

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 2020-01-18
Company: Experian Information Solutions 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:
During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and to this present day ; I have submitted several dispute letters in regards to UNVERIFIABLE public records reporting on my credit report. However, three of the items listed as public records on my credit report, were previously disputed via CFPB in XXXX of XXXX. Those items were UNVERIFIABLE due to myself being a Identity Theft victim. Those items are currently reappearing on my credit is an violation of the FCRA 611 15 U.S.C. 1681 ; and can face a penalty of {$1000.00} in civil court. 

I am a victim of identity theft. The information listed on the attached Report, which appears on my credit report, is the result of identity theft. 

I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act and notify all furnishers of this information. I appreciate your prompt attention to this matter and await your reply.

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 2020-04-17
Company: Receivable Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a medical bill go into collections with Receivable Solutions. I tried to contact them in writing ( via email ) if they had a way to make payments online. The only response i received is that I had to call them. I went ahead & mailed in a payment for {$100.00} in XXXX. Did not receive any further statement from them showing me my remaining balance & payment options. They then start calling me. No message left, the only way I knew it was them was by doing a XXXX search. I sent a 2nd email on XX/XX/20 asking how to receive a second statement and again asked if they offered online payments. Again, they refused to give me any information IN WRITING and told me I had to call. When I deal with debt collectors, I want everything in writing to know that the debt is legitimate. I want Receivable Solutions to send me an updated statement showing my balance after payment has been made. If they can not provide me with this, then I will contact the hospital 's billing department directly. 

I do not understand how a company can not provide simple answers to simple questions via email. Don't have an email address for customer 's to contact you on if you're not going to use it to answer their questions. 

Horrible customer service & it makes me question their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
My Perkins loan from XXXX University  was paid in full on XX/XX/XXXX. On XX/XX/XXXX, I received a credit monitoring alert that my Perkins loan was 30 days past due, delinquent, and being reported to a collections agency. Obviously, this made no sense, as the loan was paid in full, and I had received documentation from XXXX University, and their servicer XXXX XXXX XXXX ( XXXX ), that the loan was paid in full. I immediately contacted XXXX, and as far as they could see, everything on their end looked fine ; they told me that they had reported the loan paid in full to credit agencies in XX/XX/XXXX. An investigation on their end by an account specialist revealed the same conclusion. I contacted XXXX University 's student loan office about this, and was met with immediate hostility. I was told it would not be discussed with me over the phone, they would investigate on their own, and to send them an email with screen shots. I never heard back, and called daily to check in. Each call was again met with hostility and responses of " I don't know '' or " We have to wait for XXXX to call us back '' - there was no urgency in correcting this matter. After a week and a half I finally got a manager on the phone, who looked at my account with me and could not explain what had happened. She literally said " I can't give you a reason why this happened, because I have no idea, I've never seen anything like this before. '' She told me she'd send me a letter on XXXX University  student loan office letterhead attesting that this was an error, and would attest to this when my dispute with TransUnion reached XXXX. I had to call back several times and wait a few more days to finally receive said letter. I finally received the letter on XX/XX/XXXX. No one from XXXX University has an explanation for me about how or why this happened ; certainly no one had any urgency in helping me correct the hit to my credit report that resulted in my score going down 56 points. I have filed a dispute with TransUnion, and am now filing this, to cover all of my bases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following identity theft : XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX  For XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation