BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My issue involves the escrow department of the Bank of America. At the end of 2015 a bill was submitted for homeowners insurance that I had " NOT '' purchased. My first clue to this was when I received a cancellation notice from XXXX for non-payment. I felt sure a quick phone call would resolve this, however, the escrow department claimed they had done no wrong, and basically said that there was nothing they could do. This left me in the position of having to pay for XXXX months insurance out of my pocket to prevent the cancellation of a policy that had been in effect for well over 5 years. After several phone calls, the escrow department finally paid nationwide, leaving my escrow account very short because of the double insurance payments. 
Now they write to me saying my escrow is short, and want to increase my house note by {$75.00} a month because they gave my money away. 
I would like to know since when is it that the Bank of America lost control of the money going in and out of the escrow department, and why they refused to even try to help me with this situation. Something is very wrong here, and having my house note go up could very possibly lead to me not being able to pay for my home. Somebody in that escrow Department really dropped the ball on customer service, and the final failure to help me actually came from the department manager.

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 2017-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Bank of America made moves and transfers in my checking account and my credit card whit out my authorization, and just told me that was a misunderstood, provoking late pay fees and damaging my credit report and credit 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 non-monetary relief
Consumer complaint received 2020-09-30
Company: JPMORGAN CHASE & CO.
State: MA
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:
Hi Chase ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had a XXXX XXXX through XXXX XXXX .... It was generated for XXXX .... plus initiation fees etc .... When I finished with my term ... I was told that a credit balance was to be issued for XXXX dollars and change ... Then XXXX sold the load to University Accounting service .... When the loan was sold ... It was listed that the loan was XXXX not the XXXX there was no reflection of a payment of XXXX from everest in any of the statements from XXXX ... after repeatedly trying to get ahold of genesis, and talking to Univeristy accounting services, they will not tell me why the loans amount was changed, why they are not allowing a forbearance request while I dispute the genesis loan ... They are now telling me the loan was in default, because I told them I would not pay them until these conditions were clarified, and then I would pay interest only while my loan was being reviewed for discharge ... I am at my wits end dealing with them ... is there anything to help me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding LLC has been using illegal collection tactics. They negatively re-aging XXXX of my very old accounts, causing them to falsely appear more recent in my credit reports and to stay on my reports longer than allowed by the Fair Credit Reporting Act. They are incorrectly reporting the dates of first major delinquencies as XXXX, XXXX, and XXXX which are ALL AFTER they took over the accounts from the original creditor. The true first major delinquencies were XX/XX/2007. Thus, this collection agency is unlawfully negatively re-aging the accounts. I have not made any payments nor engaged in any activity with this collection agency nor the original account creditor since XXXX. The dates this collection agency have reported are therefore completely and illegally fabricated. I request that per FCRA requirements, these XXXX accounts be removed from my credit reports due to the original accounts being over 7.5 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to the ER in XX/XX/19 after I was injured at work I had my XXXX XXXX up where it was XXXX XXXX  after a fall at work. XXXX the company that owns XXXX XXXX was who I was working for workman 's comp is responsible for 100 % of this bill.XXXX claims management services was who handled my claim.debt recovery solutions is the company that is trying to get me to pay the bill.the debt solutions has all my info to call XXXX and get the claim # and such. They have my ssn and dob.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
XXXX continues to report fraudulent information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: SC
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 a natural person. I am a living being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have a right to privacy and I did not give Equifax permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collection agency continues to add interest to my medical debt. They ca n't provide me with the interest rate information when asked. I am told just pay this and it wo n't matter we will waive the interest when you pay us off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Asset Management Outsourcing, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving medical collection letters and although I have on numerous correspondence requested that they provide proof of the debts the company refuses to do so. The balances keep getting higher but I get absolutely no correspondence addressing my request. This is becoming a great concern for me and my family and I believe it 's a violation of the fair debt collection practices act which states that a collection agency must provide proof of a debt within 30 days and to cease collection when it is not the victims debt. There are other violations I believe that a good attorney would litigate. I am also filing a complaint against and with XXXX XXXX regarding this discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CITIBANK, N.A.
State: NY
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:
Please be advised that on XX/XX/2020 we became victims of a fraud. 
While checking my emails in the morning I noticed an email from Citibank notifying me of a XXXX transaction of {$2000.00} to XXXX. Right away I logged in into XXXX and I noticed the transaction, however the balance of the account remained unchanged. Later on was apprised that this transaction was a failed attempt. We did not authorize this transaction. 
I called customer service right away and I have been told that there was another transaction for {$2100.00} to NAME WITHELD. This one went through. We did not authorize this transaction either.

My account was blocked and when we went to the brunch to open the new account we were also apprised that the phone number on record was different. XXX-XXX-XXXX is not a number associated with our phones. We do not have any contacts associated with aforementioned phone number. We do not know anyone by the NAME WITHELD We did not do any business, purchases or any interactions whatsoever with anyone by that name. 
We had our debit and credit cards and phones in our possession on all times and obviously we did not share out credentials with anyone. 
We DID NOT authorize the transaction for {$2100.00} on XX/XX/2020 We DID NOT authorize the transaction for {$2000.00} on XX/XX/2020. 
We have been Citibanks loyal customers for over 20 years. We always believed that our money were protected in our bank! 
We filed the police report for the crime of grand larceny. The copy of the complaint is attached. 
We are asking Citibank to fully investigate our claim diligently and to credit our account for {$2100.00} stolen from us.

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 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I refinanced my Loan in XXXX of 2014. We bought the sales promotion of XXXX and tried to do a refinance through them, only to find out that every time XXXX of the banks called they would pull a credit report without permission from us, thus lowering our credit score. Making it more profitable for the banks because they would now be able to give us a higher interest rate ( conflict of interest ) So my issue with the credit reporting companies is the use of the review or a credit as a part of the formula for a credit score. This is creates a vicious circle and allows the credit companies originally developed by banks to keep you with or in your current loan. When a customer shops for a loan, they need to talk to a bank, the credit score is then pulled, lowering your credit score. 
We finally received our loan but now the credit score because we shopped to get the best interest has gone against our insurance for our home. This should not be allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2022-08-18
Company: WELLS FARGO & COMPANY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had entered into a non- binding mediation proposal with wells fargo because of the use of my credit score to profit by the bank and the opening of an unauthorized checking and savings account on my behalf by the bank. On XX/XX/2022 and on XX/XX/2022 l had sign an agreement with the bank because of the terms listed on the mediation proposal by the independent mediation service provider XXXX. Wells fargo had paid to me the sum of {$970.00} for the agreement made because of the mediation proposal. The agreement was for wells fargo to pay to me the sum of {$700.00} grossed. The sum of {$970.00} paid to me by wells fargo is a very little sum of money compared to what the mediation proposal had ask to be paid. The proposal had ask for a two year identity theft protection along with the {$700.00} grossed to be paid to me by the bank, wells fargo bank. Wells fargo had ask me to enroll in XXXX XXXX, a {$60.00} XXXX in value base upon my opinion. I had told the bank that l had enroll in XXXX XXXX  because of the lawsuit file by XXXX because. of the data breach that had occurred and the settlement of the lawsuit that was file because of the XXXX data breach. I was told by the wells fargo mediation program office and by the claim representative of wells fargo, XXXX XXXX, that the most wells fargo could offer me for my failure to procure the identity protection service offered by the bank because of my prior enrollment in XXXX XXXX XXXX offered also by wells fargo is the sum of {$200.00}. I would like for the consumer financial protection bureau to inform wells fargo of any exact amount of money owed to me by the bank, wells fargo because of the agreement made between myself, wells fargo bank and the independent mediation service provider, 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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX of this year I sent via certified mail a request to verify information on my credit report to both XXXX and TransUnion credit reporting agencies. As of XX/XX/20 I have yet to hear of their investigation results. On XX/XX/20 I initiated a formal complaint that was also sent to each of these companies to " validate '' my information listed on my credit with the original furnisher. I have enclosed a response from the US Bankruptcy Court indicating that they do not furnish any information to the credit bureaus. Further, I have requested that they ( XXXX   and TransUnion ) provide all public information that they have reported on my credit report. If they are unable to validate the information that they have reported on my credit report then I am asking that they immediately remove the bankruptcy listing that is listed incorrectly listed on my credit report. I have enclosed my correspondence to the bureaus and the correspondence from the US Bankruptcy Court 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 2018-07-11
Company: Experian Information Solutions Inc.
State: MI
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:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXXXXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX 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 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy, and further implications are of serious concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: MA
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:
Hi XXXX ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this complaint.

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