BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for a mitigation loan. The bank said I didn't qualify. I got a mediator through the state of Ohio. Their lawyer called the bank during the meeting and was told I did qualify and everything was turned in on my end so it never shoukd have gone to foreclosure. They said they would do a title search and then the loan would be approved. It never should have gone to foreclosure as I did qualify. They never did the title search and sent it to a sheriff sale. When I found out I called their lawyers and the bank and they did the title search and stopped the sheriff sale and approved the loan. However they added a high amount of fees for this process and now I have a silent loan on the house in addition to my other loan. I need help because I have tried and they keep saying they were correct but the state and their lawyers have records that I qualified and had nothing more to do on my end. They added all these fees. They tried to take my home in a sheriff sale when they failed to do my title loan. They keep ignoring and excusing me and I need help. I should not owe all those fees. I signed the documents as I would be homeless without it but I had no understanding of what was going on. Can someone help me please. I can't fight a big bank on my own and this has been years of me trying. I don't want it to be too late.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached an FTC report with inquiries I did not authorize and need to have them deleted

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 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital one is putting negative remarks and balances stating that I owe on my consumer report. They removed the negative remarks once before but placed them back on my consumer report. I am demanding that capital one properly remit 1099c so that I can properly complete my tax returns because all cancellation of debt is suppose to be on my 1040. I am instructing capital one to send me my copy of the 1099 B for both XXXX and XXXX for documentation for the debtor that they have transferred it over to the treasury. I am also instructing capital one, XXXX, XXXX and XXXX to update my consumer report and score with concerning capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act Account XXXX XXXX  Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # XXXX # XXXX, XXXX, XXXX Account XXXX XXXX # XXXX, XXXX, XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called in a few times in XXXXXXXX XXXX XXXX to please update the information accurately to my credit report that I paid XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 on time and in full and they ignored me and told me that my mind was playing tricks on me and that I am crazy. I asked for a manager and it hung up on 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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, please see documents attached for more details. I hope you can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: FL
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:
I have fraudulent inquiries on all three of my credit bureaus that I do not recognize or I didn't authorize I have a identity theft report attached with all the fraudulent inquiries

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 2022-06-26
Company: EQUIFAX, INC.
State: FL
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:
I have fraudulent inquiries on all three of my credit bureaus that I do not recognize or I didn't authorize I have a identity theft report attached with all the fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase has wrongfully bought insurance and billed me for it. I have several copies of emails to you showing the documents they need as proof of insurance for my condo under the master policy which I have repeatedly sent them. Please refer to all my emails sent to XXXX as per their mailed letters. Their automated response keeps telling me I will hear back in 5 days. However this never happens. Tired of chasing this matter and paying unnecessary/duplicative insurance premiums. This is flat out negligence and abuse. Zero customer service as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have tried to call and visit Bank of America to get my new checking account setup to pay my credit card bill multiple times and have not gotten clear answers on how to pay my bill and been stuck on hold for extended periods of time trying to reach various agents as many were unable to resolve this issue. I could not set up my account on the website or app because it stated my account was ineligible for bill pay. When BOA agents finally were able to help get my payments working I was then hit with a late fee and told that it can not be removed even though the reason for the late fee being assessed was because I was unable to add any payment method due to error on the bank 's side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I received 7 letters in the mail that my banking institution, Bank of America, would be closing my accounts ( 10 total : Personal, Student/Minor, Credit, Savings, and Business ). There was no reason given, only a XXXX # to call stating, " we're here if you have questions ''. After calling twice and selecting different prompts, there's only a recording stating they've made the decision to close my account and the decision can not be reversed. No live person took the call, no matter what prompt you select. I went into my local Branch and the Manager sat with me and could not believe they would close accounts without reason. He too called the XXXX # and got the same recording as I did. After calling a different number, he spoke with someone who told him she would look into it. After XXXX minutes, she told him the same thing the recording and letters said. With no reason given. As a longtime customer of BofA, with multiple accounts and all with good standing, I'm appalled at the lack of transparency. As a minority woman small business owner, I'm disheartened to be left in the dark. The emotional stress of trying to move my company assets, ensuring my guys and gals are paid in a timely manner, ensuring I'm able to receive money - this has been an emotional strain on not only myself, but my family as well. Although the letters state I have 21 days I logged in on XXXX to send my statements to my Accountant, and multiple accounts are no longer accessible. They're not even showing on my account. I've had to call and ask for them to mail me my statement. It's been 6 days and my accounts are already closing and disappearing?! I'm so far from understanding this.

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 2022-06-06
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX who works for Kinum IncXXXX and has claimed other company names, has called to collect a debt exceeding $ XXXX that he claims is owed by my Mother, who is a senior citizen with memory issues. He was rude, threatening, and spoke horribly to her resulting in severe anxiety and fear - HE WAS VERBALLY ABUSIVE TO HER. He then called me and had the same tone about a " debt '' that was never owed or delinquent, and has been resolved by the pharmaceutical company, XXXX XXXX XXXX ( contact VP XXXX XXXX - XXXX ) I'd like to file a complaint on all of the companies that XXXX claims to work for as well as XXXX himself. He states a various company names when he introduces himself : XXXX XXXX is the most recent : Kinum , Inc. ( XXXX ) XXXX XXXX XXXX # XXXX XXXX, IN XXXX Kinum, Inc. ( XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Bank of America XXXX XXXX is not giving me credit, for XXXX XXXX charges, made to my card, for the months of XX/XX/XXXX ( two charges of {$55.00}. each ), XX/XX/XXXX XXXX charges of {$55.00}. I convinced them that the XX/XX/XXXX charges should be given me. Each time my card was billed by XXXX, I called BOA, and asked the agent to file a dispute for me. In XXXX and XXXX- the agent said they would, but did not follow through. 

In XXXX, I tried to activate an XXXX XXXX, for XXXX XXXX service. I called the XXXX XXXX number on the card, and told the agent what I needed to do. She said I needed to sign up for auto pay, and I gave her my credit card details. I asked for the telephone number assigned to the device, and she said I had to call another XXXX number. I was never able to get thru to an agent, on the other XXXX number, because it wanted the phone number of the device I was calling about, before it would connect me thru to a person. 
Obviously, I did NOT have a phone number -- I was calling to get one. 

I call XXXX XXXX, and explained the problem. The charge was in pending status at that time, and the XXXX XXXX  agent said, that it wouldn't charge without a phone number, and would drop off. I was charged, twice in XX/XX/XXXX, and I called XXXX XXXX  then, and asked them to file a dispute over the charges. The agent said he would file a dispute - no dispute however was filed. 

I was charged again on XX/XX/XXXX, and called again, and asked that a dispute be filed, and I again explained the problem. No dispute was filed. In XX/XX/XXXX, XXXX again charged my card. I called XXXX XXXX and the agent ONLY filed a dispute for the XXXX charge. I am due {$220.00}. in credits, for XXXX 's eroneous charges. 

I filed a complaint against XXXX with FCC.gov. The FCC gave me ticket number XXXX. The entire problem was also documented to the FCC. 

I want BOA XXXX XXXX, to refund me the full {$220.00}. which I am due. I complained at each XXXX billing. And their agent refused to file a dispute, except for the agent I contacted on XX/XX/XXXX. 

DETAILS of CHARGES : XX/XX/XXXX - 2 charges by XXXX XXXX -- {$55.00} charges -- reference number XXXX and XXXX. 
XX/XX/XXXX charge by XXXX of {$55.00}. reference number XXXX XXXX XXXX XXXX charge {$55.00}, did receive credit for this one of {$55.00}.

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 2022-06-26
Company: Ocwen Financial Corporation
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: Investigation took more than 30 days

Complaint:
I had a mortgage, there were two accounts attached to one from the beginning.then I refinance it, but only one mortgage was refinanced.i had stop the auto pay, as the requested.then I was reported to the credit bureau as a late payment in XXXX, XXXX, XXXX. First, the mortgage company never told me that there erred only doing one. Found out after all was done. Then the second account was left on its own. The second account reported.me to the credit bureau because of the late payment. I been battling this for years.i had auto pay, through out the rides I had a mortgage.never was I late. The send mortgage, did not care.i even paid it off.i was single back and forth with both companies.i work hard, and paid my bills, I have never been late, this was an issue of them!! Why would I be late? I had auto pay.they cancell it, cause they said it should be done. You will see in my docs. The date, time, of mortgages, and credit reports, which shows the time line.furthermore, I had fraudulent credit cards being applied on my behalf.thats the reason I had those reports.in it, shows all payments, the both mortgages, and my auto pays. It's incredible what they have done ro me.but now I'm tired of no one helping, and so., I'm doing this compalint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: GA
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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: GA
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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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