BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: CA
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:
There seems to be an XXXX XXXX account open in my name or a similar name to mine, and I, on the other hand, never make a late payment. I always have paid my debts, and times I do not have any cards that I was late, so this is ridiculous to let this go that far. Plus, I never opened her XXXX XXXX. Its not my account, and I do believe that this account belongs to my former roommate, XXXX XXXX XXXX, who either used my name when he opened it or just added me as a co-signer. It seems like the credit card was open in XXXX or XX/XX/2020, and its got defaulted, and XXXX or XXXX, and the credit limit shows XXXX, but the balance shows almost {$6000.00}. Would you please help me to take it off my credit report? I did try contacting credit report and agency Experian, and they twice to do told me that its going to stay the way it is, which is ridiculous. Would you please help me? Im just trying my best to live in these challenging times without any problems, and I dont need this in my life right now. Would you please 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 non-monetary relief
Consumer complaint received 2020-03-31
Company: ONEMAIN FINANCE CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out this loan in 2017 and been paying early every month and I still nearly owe what I borrowed! 
Look at amount borrowed and what has been paid. 
I didnt even take out the whole amount I was approved for, do you show that? Or are you charging me as if I had? Because for what I borrowed this would have been pain 3xs over!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Notary of home modification papers, Bank of America. More than willing to notary sign papers again for the 6th time when I receive written letter from Bank of America that this would be my last time in doing so. Told Bank of America contact, XXXX XXXX, that to contact XXXX XXXX ( contract with Bank of America to do notary ) not to call my house or come to my house to do notary ). XXXX called on Tues, XX/XX/2015 to notarize papers. I consider this as an intentional act of harassment because I told Bank of America to contact XXXX XXXX to cease all contact with me, until further notice. 
Action requested : Bank of America to inform their contract notary company to cease calling my house and do not come to my house to do so. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CITIBANK, N.A.
State: CA
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 am having issues with Macy 's. I spoke with them on XX/XX/2021 and they inform me that they are no longer collecting on my account. If they arent collecting on this then I feel it should not be on report. I have trying disputing this too and they still will not do anything also this is over 7 years old. Can you explain to me why they are still reporting this? I hope you can help resolve this issues with and get this remove from my reports

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 2020-03-31
Company: Experian Information Solutions Inc.
State: PA
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:
The investigation has not been completed. It has been well over 30 days and I still have not received a response.

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 2017-12-04
Company: CAPITAL ONE 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hard Credit Inquieries, Capital One reports that they conducted a Hrad Inquaiery on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I nevery request any credit with them, knwoing that this would hurt my Credit Score. They  refused to assist me with the removal of these inquieries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has violated the fair credit consumer act 15 USC section 1681i,. They have reported something on my credit report illegally not mine, I received a letter from this company on dated XX/XX/2019 on the letter, stating I owe a debt to them, I immediately sent a certified letter to validate the debt on XX/XX/2019 because I never had a bill or recognize this company.On XX/XX/2019 they reported the item on all three of my credit reports. It hasnt been 30 days from date of letter, an Ive never had any business with this company. Please advise them to remove this account from my reports, because it isn't mine, also they have violated the 15 USC section 1681i act.. If its not updated I will sue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good Day, hope is well. At this time I am stressed out about this account that has been hunting me for too long. I have contact over 12 different representatives, supervisors and managers that has given me the run around.

The account name is Kinum was agreed to pay cash up front and then finance the remaining balance. The remaining payments were paid in cash, debt card or credit card monthly directly to the store. After receiving a notification on my credit report, I contact the company directly. No one seem to see a remaining balance or anything going to collections. Another notification was received but yet no one could find the account beside one manager. He informed me that I had 3 payments left that were not calculated so I did not want any trouble or this account to report negative status, I went ahead and made monthly payment. The Manager assured me that once the payments are paid in full, the account would be removed from my credit report. This account was never removed from my credit report at all. It was reported to another credit bureau as if I owe another balance which is inaccurate information. 

With these action of reporting on my reports are inaccurate and very disrespectful to my character. The crazy part about this account is after speaking with multiple individuals, the account will be transfer from one credit bureau to the next as if the company is deleting the account from one and placing the account on another one. All I am asking is someone to get this right and remove this inaccurate information as soon as possible. My wife is XXXX. 

Hopefully someone will review this information fast before my wife gets upset again. 

Thanks for your time and handling this account soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: NV
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:
My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX  XXXX  9. 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 2020-03-31
Company: EQUIFAX, INC.
State: NV
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:
My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX  XXXX XXXX 7. XXXX XXXX 8. XXXX  XXXX  9. XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BARCLAYS BANK DELAWARE
State: HI
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:
I purchased 6 airline tickets XX/XX/2019. XXXX XXXX cancelled flight and offered full refund. I have received refund on 5 of 6 tickets. Barclays  MasterCard charge XXXX for ticket number 6 only refunded seat upgrade fee and not ticket price of XXXX. XXXX XXXX insists they gave to Barclays. I have been disputing with Barclays for over 9 months and just get a runaround with no return calls or resolution. 
Thank you for your assistance

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 2021-07-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Originally : XXXX  XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of 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 explanation
Consumer complaint received 2021-07-30
Company: Central Portfolio Control Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke to XXXX XXXX this morning. The account was incorrectly billed to me. They have cleared the balance and collected payment from the correct party. The collection company will not verify this and have reported as unpaid to my credit bureaus. 

The hospital contacted the correct XXXX XXXX and resolved the outstanding balance. It was the hospitals error and it has been corrected on their end. 


XX/XX/XXXX Hospital Encounter at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ServicesProvider : XXXX XXXX XXXX, MDPatient : XXXX XXXX Visit Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My rights have been violated repeatedly. I can not receive a home loan because of these alleged accounts that are reporting negatively by the CBE Group. a medical debt collector that is currently reporting XXXX collection accounts on my credit report. I have made disputes with the CBE group and with the XXXX bureau 's. The supposed investigation claims the debt is verified. 
I have had my credit report pulled three times in the past three months. Each report contains the same errors. 
For example : Alleged Account # XXXX " opened '' XX/XX/XXXX meaning the alleged account was opened XX/XX/XXXX. 
When I call the CBE Group they do not have record of an Account Opened date. They have a " SERVICE DATE ''. not one of the XXXX credit bureau 's have a " SERVICE DATE ''. CBE should n't be able to put information in what ever section they think is right or might go. 
And the " DLA '' date of last activity. Can not predate the " opened '' date. Any account must be opened before it can have activity on it. I have explained this to the CBE Group and to the XXXX Bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: PA
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 submitted a letter to all 3 major credit bureaus for deletion of accounts reported Pursuant to 15 USC 1681b-Permissible purposes of consumer reports In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it I, XXXX XXXX have never given XXXX, equifax, or XXXX  any written consent to reports anything on my consumer report. No consent is identity theft pursuant to 15 USC 1681q ( 3 ) and i demand the removal of the accounts listed in the letter sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: CA
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:
There are two accounts on my credit report that do not belong to me they are not mine I haven't applied signed or used these accounts or know what they are for or who they are for. 

XXXX - Acct # XXXX XXXX  XXXX  - Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a mailer from Citibank in XXXX offering me XXXX miles if I open a Citigold account with {$50000.00} fund and complete {$1000.00} debit purchase and 2 bill payments in two consecutive calendar months. I went to Citibank 's XXXX branch and the branch manager XXXX XXXX personally helped me open the account and confirmed I 'm eligible for the promotion once I complete the requirements ( {$50000.00} fund, {$1000.00} debit purchase, 2 bill payments in two consecutive calendar months ). Please see the attached document she provided me on the promotion outlining the detailed terms. 

I completed all the requirements in XXXX and followed up on the promotion status in XXXX. The assistant bank manager XXXX XXXX has verified that I met all the requirements and she then submitted the request for XXXX promotion miles. 

I followed up again in XXXX through Citigold online customer service but was told that there is a {$300.00} issued to my account from another promotion therefore they will not be able to issue the XXXX miles. I contacted both XXXX XXXX and XXXX XXXX questioning why the {$300.00} promotion is something I 'm completely unaware of and never signed up for. They investigated the issue but came back only stating they are not able to change the promotion I received and therefore the XXXX miles can not be issued. 

I felt completely deceived. First of all, I was never aware of let along signing up for a promotion that offers {$300.00}. I only signed up for the promotion of XXXX miles which I received in the mail, and that is the only one both XXXX XXXX and XXXX XXXX has acknowledged to me. How the {$300.00} promotion got attached to my account seems very suspicious. If this is not deceptive act then I do n't know what is. 

The value of XXXX miles is much higher than {$300.00}. I would never open a Citigold account and funding it with {$50000.00} for a promotion of {$300.00}. However it seems Citibank 's XXXX branch uses the XXXX miles as a bait tricking customer into opening a Citigold account but then switch to a much lower promotion offer. This is an absolutely dishonest and fraudulent banking practice that no customer should ever experience. 

I have attached all the email communication between me and XXXX XXXX and XXXX XXXX. Please do n't hesitate to contact me if you require any other information regarding this matter. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: ALLY FINANCIAL INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made transferred money to my account and I was told that my account was closed.

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 2021-07-30
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021 I logged into MyEquifax, and it was blank. No accounts, no personal information, trade lines, nothing. BLANK. 
So I contact Equifax, they tell me to fax a letter explaining the issue and ID documents. It will be fixed in 30 days. I do that immediately, Today, XX/XX/2021, I open up MyEquifax, and blank, Nothing on my equifax file, not fixed! 

I have attached my XXXX equifax that shows my accounts. And the XXXX blank equifax report & XXXX blank equifax report. 

If this is not corrected in 30 days or less, I will have a consumer protection attorney here in Kentucky fix it for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Yesterday in finding that Bank of America had passed my loan servicing onto another company due to their incompetence, I sent not as much a complaint as statement but now I have formulated the basis of another complaint. Bank of America has consistently proven their incompetence and/or pure disregard for providing competent services so all of this should be of no surprise. 

The basis of the complaint is that Bank of America in passing this loan on has reported 1 ) an incorrect balance owed on the account and 2 ) an incorrect status. 

Incorrect status : I have now provided BoA twice my insurance information and that includes the documentation from last year and this year and twice they have ignored at least part of it. The 2nd time I provided this was just a few weeks ago and as with the 1st time, it 's documented with the CFPB as that 's how it was submitted. This should have cleared all past amounts owed, it should have lead to the entire account being 'reset ', all fees eliminated and come with an acknowledgement that Bank of America was wrong. Instead it appears they did nothing except report that the account is delinquent subsequently leading to all sorts of threats from the new servicer. That status of the account should be that all payments have been made and is up-to-date and I have the documentation to prove all requested documentation has been provided and all payments have been made. 

Incorrect balance : There are several issues that make the balance due incorrect. The first is related to the above status and Bank of America not making necessary and proper adjustments to the account once I sent for a second time the insurance information. 2 ) Bank of America has yet to justify fees it charged a couple years ago so that means they owe me I believe it was around {$120.00} plus interest now which should be an adjustment to the loan balance. 3 ) Bank of America for quite some time was incorrectly and perhaps even illegally mis-applying my payments. I was paying twice monthly but they were holding and posting the 'mid ' payment at the end of the month. That payment is intended to pay down the loan more quickly so they denied that opportunity and by holding the money claimed more interest and held my loan balance higher. All of that needs to be fully adjusted. 

Just to be clear, these are two totally new issues, Bank of America can not claim they have already addressed these issues and also can not claim they are no longer the servicer as the basis of the complaint is that they passed this mis-information onto the new servicer. The issues are the loan balance and the loan status.

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