BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I am writing in addition to closed claim # XXXX - since then I have received a number of calls ID 'd as Bank of America XXXX It is there official XXXX number calling me repeatedly and not leaving any messages. Today on XXXX  I called BofA and spoke to two associates. The first told me that although my account had been closed last summer due to my trust in Bank of America, that it was still fraud. I spoke to some one in the fraud department who claimed he'd let the appropriate staff know my deep concern. I stated to the associate that it was a crying shame that the bank itself is unable to get a handle on spoofed/fraudulant calls, avoiding their responsibility in protecting their consumers. I am still out of {$3400.00} that was STOLEN via XXXX  by an imposter posing as a Bank of America associate. The bank blamed me instead of securing their product, making it safe for their costumers to use. It is disgusting that the bank continues to do nothing when it comes to bank scams. It should be THEIR responsibility to protect their numbers from being spoofed. I would love my money to be refunded by Bank of America, the damages done by their lack of accountability has impacted my life significantly. I could USE THE MONEY I EARNED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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've been dealing with disputing inaccurate information and accounts on my credit file with them for over six months, and still no improvements. When I log into my paid credit file subscription it shows that I have NO collection accounts, and when I call the customer service dispute department, the customer service representative also confirms that I have NO collection accounts on my Equifax credit file. But when I'm applying for credit, it reported me having a list of COLLECTION AGENCIES on my credit file. Please see the attached documents showing the inaccuracies. One document shows that there are NO collections on my credit file but when informed by other creditors, it's reported to them as COLLECTIONS AGENCIES on my credit file. The other documents will show the names of the collection agencies. I've been battling this issue for over six months and want the inaccurate information DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Bread Financial Holdings, Inc.
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:
Two charge adjustments have been added on my account. These charges were disputed back in XX/XX/XXXX with XXXX XXXX XXXX  XXXX card ( now taken over by Comenity Bank ) and credited back to my account at that time. I never made these purchases ( nor had my wife ) and dont understand how these charges were put back on my account after so much time without even an explanation. I spoke to a Comenity representative by phone on XX/XX/XXXX and gave my information regarding the charges. I also canceled both my cards at that time. I have also notified XXXX about these erroneous charges as well and was told that they will alert the other agencies.. 
Charge amounts were & XXXX and {$330.00} both dated XXXX. Started dispute with XXXX XXXX XXXX at that time. Dispute was noted on my next statement, XX/XX/XXXX. 
Never heard another word from XXXX XXXX XXXXXXXX nor Comenity until my XX/XX/XXXX statment. 
Just charging me! No mention of the dispute outcome, name of scammer, nothing! 
Very unhappy with the way XXXX  XXXX XXXX handled the change over. I just received a letter from Comenity today claiming they had sent the incorrect reward information on this change over - after they advertised at the time that the rewards were higher than XXXX  XXXX XXXX! Also, Comenity will not pay out my rewards earned on the card and XXXX  XXXX XXXX never disclosed that I would need to claim them by a certain date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: VA
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 am writing to request that you remove the following inquiries from my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRUIST FINANCIAL CORPORATION
State: TN
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:
On XX/XX/XXXX XXXX  I purchased XXXX XXXX stream service on my truist bank credit card at the XXXX XXXX store on XXXX XXXX in XXXX Tennessee. On XX/XX/, I returned the box and canceled the service. I received receipt of the returned. The cost {$130.00} has been canceled from my XXXX  account, but my truist bank credit card did not credit my account. I have sent cancelation letter to truist bank from my email sent by XXXX XXXX, print out of purchase., and another form showing canceled the next day. I also sent XXXX XXXX location and phone number where I made the purchase. All information was sent to email creditcard XXXX, bankcard XXXX and a fax number XXXXThe XXXX  merchant ( store manager ) has compromised for further assistance on this matter. Everytime I call truist bank rep or manager, they tell me something different about the claim. They also keep giving me different claim number. These are the claim number for the same case. Claim number XXXX. Claim number XXXX XXXXXXXX. Claim number XXXX. All I want is for {$130.00} to be credit back to my credit card ending in XXXX. If you need more information, feel free to call me at XXXX. My name is 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
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:
on XX/XX/ I was served with a charge from Citizens Pay for an XXXX XXXX XXXX Purchased at XXXX XXXX for a charge of {$1200.00}. It is now negatively affecting my credit report and I am hoping to have this record expunged. 
I have contacted citiens one and filed a complaint with XXXX Citiens One claims the account is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX has violated my rights. Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.

Moreover, under the Fair Credit Report Act, this information is incorrect as I do not have ANY active Bankruptcies.

This is the only credit bureau that refuses to remove these inaccuracies and it is a direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Account information incorrect

Complaint:
i have sent several letters over the past 2 years to have information deleted form my report with all three credit agencies -- - -- XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections -- -XXXX XXXX XXXX  -- - no data reported for year XXXX, then XXXX account in collections account are listed as closed -- - but have negative impact on score -ACCOUNTS NEED TO BE REMOVED DELETED IMMEDATELY HARD INQQUIEERES THAT I DID NOT APPROVE OR REQUEST

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 2023-04-03
Company: EQUIFAX, INC.
State: AK
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account name : # 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 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 2023-04-03
Company: EQUIFAX, INC.
State: SD
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Further, my personal information is incorrect as listed. 

My name is spelled XXXX XXXX, Address : XXXX XXXX  XXXX XXXX, XXXX, South Dakota XXXX. NO other names or addresses are associated with my or my consumer account. All direct violations of my privacy. and 15USC1681. You have never had my permission, written or expresses or implied to have this information.

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 an 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 2023-04-03
Company: EQUIFAX, INC.
State: WI
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 have an ongoing problem with our mortgage company XXXX ( XXXX ) which has been going on since XXXX. I had filed a XXXX  XXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX  XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX  XXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX  XXXX. 
Since my XXXX  XXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved up to 10.2 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made several attempts to have this debt removed by disputing it from the credit bureaus ( credit karma ). Back in XXXX, I obtained a XXXX credit card. I paid the bill according. In XXXX, a tv was purchased in XXXX, IA. I paid the monthly bill according. I reached out to the company back in XXXX, regarding an erroneous item placed on my account. The company assured me they would repair this. I continued to make payments. I continued to write to have this removed. Back in XXXX, I was told XXXXXXXX is no-longer an account holder. In XXXX, I was sent an old statement from Portfolio Recovery Associates , LLC claiming I still have a balance. I wrote the company asking for the original account statements to show me the exact items purchased. They sent me statements dated from XXXX and XXXX, both which are incorrect. As I previously mentioned, the last purchased item was made in XX/XX/XXXX. 
I need your assistance to have the account permanently removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As of XX/XX/XXXX, MOHELA increased my total loan balance by {$25000.00} and reopened three paid-in-full loans without any notice or explanation provided. I contacted MOHELA and was told that they could not provide an explanation. 

Prior to XX/XX/XXXX, I had paid in full all of my student loans except for MOHELA Loan # 03 ( Disbursed XX/XX/XXXX ). 

The loans outlined below were all paid off and currently show on StudentAid.gov as Paid in Full, but were reopened by MOHELA and assigned large principal balances : - XXXX XXXX XXXX, Direct Unsubsidized, {$20000.00} Disbursed XX/XX/XXXX & XX/XX/XXXX, MOHELA Loan # 1 : Paid in Full on XX/XX/XXXX MOHELA now shows Loan # 1 with a {$4600.00} balance. 

XXXX XXXX XXXX XXXX Direct Graduate Plus, {$6000.00} Disbursed XX/XX/XXXX, MOHELA Loan # 7 : Paid in Full on XX/XX/XXXX MOHELA now shows Loan # 7 with a {$6000.00} balance. 

- XXXXXXXX XXXX XXXX, Direct Unsubsidized, {$20000.00} Disbursed XX/XX/XXXX & XX/XX/XXXX, MOHELA Loan # 2 : Paid in Full on XX/XX/XXXX MOHELA now shows Loan # 2 with a {$13000.00} balance. 

In addition, MOHELA Loan # 3, Disbursed XX/XX/XXXX was increased from {$13000.00} to {$14000.00}. 

I contacted MOHELA by telephone on XX/XX/XXXX after discovering the discrepancy. Initially, the representative stated that the increase could be due to interest capitalization. However, I responded that that did not make sense to me as some of the loans were disbursed and fully paid during the COVID-19 payment and interest pause. After 40 minutes of waiting, the representative stated that it might be an error and that she would refer it for an " IDQ Update '' so that the full payment history and balance history could be pulled up and reviewed by MOHELA. She was unable to provide any additional information. 

I find this to be utterly unacceptable. I have diligently worked to pay thousands of dollars of student debt back during the COVID-19 interest and payment pause to avoid any interest capitalization at the end of the pause. I am happy to pay whatever balance I legally owe, but I refuse to be billed an additional {$25000.00} with absolutely no notice or accounting for that change. I feel that my legal rights have been severely curtailed in this regard and will be contacting my elected representatives as well as seeking out legal representation if necessary to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-03
Company: EQUIFAX, INC.
State: VA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Capital One is sending me mail at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX I have contacted Capital One about this and they refuse to correct the city/state part. It is only luck and the quality of our federal postal service that I have received any mail from Capital One. There is no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX CO. In fact there is no XXXX zip code anywhere in Colorado. Check with the post office. There is me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, IA XXXX. Can you please force Capital One to correct the city and state part of my address? Capital One customer service is so bad it should be illegal. They say they will fix it if I supply them my cellphone number. I do not own a cellphone. Capital One practices blatant discrimination against people who can not afford a cellphone and modern technology, namely the XXXX  ( which I am ) and minorities. Thank you.

Company response to consumer: Closed with non-monetary relief