BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is my third complaint against Bank of America. They ( without any notice or warning ) closed my account. I had reported them to the CFPB, XXXX, FDIC, and filed police reports against them. I believe this is why they closed my account. The reason I filed complaints was because they allowed another " valued '' bank of america customer steal {$6900.00} from me. The closed my account without any warning which left me without needed medical supplies. This bank never ceases to amaze me. They are the worst, and I will continue to blast them in every social platform possible.

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 2020-01-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having an issue with Equifax where it has merged my account with someone else in error. All of their bad debt is showing up on my account. There are about 8 items that are not mine. I was even contacted by the Sherriffs office on behalf of the person I was merged with because they thought I was an identity thief. I have disputed these items on a monthly basis with Equifax, stating each time these accounts are not mine and please separate the accounts. I am currently trying to buy a house and the debt from the other party is making it impossible to get a loan. I am to the point where legal action must be taken to advance. I have already done more than I should have had to with this issue. It's been more than a year with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : Intent to file lawsuit, HIPPA Privacy Violation. Validation Letter sent to : Choice Recovery. Account # : XXXX. Original Creditor : XXXX XXXX XXXX. To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Choice Recovery that clearly violates my rights according to HIPPA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Choice Recovery and XXXX XXXX XXXX ; therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a HIPPA violation against XXXX and XXXX and I am proceeding with legal action as prescribed by law against XXXX XXXX XXXX and XXXX XXXX XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company, " Portfolio Recovery Associates '', has been reaching out to me for some time now. I am not aware of what actions they have taken, though upon speaking with them, it has become apparent that they are not in my best interest. 

This morning at XXXX, a disgruntled representative called me and was adamant about reciting the companies disclaimer. Her and her manager explained that the debt was past the statute of limitations for collections, though the " debt, never really goes away ''. 

A different representative reached out to me several weeks ago and stated that the settlement amount was as low as {$800.00} and that the record of my communicating with them was in the data base that they possess. I requested a copy of our contact history to no avail. 

I am not not sure if they are the same company that said, " we'll find a way to get our money '' in a threatening manner many years ago. Though I am not and have not been available to catch up to several of my account balances as the lines of credit had been opened with the intent to acquire {$5000.00} a month over the course of several years. My business operated at 2008 though never reached the goal of {$5000.00} in month. 

The collections agency, " Portfolio Recovery '', has busied my line of communication for a long while now. Contrary to what they claim, PR has negatively effected my credit score. Contrary to what they claim to have been a none-law suit acquisition of my XXXX  XXXX XXXX credit card and XXXX  XXXX credit card balance, the action of purchasing the account disables me from paying XXXX  XXXX XXXX and XXXX  XXXX. 

I am now aware that I should of requested smaller monthly payment amounts, I did not abandon the lines of credit, I conducted business with the credit lines via monthly payments for as long as a I could manage. 

I attempted to file a complaint this morning with the manager and was not permitted to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite being notified by XXXX and mailing my official identification, Equifax continues and is happy to report a fraudulent hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in poor health since XX/XX/XXXX. I fell behind on payments. I can not repay all missed payments at one time. 
Loan servicing was sold to Wells Fargo XX/XX/XXXX. 
Wells Fargo approved a forbearance on XX/XX/XXXX. But they did not rescind the default, and they are continuing with foreclosure proceedings. 
I again reapplied for a forbearance on XX/XX/XXXX, but that was denied. 
A notice of default was posted XX/XX/XXXX. 
A notice of sale was posted on XX/XX/XXXX. Sale date is XX/XX/XXXX. 

I am requesting Wells Fargo to followup with the forbearance they approved, and to stop the foreclosure proceedings.

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 2022-01-25
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I logged onto my Regions mobile banking app and found that Regions had removed {$3300.00} from my family 's general savings account and {$3400.00} from a savings account my wife and I opened for our son when he was born in XXXX. When I contacted Regions bank that night and then again the next day, Regions told me that someone had gone into two of their branches in Texas on XX/XX/XXXX, presented two private party checks payable to " XXXX XXXX '' ( my name ) in those amounts ( drawn on an account I don't recognize out of NY ), and been permitted to cash both of those checks because the Regions teller saw that I had enough money in savings to cover these two checks. The forger had written my SSN correctly on one check and incorrectly on the other check, and the signatures do not match my own. 

In any event, Regions accepted the checks in what I'd imagine was a hilariously clear violation of their own policies re : accepting checks considering the large amounts, non-matching signatures, incorrect SSN information, and me not having set foot in Texas in more than two decades. 

When Regions learned on XX/XX/XXXX that the obviously forged checks were in fact forged and that the bank had taken a loss of {$6700.00} as a result of not following their own policies, they removed that amount from my savings account with no prior notice to make the bank whole. In a pandemic, no less. 

I filed a police report, followed up with credit bureaus, and submitted all of the proper paperwork with Regions. Regions told me they had 10 business days to make a determination and credit my account. When I went in today ( day 10 ), the bank told me they actually had 30 days to figure out what happened and maybe give back the money they took from my account to " fix '' their mistake, at least as far as Regions ' bottom line is concerned. 

I've read the deposit agreement and can't find any provision that would allow Regions to accept a couple of ( patently suspicious ) forged checks in some lawless southern hellscape a thousand miles from here and then make themselves whole by pilfering my XXXX XXXX XXXX 's savings account. But you do you, Regions.

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 2017-12-06
Company: ALLY FINANCIAL INC.
State: MA
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 bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX  twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

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 2018-12-02
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
This title loan was initiated in XXXX due to the death of my spouse 's XXXX XXXX XXXX XXXX XXXX. The veterinarian bill reached {$10000.00} and we have initiated loan assistance three times from Keep Your Home California, and received help twice. The last time was in XX/XX/XXXX due to hardship related to XXXX XXXX related expenses. 
The loan with XXXX, no matter what they have request as payment ( it changes monthly ), we also pay an increased amount of {$800.00}. The average decrease in our loan is barely $ XXXX {$250.00} per month and after paying on an approximately total loan amount of {$9000.00}, our loan still sits at {$7500.00}. 

My wife has a new XXXX XXXX and I have an XXXX XXXX XXXX ; we are both XXXX, XXXX, and I am a 10 % XXXX veteran ( still attempting to get help for XXXX XXXX related XXXX XXXX & XXXX  ). Because of this loan we have almost lost our home twice, have often gone without food so that we could feed our XXXX XXXX and XXXX. Our home is in need of repair and our automobile is a XXXX in need of repairs and new tires. We are at a loss as to how to pursue help to drop the interest on this loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Had to change my ATM card because someone was using it. My checking account someone was steeling money from my huntington bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and account # 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 2022-01-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Citibank account # ending in XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up. I have been on time ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Professional Finance Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed {$150.00} to XXXX XXXX for a medical service, which I paid directly using my health flexible spending account. If you contact their accounting office, they will confirm receipt of payment, but I'm also attaching what they sent me as proof of their own ledger system. 

Somehow the debt went to a collection company named Professional Finance Company ( PFC ), po box XXXX XXXX XXXX XXXX. Telephone number XXXX. I did not receive a notice / bill from the company but learned of the issue via a derogatory entry on my XXXX credit report. 

I have tried multiple times to contact Professional Finance company directly via phone ( leaving voice messages ) and I tried to dispute via XXXX, both to no avail. None of my calls have been returned. And XXXX has been experiencing a technology issue for the past few weeks which prohibits me from uploading supporting evidence. Without the evidence, XXXX can't proceed with investigating the dispute. 

I have spent countless hours on the phone, writing emails and working on XXXX 's website that isn't functional. I'm hoping this agency can help me get remediation and remove the item from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: Bliksum, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
LoanMe/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$10000.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The Circuit Court of XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 32 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a former Employee of US Bancorp ( US Bank ). I am concerned homeowners specifically in Texas are being unfairly targeted on the refinance of their homes by US Bank requiring every Texas homeowner to pay for a full appraisal. XXXX XXXX and XXXX XXXX allow appraisal waivers as long as a property/ loan meets certain criteria. On several occasions I witnessed borrowers having to get a full appraisal when one was not required per XXXX and or XXXX. At this point in the refinance process borrowers have already paid upfront fees including US Banks processing fee and credit report fees. These appraisals are costly sometimes in excess of {$600.00}. When I simply asked why appraisal waivers were not granted to homeowners in Texas there was no clear answer, only a vague response that US Banks system " would not allow it. '' Borrowers are not told upfront that their loan will require a full appraisal even if an appraisal waiver is granted by XXXX or XXXX. I do not feel this is a fair practice given that the borrower is unaware of this requirement and is unable to make an informed decision. It is also concerning that appraisal waivers are granted in every other state with US Bank but if you are in Texas you will not be given this cost saving option.

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 2022-01-25
Company: Maximus Education, LLC dba Aidvantage
State: DC
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:
Aidvantage is my new loan servicer. They sent me a notice dated XX/XX/2022 saying that I have {$120.00} and that it will be debited on XX/XX/2022. This is inconsistent with the current federal pause on student loan payments -- they seem to be planning to charge me a student loan payment despite those loans not currently accruing interest. This seems predatory and they should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit Acceptance Corp reported a vehicle repossession to my credit report in XX/XX/XXXX. The company is claiming {$4400.00} is due on the account. I have requested to the company documentation including ( 1 ) a signed agreement with the dealer, ( 2 ) the original bill of sale of the vehicle ( 3 ) a bill of sale following the repossession of the vehicle and subsequent sale of repossessed vehicle ( 4 ) Any documentation pertaining to the purchase of the vehicle and its its repossession. These requests were made to Credit Acceptance on XX/XX/XXXX. When requested, the company claimed to possess the required documentation but has yet to send them via certified mail. The reported items were disputed with the credit reporting agencies on XX/XX/XXXX. 
Credit Acceptance has not contacted me with any requests.

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 2020-04-21
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Today XX/XX/XXXX i got a statement form us bank they are charging the interest even i pay the full amount of purchase plus the minimum payment they still charging me almost XXXX dollars interest. i speak to customer agent XXXX she said even i pay the full amount of purchase plus minimum payment at XX/XX/XXXX they still charging me interest that is not reasonable.

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