BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A savings account was opened at Bank of America by 3 people a few years ago. At that time the 3 individuals designated a power of attorney ( POA ) All monthly statements received by the account holders, for many years, showed the power of attorney 's name which appeared under their names ( " as POA '' ). But then, a few years later, as the power of attorney was at the branch making a transaction, he was told by the manager that " the card with the 3 signatures did not appear in the system '', and said that to fix this problem all 3 account holders must again appear together to sign a new card. This has been impossible to be done as two of the cardholders are now living on two different overseas locations and can not make a simultaneous trip just to sign this card. ( Alas, that was the reason in the first place that a POA was assigned! ) The local account holder suggested that the signature card could be signed by each account holder one at a time at the branch, on different occasions, allowing the account holders to travel to the US at their convenience. This idea was flatly and categorically refused by the branch, affirming that it is BOA policy to have all accountholders sign together the POA card. This is just ridiculous.

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 2021-06-15
Company: EQUIFAX, INC.
State: CT
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:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, INC.
State: PA
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:
My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX XXXX, XXXX, XXXX.. 
No need more.. please Help me.. 
I think im victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I provided a digital service to another person in exchange for {$80.00}. I had been doing so for a number of months. ( years? ) the individual was unhappy that would not be providing the service. Therefore the individual filed a complaint with Paypal, even though they had no issue with the service already received and paid for. The individual made no claim that there was any issue with the service. 

Paypal refunded the individual simply because they asked. Paypal did not perform due diligence or act in good faith by refunding the individual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2017 I was in Bank of America in XXXX XXXX, VA around XXXX XXXX. Their ATM machine took my ATM card for the third time as I was told that it has been happening to many customers. I was first in line and two ladies were behind me. one was a XXXX XXXX mid age American and the other was a very pretty well dressed young woman. This bank 's employee of course a man, who is in charge of customer service also giving new ATM cards, called the XXXX  lady first and took care of her then he called the young lady behind me and I had to speak up to remind him that I was here first. He told me to go and and wait in the last office and he will be there. He came after several minutes because he took care of the pretty lady and without saying hi or bye, he gave me an ATM card with a angry attitude.. I was not dressed up well and my appearance was simple. That bank employee treated me really bad and was very rude ... I was mistreated badly before by this bank because of my appearance. I know for sure that I got discriminated against badly by people of this bank.

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 2020-08-02
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 this company was on my credit report .i reached out I never received a response

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of case # XXXX, which should have never been closed. 

LoanCare , LLC did call me in XX/XX/2021 as stated on the previous case and they did say they would send me my paperwork. They sent another incorrect package. 

Since then I have had several conversations with them, all customer service agents and their loss mitigation department have stated that my corrected documents are in the mail. 

They stated that my new payment would be due on XX/XX/2021 and the paper work would be sent out in a couple days. Well, 2 months and several phone calls and promises later, I still do not have the paperwork to remove my account from forebearance. 

They are deliberatley stalling so they can collect more money from the government funding during the Covid pandemic and not having any care that they are eating away at my equity that I had in my home by all thier delays. 

I want them fined and I want to be financially compesated for the delays that have decreased the amount of equity in my home. I want to be compensated for the over 40 hours of time I have spent on the phone with them trying to resolve this issue with them and their incompetent loss mitigation department. 

I HAVE BEEN ASKING SINCE XX/XX/2021 TO HAVE MY HOME REMOVED FROM FOREBEARANCE. THEY MUST BE VIOLATING FEDERAL REGULATIONS IN COLLECTING MONEY FOR MY LOAN FOR 6 MONTHS AFTER I ASKED THEM TO REMOVE THE FOREBEARANCE.

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 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

5. Identity T
heft XXXX XXXX Account Number : XXXX This i

s not mine. 6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudlent phone account and two phones were purchased through XXXX XXXX. I was notified this when I received a bill for this ( I had a XXXX account years ago with different numbers, but I have been with XXXX for the last 4+ years ). 

I spent hours on the phone and online with a multitude of XXXX XXXX departments, the XXXX XXXX Police Department, and the three credit bureaus. My credit was frozen ( at my request ) and I was assured by XXXX that this was a fraudulent account and things were settled. Luckily my credit was frozen as an attempt was made to open a fraudulent phone account with XXXX. 

Today I received a collection notice from Convergent collection agency. I have disputed this account and provided copies of the erroneous bill as well as the police report. I am unable to reach Convergent as it is a weekend. Unfortunately, I will be out of the country XXXX and so will not be able to contact them before I leave. 

My credit score has been stellar and I hate to see this be erased. I also am unsure what else I can do on my end to prevent further action on this fraudulent matter involving identity theft.

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 2017-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/XXXX, Portfolio Recovery Associates have relentlessly tried to collect erroneous debt from me. When they first reported the claim they said I owed them {$1100.00} now they claim I owe them {$1400.00}. PRA even reported to XXXX that I was 120 days late on XX/XX/XXXX and XX/XX/XXXX, destroying my credit scores and payment history. They even change the account numbers on my XXXX report vs the account numbers on my XXXX and XXXX with different payment amounts in an attempt to cause me confusion. <P/>Portfolio Recovery Associates are nasty deceitful Obstructionists of Federal Laws. I warn all American consumers to be aware of Portfolio Recovery Associates ILLEGAL CRIMINAL malpractices. PRA have caused me grave humiliation and loss of income in my attempts to obtain credit & loans to pursue profitable real estate transactions. My income losses range from $ 450,000- {$600000.00} this past year alone from their fraudulent credit reporting activity. PRA reporting efforts have also caused me stifling effects to my overall health. <P/>I have been disputing their claims for months and they retaliate by adding more fraudulent derogatory information on my credit reports. This is their way of War with unsuspecting American consumers. I have recently threatened them with a lawsuit alleging Defamation, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have asked this company to investigate these accounts and send me all documents /invoices originals so that I can see what I need to do next. Of course, they did the opposite

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 2022-04-30
Company: CITIBANK, N.A.
State: AZ
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 identification was stolen and the person opened a Citibank account and I keep receiving letters regarding fraud charges.

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 2017-07-02
Company: Experian Information Solutions Inc.
State: CT
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:
I have contacted the credit reporting agency multiple times this year trying to resolve my issue. I have several student loans reporting between years XX/XX/XXXX and XX/XX/XXXX. These accounts have been closed. Also they are showing as multiple accounts even though they should n't show so many. A lot of the accounts are duplicates of accounts already reporting on my credit report, multiple accounts reported with the same account number. I have tried to contact the credit reporting agency and the response I have gotten is that " they are validated ''. I have asked for proof of validation and have received no response for that request. I asked for these accounts to be removed as they are over 7 years old and not being reported correctly. These accounts are paid in full and closed. I would like them all removed from my account as it shows incorrect credit history. It is hindering my process to purchase a house for my children and I. Please remove these student loans from my account due to age and inaccuracy

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 2017-10-24
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied to XXXX XXXX for loan modification, received approval on XX/XX/XXXX for a  Streamline Modification. On the same documents assigned a relationship manager XXXX XXXX XXXX. I set up a phone call appointment on XX/XX/XXXX for XXXX to call me at XXXX XXXX.. Called multiple times confirming the approval and was told if our family just made the 3 payments listed we would get the modification. Tried to reach XXXX XXXX XXXX but no luck. Spoke to several relationship managers assuring me we were good. Our family is under a chapter XXXX bankruptcy and spoke to our attorney on XX/XX/XXXX to end the bankruptcy. The following Monday, I received more documents stating Sorry, this has been denied on XX/XX/XXXX. I called, spoke to a XXXX who said Ocwen made a mistake. A mistake. We are devastated. Immediately reached our attorney again and said do not submit the court papers. We will stay with the Chapter XXXX because I trust the courts more than XXXX XXXX. As soon as it is discharged I can not find another Mortgage company fast enough to refinance. I have submitted said documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE. XXXX Dear XXXX XXXX : I am very distressed that you have included information in my credit profile due to its damaging effects on my good credit standing with on time payments. As you are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either yours or the reporting creditors part. It shows on my credit reports from all three credit bureaus that I have delinquent payments from XXXX XXXX XXXX. This is simply not true because I had to speak to a representative every month about my payments and everyone kept giving me the run around and different answers to cause this to happen. Although I did make payments each of these months, the three billing cycles that may cause this confusion are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told by a representative over at Customer Service that you guys did not receive my school deferment information until XX/XX/2020, in which, I started my Spring semester XX/XX/2020. Every month when I spoke to a representative not everyone was on the same page, which caused this confusion. I am very on top of things when it comes to making payments on time and would like this to be taken care of immediately. 


Please be so kind as to forward me documentation that you have had the inquiry about delinquent payments removed.

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 2021-06-15
Company: Experian Information Solutions Inc.
State: AL
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:
Okay I sent in a FTC report to experian because I had a couple of fraudulent accounts reporting on my credit report that I wasnt familiar with so. I sent them the FTC report they received it they removed one account which was XXXX that was on the ftc report but the other 3 accounts thats on the FTC report they said they couldnt block those accounts. They didnt even give me a reason why they couldnt remove it I thought maybe if I provide proof which is the FTC report they will remove it. I didnt have any other problems with the the others credit bureaus I spoke with a representative and I said it against the law to have something on my credit report that aint mines She said they dont have to provide me with any information that the creditors provide them with. I asked can I get a documentation Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. The representative told me they dont have any accurate documentation about those accounts thats reporting. I need to ask the creditors. So I said Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this request then you must remove these accounts from my credit report. 
The representative at experian told me they cant do that I tried to reach a XXXX  they want let me talk to nobody at all Im very disappointed these account I ask to be removed are 1. XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX so basically experian going again my word over creditors

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 2021-12-08
Company: REGIONS FINANCIAL CORPORATION
State: TX
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 filled a dispute in regards to inaccurate items that are on my credit report. It has been well over 30 days and haven't received any investigation results

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 2017-10-24
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter at my current address requesting debt repayment in the amount of {$330.00} from ERC. I ignored it initially thinking that it was a scam until I seen it more than once and checked my credit report to see that it was indeed on there. 

I sent a certified letter to ERC on XXXX XXXX, 2017 requesting verification of this account. Not my surprise I, the debt was not verified. Instead, I received a printout on XXXX XXXX, 2017 with the amount requested but, with a XXXX logo. 

I mailed another certified letter to ERC on XXXX XXXX, 2017, requesting verification of this account once again. I included a copy of all original documents and requested for more details than some printout. On XXXX XXXX, 2017, I received the same exact system generated cover letter again and this time it was two invoice printouts. The first printout was the same as last requesting {$330.00} and then the other was for {$770.00}. 

Instead of spending {$7.00} to send another certified letter requesting verification, I 've decided to move forward with assistance. Thus far, I 've recently complained to the XXXX XXXX XXXX and CFPB. I do n't have anymore patience for this company and their lack of regard to the damage that this company is imposing on my life and without any verification. We all know how important credit is these days. At minimum, this company should be able to provide substantial detail about the accounts that are placed on consumer credit reports. This is totally unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Screening Reports 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:
There are quite a few hard inquiries that I didnt request/submit, here are the names of the companies for the inquiries : XXXX XX/XX/2017 SCRNG RPTSXX/XX/2017 XX/XX/XXXX-XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX- XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

Company response to consumer: Untimely response