BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
Hello there and thank you for helping out, I wanted to reach out because I have a XXXX XXXX and have not been able to make a payment on my Apple Card. I tried to login however my XXXX  ID is locked out and in recovery mode and I have not been able to make a payment because of it. 

I never got a phone call, email to my XXXX regarding any lates or delinquencies, Ive NEVER been late ever on my accounts and this is surprising!! 

XXXX never sends any physical statements so how on Earth would I know Im late? I didnt get anything in the mail stating I was late or past due. 

I cant even login and attempted to make a payment on the phone as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian is another problem with my credit reporting they have not boosted my score in 6 months on my XXXX bill and also internet with XXXX? I have thru my debit card or bank account XXXX XXXX. XX/XX/2019 was the last time they reported my boost Experian boost? Also they are and the other bureaus are reporting a late charge but not telling me were it is coming from. I just reopened my account with Experian XX/XX/2019

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 2021-10-14
Company: Green & Sons Agency, Inc.
State: UT
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 never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
American Express has not complied with the law. The Fair Credit Reporting Act ( FCRA ) allows you to get a free credit report if your application is denied. However, you can only get a free report from the credit reporting company that provided the report used by your lender to make its decision. The lender must provide instructions on how to request your report from XXXX or from XXXX of the other national credit reporting companies, depending on which company provided the report. In XXXX letter American express stated its denial was based on a FICO score from XXXX, but it did not provide instructions as to how to get a free credit report. The law states they must do this and refusal to reinstate an account is the same thing legally as a refusal of credit upon application. And therefore they did not comply with the law, another instance of no valid proof as to why they closed our account or anything else, because they are misstating the facts and not complying with federal rules, laws and regulations in any regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2014 I submitted a payment ( {$96.00} ) to Bank of America that was not accepted because I had insufficient funds in my bank account. From this date on, Bank of America placed this XXXX insufficent payment in the column of cash advances. 
Instead of there XXXX interest rate, I am now paying XXXX solely on this {$96.00} insufficient payment that was never a cash withdrawal. 

What the company should have done was charged me a late fee. Instead, I have been paying 24.24 % on the XXXX I have now paid {$290.00} on the {$96.00}. The charges continue for the {$96.00}. it is my contention that Bank of America is abusing the customer by having them pay the cash withdrawal percentage rate on an insufficient fund payment. 

Please advise if there is any remedy to this abuse. 

Thank you, 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 2021-10-14
Company: EQUIFAX, INC.
State: NY
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 sent out a letter with disputes to this credit bureau on XX/XX/2021 and again in XX/XX/2021 and the outcome from the credit bureau has been to update information on my credit report when they should be removing the tradeline for FCRA non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am filing this on behalf of my mother, who is incapable of using the computer. My mother is the victim of identity theft. My mother has been sick and hospitalized over the past year and had been cared for by an aide with whom she became " close '' with. She trusted the aide implicitly and gave her full access to her apartment. My mother is frail, has much trouble in XXXX, and is XXXX. Besides her physical problems she has been hospitalized several times when her XXXX XXXX spiked due to anxiety It was a shock when my mother was informed by the Bank of America in XXXX, 2015 that her account was overdrawn and there was a list of suspicious checks that did not seem to be hers. When I came down to help, I identified even more checks that were appeared to be forged. All of these checks were made out to the aide 's name or to " Cash ''. 
While I had numerous conversations with bank employees and filed reports of these checks since XXXX, the bottom line is that the bank denied our claim. Their explanation was " timeliness and same wrong doer ''. According to the bank, the claim had to be first made within 60 days of the first suspicious check, which was in XXXX, 2015, as that would have prevented any of the other forged checks to follow. 
The problem for us is that my mother had no reason to suspect foul play and had not looked at her statements. She was in a vulnerable state and just worried about her health, so she was not focused on her bank statements. She was trusting that everything in the part of her life was fine. No one in the family suspected the aide and this was a shock to all of us. This is not uncommon for victims of exploitation, and it is why we depend on banking institutions to compare signatures.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have always paid on time on my mortgage but it shows as 60 days late payments which is not true.

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 2021-10-14
Company: National Credit Systems,Inc.
State: IN
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:
I have reached out to the company in question on numerous occasions as well as the reporting credit agencies. I am a resident of Indiana being accused of accounts in Oklahoma. I have sent multiple methods of verification with no response. When I did finally speak with someone at the collection agency she was rude and unwilling to resolve my issue and treated it as a personal attack on her, when its my reputation on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sir/Madam To what is my concern. 

I was owner of Citibank card, # XXXX, opened XX/XX/XXXX on limit of XXXX $ and i was fell on late payment due to death of my wife. 
My late wife, XXXX XXXX XXXX, she is open credit card, under my name to help built my credit and I was give her authority no just for Citibank card, but for all other credit cards. 
On XX/XX/XXXX we are was found, my wife XXXX XXXX XXXX, she is sick with XXXX XXXX and XXXX XXXX, and doctor give her only three to six month of life, but she is pass away two and half month later. 
Before she is pass away, i was try communicate with my wife to give me all access to our account so i can pay all bills. 
Due to driving my wife in and out of hospital, XXXX XXXX in XXXX, my work time and XXXX XXXX i was fell behind my payments on Citibank credit card for month of, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but i was later on pay all credit card in full. 
MY WIFE XXXX XXXX XXXX, SHE IS PASS AWAY ON XX/XX/XXXX IN MY CRITICAL TIME TO DO ANYTHING FOR PAY MY CITIBANK BILLS AND I WAS FORCED OPEN NEW CHECKING ACCOUNT WITH NEW BANK. 
Due to her sickness, she is forget all password and pin numbers together with email, and also she was under extremely heavy medicine. 
I know i have Citibank card, and we never was late on pay bills, just because she was set all payments on autopay for each month. 
Apparently due to sickness doctor tell me, the are possibility she is just delate all auto payments on line. 
I was try contact Citibank by myself numerous time and thru XXXX agency, but nobody never return my call and Creditrepair.com never help me clean my negative item on my credit report. 

Please, if you can help me contact Citibank to remove negative item from my credit report., so i can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-09-01
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collector is trying to collect funds on medical bills that are not valid. I am a 100 % XXXX Veteran with complete healthcare coverage- covered by the XXXX XXXX All of my medical bills are covered by the VA for the rest of my life. This company has added two different collections to my credit report, in the amounts of {$1300.00} and {$510.00}. They are not valid. It's a shame that companies like this exist and that I have to take time away from my health, to deal with this sham of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: ORG GC GP Buyer, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have reviewed my Credit report and found an account unrecognized items from your office G C SERVICES. I do n't remember doing any business or having having a contract for services with your company. Please forward me proof of contract or my signature etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( Transunion, XXXX, XXXX  ) very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )

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 2017-08-14
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint against Aim Loan. On XXXX XXXX, I scheduled a mortgage payment to process out of my checking account on XXXX XXXX. I did this at Aim Loan 's online mortgage website. On XXXX XXXX and XXXX, I tried to cancel that payment, but I could n't find anywhere to do that online. On XXXX XXXX, I called Aim Loan, and their offices were closed. On XXXX XXXX, I called Aim Loan and got through to customer service. I was informed that I could n't cancel or change the appointment because it was " outside of the change window. '' I asked what the change window was and was told that I had ONE HOUR ( after I scheduled the payment ) to change or cancel that payment. Nowhere on the website ( as confirmed by an Aim Loan supervisor ), does it tell me that I had only ONE HOUR to change or cancel that payment. Had I known that, I would n't have scheduled that payment. The supervisor told me that the only way I would have known that is if I 'd called and asked. I called my bank to stop the payment, and it 's {$20.00} to do that. I will pay it, but I should not have to since there was no information about the ONE HOUR. Also, I have no idea if Aim Loan will also charge me. Please let me know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Prizm Financial Company, LLC
State: IA
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 reached out to this company several time prizm financial since XXXX this problem been going on a good thing you saying that I missed a payment I have not missed one payment with this company I have put in a complaint with the XXXX  and a problem still haven't gotten solve this been going on since XXXX and here it is XXXX and they still won't fix it they continue sending that marks to XXXX on my credit report I'm constantly losing every time I build my credit report up somehow this pop up and it takes 20 some points off of my credit report constantly I had asked him several times I have put this in dispute several times and they still won't fix it and it's getting old and I'm tired now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX has an account listed on my Experian and XXXX credit reports. The Experian report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit 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 2017-10-08
Company: United PanAm Financial Corp.
State: CO
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:
United Auto has an account listed on my XXXX and XXXX credit reports. The XXXX report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from United Auto. The  Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had applied for a car loan with XXXX XXXX XXXX and was approved in XX/XX/2021. The car was paid off in 3 months. XX/XX/2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XX/XX/2021. No contact no update.

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 2016-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
Bank of America has instituted XXXX, a feature that requires you to have a US cell phone to receive a text message in order to process certain transactions. The issue I am having is that I am currently living abroad, and hence do not have domestic cell phone service. This is preventing me from requesting wire transfers in excess of {$1000.00}, and thus can not pay my rent. Their solution is to send the money in XXXX separate wire transfers, allowing them to charge me {$35.00} twice for each transfer. In other words, by limiting my wire transfer amount ( in the name of security ) Bank of America is effectively doubling their profit. I have contacted them to have this feature removed, and they refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
I contacted XXXX XXXX and XXXX to have three different items remove d because they are inaccurate and two are false information by the company. They have failed to do so and I've sent countless letters stating they weren't mine and they were inaccurate and they could removed. But they are still remaining on my credit report.

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 2017-10-08
Company: First Data Corporation
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
a check cashing service company used by XXXX XXXX declined my check i asked why was told it was not for insufficient funds it was based on risk factors we had a insufficient check a while back that was paid in full right away yet are check writing history was deleted out of the system we have no problems any where else and we can not get a reasonable answer from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: OH
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 recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC REPORT

Company response to consumer: Closed with explanation