BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Our address was used by XXXX unknown people to open a BoA debit MasterCard. Neither has any connection to us or property we have owned for 30+ years. The XXXX envelopes arrived XX/XX/XXXX and we immediately notified BoA by phone conversation and by email, requesting 1 ) closure of the account, 2 ) notification to us that the address was limited to only the XXXX of us, and 3 ) explanation of how BoA eliminated any verification before allowing the fraudulent use of our address. We have had no response from BoA, despite several further calls to its " representative '' XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. He assigned it case number XXXX in a letter dated XX/XX/XXXX, however we have had zero update or resolution from either him or BoA despite this urgent and aging fraudulent identity issue.

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 2020-04-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XX/XX/2020 @ XXXX, I called Midland Credit Management and discussed a possible settlement for a debt I owed of {$710.00}. I spoke with XXXX along with my financial counselor being on the call. My counselor asked for a lower settlement. I could not make the settlement he initially offered of {$570.00}. XXXX said he could not accept our offer. My counselor asked for the payment address because I could not pay the settlement in full and XXXX refused to give us the payment address. Stated that our {$25.00} payment would not be acceptable. My counselor again asked XXXX what the payment address is and again he refused to give us the address. We informed him that we would be filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection company place a collection on my credit file before sending me a ( 30 ) days Notice. I call them last month to removed the collection from all three credit bureaus and told them i moved to a new address so they can send me the 30 days notice to the new address, I just received the notice on the XXXX of XXXX. I call them to send me a validation letter and sign contract between they and the original creditors as proof for them to collect the debt from me and they said they will not send me anything else and the collection is going to remain on my report and there is nothing I can do about it. I told them that the government said that all collection are on hold for the next 90 days because everyone is worry about their life right now and need time to pay off any debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Truist bank ( bbt mortgage ) We refinanced our home loan in XX/XX/XXXX and Truist bank has not paid us our escrow money {$1100.00}. My understanding is that the bank that they are the loan service company for XXXX XXXX XXXX Bank ) told us that Truist bank has 30 days to refund us our escrow and that we should contact you to file a complaint. We have contacted them twice a month since startting in XX/XX/XXXX to find out the status and have been given the run around. Truist Banks number is XXXX XXXX please advise. Our account number with them was # XXXX 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 2016-05-12
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is in reference to my complaint disputed and submitted via CFPB in XXXX 2015 regarding an account that I have just found out is now sold to Syndicate Office Systems. The disputes complaint number initially was XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and that I should check my credit because accounts may have been opened in prior years to the year that they discovered the ID theft. When I checked there was indeed accounts that I had not opened and this is one of them. I was then advised of what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago to Central Financial control and have resent the information to you again.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.

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 2021-12-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: General Motors Financial Company, 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: Their investigation did not fix an error on your report

Complaint:
I see repetitive 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Ever since 2013 I have been trying to pay Navient. They would say my payment went through, then I would get statements saying nothing was paid! Then I try and get a hold of someone to fix it and I get transferred to a million different people and STILL no help. 
Once money got tighter for us, i filed for deferment which the lady said I could file twice.So I did. Well it only worked the 1st time. I tried calling and emailing and couldnt get through or no email back. I also tried doing the student loan forgiveness and nobody was able to help me with that either. So I have had ENOUGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to repair my credit scores because of unemployment and participation in and participation in federal assistance programs over the last 7 years. 
B of A ( lender ) has been paid up so I am current. I have continued to be current over last 6 mos since graduation from XXXX. 
They refuse to address my credit score as this delinquency stems from their suggestion to go on a forbearance program for 12 mos back in 2012. I did and then participated in AZ Save Your Home program which carried my delinquency and then paid it off this past XXXX. So my forbearance period is what has been carried forward as old payments were were paid first when paying my mortgage ( monthly assistance ). I want to refi but credit reporting services all show late pays so I requested letter from B of A which refuses to give me any relief!

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 2022-05-13
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The CBE Group has contacted me regarding a {$1200.00} debt that is owed as of XX/XX/22 to the XXXX XXXX. I have personally been in contact with charter and while speaking with them, realized my social security card is gone. XXXX sent me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax data break. On XXXX XXXX I filed out the preliminary paperwork. On XXXX XXXX I had access to the next phase - to fill out the XXXX ID preliminary paperwork. After filling out this paperwork, I was told I would get an email to activate the account. 

This email arrived on XXXX XXXX. The link however does not work -- the system is always busy, or it asks for my date of birth and then states that it can not continue. 

I called the number listed on XXXX XXXX - and was told that they could not assist me, they can only help with website issues. 

I have continued to try to access the site without success. I reached XXXX on the phone today -- he tells me they ca n't find any information on me. I am transferred to Customer Service. That agent XXXX XXXX XXXX also ca n't find my information and gets XXXX, a supervisor, on the phone. XXXX tells me that I am not showing up in their system and I need to start the entire process over again! 

I have spent more than a month trying to obtain the XXXX ID service they have offered without success. Now I am being told to start again -- and wait yet another month! 

My biggest concern is how did they lose the information and paperwork I have already submitted!! So not only was my information part of the breach - they have now lost my paperwork to protect myself from their original error. 

This is disgraceful and something needs to be done to protect me from their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have reviewed my credit information on the XXXX XXXX and noticed XXXX address is in correct. I have never lived at XXXX XXXX XXXX XXXX XXXX, AZ 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 2020-04-15
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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/ XXXX violated my 609 rights by reporting information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Well Im having a problem with XXXX  XXXX auto reporting inaccurate late payments on my credit report theres a few discrepancies between two different credit bureau and one report Im showing on-time for month of XX/XX/2019 via XXXX but Late for the month of XX/XX/2019 on TRANSUNION..XXXX XXXX is also not reporting months that Ive paid on time as NO DATA it is unlawful under the FCRA to report inaccuracies on an consumer 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 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes

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 2020-10-16
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe Americollect. I never had a contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently filed a complaint against BMO Harris Bank. I requested that they freeze my account and prevent any further activity. I also requested they send me my original signature cards, as in my previous claim, they alleged I was not the owner of the account. 
BMO has charged me over {$3000.00} in fees in the last XXXX months, even though I requested my account be frozen. In spite of this they have let transactions go through my account, which I let them know were unauthorized and no one from the bank has reached out to me in effort to resolve this. Below is my original request. 

I tried to conduct business on my business checking account months ago and was told that I had been removed as a signer by the other signer on the account. When I tried to resolve this matter in the branch, I was given resistance and subsequently told that I had been removed and could not be added back. 
Recently I received a letter from BMO stating that I had not in fact been removed from the account and was a current signer as I had been since the account was first opened. It befuddled me how such an error could occur. 
I would go to the branch trying to transact business and told I was not a signer and were not allowed to speak with me. I was also informed by an inside source at the bank, that negative comments were attached to my the account, in a roundabout way, stating I am a nuisance to the bank! 
After, being granted access again to review my account after several months, I was affronted to find my account negative summing nearly {$1000.00}, after several months of my access being denied, due to unauthorized transactions! 

First, I am requesting any negative comments regarding me be removed from this account, as it creates a poor customer service experience at the teller line as well as when working personal bankers. It 's an impediment on the overall morale of the customer relationship! Additionally, I am requesting that this account be frozen and a new business account be opened until we can resolve and get to the bottom of this negative balance. 

And due to a death in my family and a father with XXXX, I am unable to go into the branch, so your willingly to help me resolve this using technology is greatly appreciated. 

Please be advised that a copy of this will be forwarded to the Office of the Attorney General as well as the Consumer Financial Protection Bureau for closer scrutiny of this matter! 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cease and desist letter was sent out and received no response from the company Legally there is no contractual obligation. They have not engaged with me in any contract, nor services or goods exchanged. Its called extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The Transunion Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. 

XXXX XXXX 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 2020-03-02
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
I was o my credit monitoring site and I noticed a fraudulent account that I had no knowledge of I would like for this accounts that I'm gone put in this complaint that I had no knowledge of I would like for this account to be removed off my credit report because its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EQUIFAX, INC.
State: FL
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 reached out to transunion to see if they received the attached document sent with file number XXXX and transunion stated they got the attached document. I asked the fraud department when will the bk be removed from my credit the rep stated it will not be removed. I asked how is this possible when I reached out to the XXXX courthouse via mail to find out if the courts verified the information with transunion and the bk courthouse sent me back a letter stating they do not verify to credit reporting agencies nor do they give any information to third party agencies. I asked transunion why was this document so called not valid and the rep could not give me an answer as to why the documentation is not valid. I told the rep that if you can not give me a valid reason why this documention that I gave you is not valid the bk need to be removed, number 2 transuion stated that they " verified '' with the furnisher. The furnisher is not a 3rd party company. The original furnisher is the bk courts whom do not verify any information over the phone nor through the mail and that is what the document states. I have sent documents certified through USPS to transunion and they claim they did not receive it but I have the certification to prove that is a LIE! I have reached out to a consumer legal representation on this matter. CFPB does not make sure these CRA is following FCRA rules. I will be filing a complaint with FTC!

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