BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: MD
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:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Convenience checks

Complaint:
My wife and I have a joint credit account with Bank of America. On the XX/XX/2016, taking advantage of a mailed offer from Bank of America, we endorsed and deposited an access check in a checking account at our local bank. Several days later on XXXX I wrote and mailed XXXX checks drawn on this account. At that time my bank listed the funds from the access check as available. On XXXX XXXX my bank informed me that the access check had been returned NSF. I called Bank of America on XXXX XXXX and talked to XXXX. She asked me for my bank account and routing numbers and assured me that the funds would be deposited in my account the next day. The next day, XXXX XXXX, after no funds were deposited in my account I again called bank of America. I was told by XXXX that the money would be in my account the next day. Once again this did not happen. By this time I am beginning to pile u NSF charges at my bank. On XXXX XXXX I was able to speak to a supervisor at Bank of America, XXXX XXXX. XXXX put me on the line with XXXX XXXX. Both of them stated that they had determined that their bank had made an error and they assured me that any costs I incurred at my bank would be covered by them. XXXX told me she would call me back. One week later I left voice messages for XXXX 3 times and emailed her once. She finally called me after several more days and advised me that my bank would have to file a protest. Can you help me? I am out {$360.00} and Bank of America is stonewalling me, hoping I give up I suppose. 

Contact info at Bank of America ; XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 are not my accounts. Please remove them. I also didn't authorize these credit pulls.

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 2020-04-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Early this year on XX/XX/2020 I went to XXXX XXXX XXXX XXXX in XXXX XXXX and spent {$600.00} on one room and an additional {$600.00} for a second room all purchased using my Citi Prestige card. 

When I arrived to the hotel they treated my friends and I very poorly and thus decided to stay elsewhere. 

Before leaving, I spoke to the manager of the hotel, XXXX, and told her that we would not be staying at the hotel and to please cancel the hotel reservation and she confirmed that she will cancel the reservation. I took her number down as well. 

When I checked my Citi credit card statement the XXXX XXXX charge was not reversed and then I asked Citi to dispute the charge. 

I found out on XX/XX/2020 that the XXXX XXXX charge has been placed back on my card. I spoke to Citi on XX/XX/2020 but did not come up with a resolution. 

What XXXX did is fraud and I need Citi to reverse the charges on the card.

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 2017-05-22
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Ocwen loan serving. I have paid my mortgage on time. I was in bankruptcy from  XXXX  to  XXXX . I gave Ocwen {$46000.00}. I have not seen any change in my mortgage. My mortgage payments are still the same. I have called  Ocwen  and the costumer service rep. Stated that the {$46000.00} went towards my principal. But when I look at my statement the {$46000.00} is not on my statement or online statement. I have called repeatedly and I would get transferred or hang up on. I would like this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was told by Navient that I could lower my interest rate by .25 % for signing up for automatic withdrawals/payments. I did so the day before my bill was due. Previously, I could make a payment before my payment due date and it would not turn into forebearance because the date of payment was before the due date, even if money was not transferred until after the due date. However, Navient pushed my account into forebearance for the 3 business days it took for automatic payment to start. This resulted in several XXXX dollars of default interest accrual. I called and requested assistance, as I had never before had this issue and certainly had never defaulted on my loans. Nevertheless, Navient essentially told me that it was my fault for not realizing that he date of payment would not matter for automatic withdrawal, only for standard payment. Several XXXX dollars for ( an extra XXXX $ / month for the next 6 years ) because they did n't take the money out of my account fast enough seems really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Reporting negative information of bankruptcy 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 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of XXXX, there was a Bank of America sign up bonus for a business bank account. It included {$500.00} for signing up for the business checking account, {$500.00} for signing for for an associated business credit card within 60 days, and {$500.00} for signing up for merchant services within 60 days. For the merchant services account, I was told I would be contacted to set it up. After waiting for a month, I contacted ( via phone, email, and in-branch ) Bank of America and was told that I would be contacted shortly. After waiting another several weeks, I contacted Bank of America again, and was again told to wait. I was finally contacted by a Bank of America Merchant Services representative who told me the no-monthly fee Merchant services account that had been advertised was no longer available. I asked to speak to a different representative. I ended up calling XXXX on my own, and did end up setting up the XXXX XXXX account. 

Over the ensuing 6 months, I was charged monthly fees ( that should have been waived due to having a XXXX accounts ) and did not receive any sign up bonus. I had called, emailed, and online chatted with Bank of America many times ( more than XXXX ), and by the start of XXXX of XXXX, I still had not received any bonus. I was finally awarded {$1000.00} of the {$1500.00} total XXXX/XXXX/XXXX. 3 more calls ( each of over 45 minutes waiting on hold for various representatives ), did not result in the other {$500.00}.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$480.00} and {$79.00}, Date : XXXX XXXX and XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$280.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$680.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX. XXXXXXXX XXXX XXXXXXXX, Amount : {$100.00}, Date : XXXX 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 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 2019-12-04
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I explained several times not to call to my place of work and they keep calling and is causing me problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today is XX/XX/2019. I received a loan recast which I did request from 5/3 Bank on XX/XX/2019. Before I sign these documents, I have called 5/3 Bank to ask them very simple questions. 

First I called customer service who passed me off to XXXX XXXX XXXX XXXX. I had a very simple question. How much of the NEW RECAST payment amount would be going towards my principal payment. Before I sign this, I want to know HOW MUCH of this would be going towards principal. 

Well, I have been on hold for 38 minutes. The woman absolutely knew nothing. Back to customer service I am transferred. 

I ask HOW MUCH of my current payment is going towards principal. She does not know. I just want to know IN WRITING how much of my RECAST payment would be going towards knocking down principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-04-04
Company: Experian Information Solutions Inc.
State: TX
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2016-04-28
Company: Charlottesville Bureau of Credits, Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Medically billed while in military full coverage as XXXX XXXX XXXX. XXXX since XXXX XXXX XXXX. XXXX coverage, never received a bill or notification to collect a debt. 
Valley Credit Service contacted me and stated they will correct the mistake in XXXX XXXX. 
The debt collector is Valley Credit Service XXXX XXXX. XXXX XXXX XXXX, VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I recently applied to increase my credit line for my home equity loan with Regions Bank. I called and talked to XXXX XXXX XXXX XXXX at Regions. She quoted me a rate of 2.99 % for the 1st year due to relationship rewards and a 3.5 % rate after the first year but on a variable rate. This was much better than my current 5 % so I asked her to start the process. I wanted to increase my credit line to build a covered deck. Once the appraisal and the paperwork were ready I went in to sign the papers. I saw the 6.75 % on the papers but XXXX XXXX assured me that the rate was just calculated differently and that I was getting a better rate .... the rate I was promised. I told her I just wanted to make sure I was n't going backwards and she again assured me that I was getting a better rate. I trusted what she told me and I signed. About 10 days later I got a statement. The first thing that caught my attention was that the finance charge was around {$15.00} higher than the month before. I had drawn nothing off the account. I again looked at the rate and it said 6.750 and pulled out the statement for the previous month and it said 5.000 as the annual percentage rate. I went to see XXXX the next day. She promised me that she would do everything she could to correct this. A few days later she told me that the bank had agreed to give the the 2.99 as promised for the first year but I was stuck with the 6.75 % rate as I had signed the papers. I signed the papers under the understanding that I was getting the lower rate. I feel that I should be able to revert back to the original loan with the original credit limit as it has been less than 30 days. She told me that I was only given 3 days to back out of the loan. I had not received a statement at that point so I did n't realize there was a problem yet. I just want to revert back to my original loan as I was given incorrect information during the signing of the loan papers.

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 2015-07-27
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The is at the least the XXXX complaint that I 'm filing against Smith Debnam Narron Drake Saintsing & Myers, LLP and XXXX within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving XXXX debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all XXXX has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want Smith Debnam, Narron, Drake, Saintsing, & Myers, LLP, and XXXX investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with XXXX 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor of North Carolina, and the Governor of Ohio about XXXX and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what XXXX has done to me and possibly many others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving letters and calls from XXXX funding about a debt they claimed I owed. A few years ago, I asked them to provide proper validation that it was mine ( a statement from the original creditor or even the signed agreement that I signed up or agreed to the credit ) but they could not do so, so I requested they remove the collection from my credit report and they did. 

Then it looks like they sold that debt to Capital Management Services , LP and they are now claiming I need to pay THEM. When does this end? The alleged debt from what XXXX told me, was from YEARS ago supposedly ... is n't there a Statue of Limitations on how long they can keep contacting me and threatening me to pay them this debt? Please help ... this is not mine to owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-10-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
This started back in XX/XX/XXXX with XXXX XXXX  when I was separating from my estranged husband and this company ignored all documentation sent for a Deed In Lieu of foreclosure request. 

They had us fax the documentation and then wait for a response. I never received any acknowledgement of the receipt of my paperwork despite constantly writing and calling. 

The home eventually foreclosed and I was going through too much at the time ( hospital stays, loss of a job at a company where we both worked ) due to the ending marriage, etc ) to keep fighting with them. 

Fast forward to XXXX and after the devastation of the pandemic, I have being calling them time after time to find out why there's still a balance on my credit report despite them telling me over the phone that I owe nothing. 
1. The balance they have is bringing down my Experian score, but it is reported correctly on XXXX. 

2. I've disputed this many many times, and the amount has changed a few times but not to {$0.00} like they said it should be. 

3. I've called and they said they could provide written documentation, then turned around 2 business days later to say they couldn't. 

4. They told me to email their credit department because they could get me a copy. SURPRISE, they never answered the email.

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 2017-11-14
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have send letters disputing wrong negative information on my report. XXXX has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.

Company response to consumer: Closed with explanation