BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
On XX/XX/2020 I established a store credit card with XXXX XXXX XXXX XXXX Amidst the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as XXXX  XXXXXXXX XXXX an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America . After realizing that I had gone severely XXXX, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.

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 2020-04-04
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
i can not get thru to barclays this is on my upromise card i made a purchase never got it no response from XXXX i need to dispute it. no one answers emails phone and i understand people are busy but i never got this item. please dispute

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America assigned me, yet another representative regarding an ongoing problem. The new one now is XXXX XXXX. XXXX XXXX left a message on XX/XX/XXXX. He did not leave a extension number. I tried to call anyway on XX/XX/XXXX at XXXX, and could not get to him. 

Bank of America has mishandled my loan process, taking over 15 months to complete the first step, and this process is now going on XXXX years with no help. 

They only offer a solution of restarting a possible 15 month first step process again. 

Below is original complaint ; 1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of XX/XX/XXXX. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least 3 occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process. 
20 XXXX. Bank of Americas only solution to rectify this problem is to have me restart the entire process.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: NM
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:
On XX/XX/2020 I established a store credit card with XXXX XXXX XXXX XXXX XXXX the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as a manager of an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America . After realizing that I had gone severely DQ, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.

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 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had a series of fraudulent charges made from my checking account from the period of XXXX XXXX XXXX for an amount of XXXX . The bank initially has denied my claim as they say the money was all taken out with my personal ATM card, as well as based on the signature used when withdrawing at some specific point. However, I did not lose my ATM card and so I find it hard to believe that this reason for denying my claim would be reasonable. Furthermore, I have not gone directly to the bank to take out money, at which point necessarily needing to give my signature, in many years. For these reasons I 'm filing this claim against Bank of America.

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 2020-04-19
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to Experian ( copies with proof of delivery attached ) requesting the removal of XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, Experian continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from Experian according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how Experian can continue to report a collection trade line without evidence of the debt. Experian 's actions are hindering me from obtaining a mortgage to purchase a home

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 2022-09-12
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: Public record information inaccurate

Complaint:
What happened is a bureaucratic circle by Experian to avoid removing closed accounts, old milling addresses, public information, inquiries, and late payments after specific after many attempts to remove/delete requested information from my consumer credit file. HUNDREDS of dollars spent with credit repair companies, and an exhaustive, frustrating and stressful effort on my part via letters, and attempted telephone calls. In many case my private information have been shared without my consent where permissible purpose never provided. When advised that I was affected by Experian data breach XXXX : no Credible action taken EXPERIAN : XXXX XXXX formally notified of of reporting inaccurate and incomplete credit information Online disputed in XX/XX/XXXX timeframe : agency responded XX/XX/XXXX under report # XXXX whereby requesting private information previously submitted. 

XXXX XX/XX/XXXX : formally notification of inaccuracies and incomplete information in credit file. The agency was requesting addition privacy information previously submitted in an attempt at avoiding to conducting required investigation. 

XXXX XX/XX/XXXX, I lost my job due to company downsizing and potential due to my age ( XXXX ), and followed by significantly impact due to COVID-19. For more than two ( 2 ) years the agency continue to report incomplete and inaccurate information in my credit file without my consent.

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: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to call into question a judgment that was filed by the plaintiff XXXX XXXX. Docket number XXXX. This was filed back in late XXXX. Below I will try to outline the situation in order to keep this concise and to the point as I know. 
- In late XXXX, my wife and I extended our lease 20 days on a month to month in order to close on a home purchase. Original rent was {$1100.00}, they charged me {$3800.00} to extend 20 days. I believe last day would be XXXX XXXX, XXXX - Explained to them that I could not pay such a high price for the extra days and asked about paying the original {$1200.00} rent and making a payment plan to pay the remaining balance but they refused to take anything but the {$3800.00} in full. 
- They explained to me that they would have to go ahead and file for eviction but not to worry because eviction date would be after we had already moved out. 
- My wife and I have always paid rent on time so this was all new to us. They instructed me to not bother going to court because if we did not have full {$3800.00}, the judge would rule in their favor. 
- Misjudging that they were acting in everyone 's best interest I missed the court date and in doing so they filed judgment. I set up payment plan to pay amount within a few months ( paid {$600.00} ). 
- Home purchase fell through and was left with a negative collection on my credit report. No longer approved by lender. Could not find an apartment who would rent to us leaving me and my children homeless. Stopped making payments to XXXX and saved for large deposit. 
- Moved in to second chance apartments in order to clean up credit in XXXX of XXXX. 
- After 2 years of working to repair my credit and get this paid in order to proceed with home buying, the lender pulled my credit and found judgment filed with court differs from amount UDR claims I owe. 
- Court files show {$1200.00}, XXXX shows {$3100.00}. Called to pay XXXX billing to find discrepancy. Woman who refused to identify herself called me a criminal for not paying rent on time. I explained I never had a problem paying rent I had a problem with paying such a substantial amount. 
- When asked why amount differed she said it was for cleaning the apartment after move out. 
- XXXX rep stated she would not give letter of release of judgment until the {$3800.00} is paid in full. 
- I asked for copy of lease as well as addendum and UDR refused to give copy. Gave me contact to NCC Business who is the collection agency handling debt. 
- Written request 4 times remain unanswered and still no documentation was ever given as to why I owe so much for 20 days. 
- This has affected my family greatly and resolving this is the last obstacle in front of us for pre approval in purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: RICHLAND HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am having a problem with a collection agency trying to collect on an account which has been disputed by myself repeatedly, and which the company refuses to address. I have asked for documentation under FDCPA guidelines and verification in compliance with the Fair Credit Reporting Act. Documentation in tangible format, which is not a bill from a collection agency. 
Numerous times I have asked for them to assist me and have received nothing by way of communications. 

I have no knowledge of the debt as I never took part in any medical rehabilitation services. It is my belief that the company is trying to collect a fraudulent medical debt attributed to me in error. Communication attempts on my behalf have been met with a stonewall approach, where the debt is not verified/validated and no answers are forthcoming. 

I am asking the CFPB to help mediate this matter with the collection agency as I feel that not only is this an attempt to collect a debt not owed, but flagrant abuse of my rights under the FCCA.

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 2019-11-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After I cancelled the bi-weekly withdrawal request in XXXX, the extra payment of {$600.00} was still withdrawn in XXXX. The following is a timeline of events. 

Cancelled the bi-weekly request in the beginning of XXXX through Customer Service by voice and through email request. Customer Service Representative confirmed she cancelled the request Called customer Service to verify payment in the middle of XXXX. The Customer Service Representative again verified the cancellation. Your website verified the monthly payment was due on XX/XX/XXXX and not on XX/XX/XXXX as with the bi-weekly payment. 
On XX/XX/XXXX, you withdrew the bi-weekly payment. I called Customer Service to resolve this matter and found that it was cancelled in the system, but it appeared it was reinstated. The Customer Service Representative stated that I would probably get payment back in three days. 
On XX/XX/XXXX, I again called Customer Service to ask about the status. I was told the bi-weekly payment was cancelled, but not the scheduled payment for the original request. This representative also stated it could take up to 10 days for reimbursement. 

It is now four days past the initial request for reimbursement, and I have not received the reimbursement. Since this was your error, the money should have been returned immediately. I have incurred a fee because the money was withdrawn without authorization. Its not acceptable to say that I can expect reimbursement 7-10 days when this was their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590.  That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I writing with concern to amend and dispute information regarding complaint submitted case number XXXX Bank of America. This will be a new complaint. 
Bank of America stated in a letter I receive that they never received information from my Lawyer regarding a request for reaffirmation for my home loan. My lawyer have sent me documents request that was sent to Bank of America. That confirm that Bank of America receive the request for reaffirmation. On XX/XX/2016 letter explaining they never receive information for my Attorney also enclosed with the letter I receive document for Bank of America that shows incorrect address. Bank of America did n't not send document to my physical address XXXX, Texas. I will fax all documents.

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: MS
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:
XXXX XXXX  has reporting a collection on my credit report for XXXX. The account appears to be from XXXX  XXXX XXXX  in which Transunion, XXXX  and XXXX  has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless XXXX XXXX has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX  to validate this account. How where they able to list a collection from XXXX XXXX  but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX  or XXXX XXXX. More so I never signed a contract with XXXX XXXX  for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX  They no longer have control over this account.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is information on my report such as a name that is not me. 
There are address on there that I have never lived there are phone numbers that are not mine

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