BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-09
Company: EOS Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from EOS CCA and was informed that I owe {$190.00} for a XXXX bill back in 2011. I told them I have n't had a Century Link account in many years and that I do not owe them any money nor had XXXX tried to collect any money from me. I told them I would need paper verification of the debt and the date of service. The caller asked me if I recognized a phone number linked with the account and if it had ever been mine ; I told him no on both questions. The caller then told me that I should call the police and report my identity being stolen ( escalating voice ). The call ended abruptly. I called XXXX XXXX and they have no records of me or me owing any money. I do not exist in their system. About 10-15 days later, I was checking my credit reports and the company showed up on my XXXX credit report as owing money. The reported date was dated between the time I was called ( XXXX ) and the time I checked my reports ( XXXX ). There has been no mail correspondence and no requested paperwork verification. I immediately submitted a credit dispute to XXXX. Just prior to submitting this complaint to you, I did some research and found several consumer affair sites with same and similar reports as to what I am experiencing. This is a fraudulent debt collection and EOS CCA is apparently well known for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a Bank of America credit card holder for about XXXX years ; after XXXX years of paying my monthly payments on time ( sometimes few days late ), on XXXX XXXX, 2015 I paid my balance in full. On XXXX XXXX, 2015, Bank of America sent me a letter announcing that Bank of America Card Services has closed my account due to my FICO score!! Clearly Bank of America was not concerned about my FICO score when they were extracting high interest from me every month ; however, as soon as I paid the balance in full my FICO score became an issue. Needless to say my credit score has been adversely effected by this action. Is this legal? Is this fair?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
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: Personal information incorrect

Complaint:
I tried many times with Experian fix an incorrect address appear on my credit report, i NEVER live on XXXX XXXX XXXX XXXXXXXX Fl XXXX and never works for XXXX XXXX XXXX that info is not correct, My address for more that 15 years is XXXX XXXX XXXX XXXXXXXX Fl XXXX and my 17 years employer is 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 2022-05-13
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX and my identity was stolen by an old co-worker. He took my wallet and it had my social security card inside and also other personal documents. I sent copies of a police report and also FTC reports to the creditors and the three major credit bureaus. The inaccurate items and amounts consist of the following XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX {$17000.00} XXXX XXXX XXXXXXXX {$55000.00} XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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: Account information incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  and XXXX XXXX XXXX violated my 609 rights by reporting incorrect 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 and 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 in accurate as well. I have requested to have my addresses, phone numbers and names corrected on my report as this is a violation of my consumer protection right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a parking violation for the city of New york on my credit report and I have never been outside the state of XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: NC
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:
Hello. I am a consumer whose rights were violated by XXXX, XXXX, and Experian. I pulled a copy of my consumer reports on XX/XX/XXXX. I read through all of my reports and did some research. I realized that I have been ignorant of the law and that I have been violated by these agencies. I filed an identity theft report, then mailed a copy along with dispute letters to XXXX, XXXX, and Experian on XX/XX/XXXX to confirm that I didn't provide written consent, permission, or instructions for these transactions to be reported to my credit report. These transactions also should have been excluded from my consumer reports because I did not give consent, and there is no permissible purpose for these items being reported. None of the companies reporting gave me the option to opt-out from reporting, nor did I give them permission to report anything. I checked the post office website, and I know XXXX, XXXX, and Experian received these letters on XX/XX/XXXX. I gave them 4 days to block and remove these items. Today is day number 4 and I haven't received a response. Here is the list of items they were instructed to remove : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: GA
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 attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. XXXX date of last active is XX/XX/XXXX, Experian date of last activity is reporting XX/XX/XXXX and XXXX date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with Experian every month as a charge off and is reporting with XXXX as being paid on time. Date of last payment with XXXX and Experian are reporting date of last payment XX/XX/XXXX but with XXXX date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a balance.

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 2021-12-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I used Citizens Bank XXXX service to send a deposit of {$400.00}. This was to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX for a private dinner event scheduled for XX/XX/XXXX. After I sent the deposit, the chef did not communicate with me to confirm details of the event and never showed up for the event. I contacted the bank to report the scam and obtain a refund since the service I purchased was never provided. I was told they couldnt do anything despite the fact that I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Total Card, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved in XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and XXXX. Send them documentation XX/XX/XXXX. Now total card is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX Bank of America responded stating that they had assigned me a resolution specialist, XXXX XXXX XXXX, and that I should make contact with her. I called the number ( XXXX ) a total of five times, and I left voice messages. No one ever contacted me, or responded to my calls. I recently received a letter via XXXX stating that I did not take advantage of the assistance from their company. This was not the case. Bank of America has a way of making their customers appear as being the wrong-doer. Bank of America appear that they are helping their customers, but in reality they are not. It is not by coincidence that there are many customers who are dealing with or who have the same experience with Bank of America as I have. 
In addition, I was a victim when I received this adjustable mortgage. I was part of the bad mortgages that was being approved back in XXXX when Countrywide sold my mortgage to Bank of America. I 'm XXXX with a reliable job, and is capable of making a reasonable mortgage payment as I always did prior to XXXX when my terms changed. The person who sold me my home ( XXXX XXXX ) who worked with the broker to get me such mortgage is now serving prison time in a federal prison for mortgage fraud. I feel that Countrywide and Bank of America knew what they were doing when they approved these adjustable mortgages to later foreclose on people 's homes.

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 2021-12-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was injured in XX/XX/XXXX and needed urgent XXXX XXXX XXXX XXXXXXXX. The doctor I went to told me it would cost {$4000.00} cash ( I don't have insurance, I'm a XXXX XXXX ) and offered to open a Care Credit account ( managed by Synchrony ), telling me it was interest free as long as I reimbursed regularly. 
After the surgery and for a year I made the payments religiously and brought the balance down from {$4000.00} to {$2700.00}. 
On XX/XX/XXXX, the anniversary date of the account, they charged me {$1000.00} in interest fees - 26.99 % of the original amount, despite my regular payments and the fact they were not owed that money. 
When I contacted them, they refused to explain the calculation and told me it was my fault, I should have known and this was it. I offered to pay in full and negotiate the fees because I had already paid {$1300.00} and I have a great credit score. They were rude, told me there was nothing to discuss and I was wasting their time. 
I ended up payment {$5000.00} for a {$4000.00} procedure because my doctor suggested Care Credit. It's a scam. The APR of my regular credit card is 13.9 % and they are accommodating when I have financial difficulties like what happened with Covid.

Synchrony is just a loan shark peddled by doctors who are probably in on it. Disgusting and a great disservice to the American people.

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 monetary relief
Consumer complaint received 2015-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America mortgage account XXXX is being reported 'open ' as of XXXX XXXX, 2015 ( please see attached documentation ). However, after numerous conversations with Bank of America representatives including XXXX XXXX and XXXX XXXX, I have been told that the account is, in fact, closed. Bank of America must clear this matter up immediately by correctly reporting the account status as closed. Failing to do so is in direct violation of the Fair Credit and Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), and if the information can not be reported correctly it should be removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I paid off XXXX of my credit card accounts with Bank of America XX/XX/XXXX. Recently, I began using XXXX of those accounts again. I received an email notice of an amount due ( of {$20.00} ) on the closed account and tried to access that account online to determine the validity of the charge and pay if owed. I was blocked from accessing the account by Bank of America. I called and for almost 2 months tried to get resolution on the problem they created. I finally relinquished and send them the {$20.00} payment, to which they assigned a {$1.00} late payment assessment. After two more months and several calls and internal emails to them, they finally credited my account and removed the {$1.00} late fee. In XX/XX/XXXX of this year, they wrote me a letter closing this account ( ending in XXXX ) stating " too many late payments '' on this account. The fact is that there were ZERO late payments for this account, so I called and spoke to XXXX separate representatives for this institution. The first said she saw no evidence of any late payments that would warrant closing the account in the records on the account. The second person I spoke with was a XXXX who looked into this and my other account with the bank, and she said that the XXXX account was in good status, however my other account had XXXX missed payments ( in XXXX and XXXX of XXXX ), even though it was paid up to date. I explained that while I received notice of payments due on that unrelated account, I was still being prevented from Bank of America from accessing the account to make online payments, Again, after XXXX months of internal online correspondence and multiple phone calls, I was able to once again access my account and changed my profile back to my original XXXX and password. Then, and only then was I able to make the payments. The Supervisor told me she would re-establish my account and send out a new card. She furthermore credited my account with the XXXX late fee assessments ( posting on XX/XX/XXXX ). She further apologized for the problems created by Bank of America and said she would look into the reports to credit agencies to get them corrected to show accurate information and no late payments. Consequently I received another letter from Bank of America dated XXXX XXXX, XXXX stating that they " were unable to approve my recent request to reopen '' my account, citing " too many accounts with balances and the amount owed on revolving accounts is too high. '' This is, of course, inaccurate and a false statement relative to my income and past history of credit card use and accounts. They also blamed XXXX XXXX, the company they provided with the false negative reports of " late '' payments citing a report received from them.

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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 'm in a double situation of annoyance. I was a previous student of the XXXX XXXX of XXXX. A company that was sued not that long ago for fraudulent activities and recruiting low income students in order to take out more loans than needed. On top of NOT being accredited, it made it significantly difficult to transfer credits to a better/reputable school. The credits themselves do n't even transfer to their OTHER XXXX branches. Forcing students to take out more money for classes because they credits could n't transfer over to schools within the same company. My loans were being handled by XXXX XXXX now Navient and it 's a nightmare. I ca n't afford to pay my loans off. They have absolutely no kind of payment plan that is affordable. When I had tried in the past to explain that I do n't have {$500.00} a month because what should I do? Not eat? Not pay rent? They hung up on me. When I called back the woman only wanted to speak to me if I could pay their price. I keep submitting for forbearance because I can not pay. What makes it worse is that my degree is considered useless. I could barely find employment in my field. Their graduation was a huge joke because all their graduates were supposed to have a showcase for recruiters show up. Not a single recruiter showed up for ANY department the students were in. I ca n't afford to go to another school and get a BETTER education from an accredited place and am stuck with XXXX worth of debt until probably the day I die. I find this extremely unfair that everyone was aware of the XXXX XXXX 's shady practices, SUED them and not a single student of that school that was a victim of their shady practices saw any kind of benefit. Now XXXX/Navient is being sued for the same nonsense and what will come out of it for me? Does my debt get abolished? Will I get my credit back to a decent place? Will I receive money to go to a new school? I hate that I did the right thing by trying to get an education only to end up misled and scammed by BOTH of these organizations. I 'm XXXX and have to pretty much START all over again in education paying desperately out of pocket for classes here and there because I ca n't afford to take out anymore loans to attend a school. Not even a community college.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to resolve these accounts with this collection agency multiple times. I have asked for proof and proof of consent of access to my medical information for the alleged debt. I have told them and provided them with information in regards to my attorney for any medical bills related to a work injury. They still failed to provide any documentation after the fact and continued to attempt to collect this alleged debt. Anything related to this case has be ruled by a judge to be covered and paid by copperpoint insurance. I requested proof of consent for them to have access to my medical information under HIPPA and proof of my liability which they responded " As you are already aware ... ... .ARS has verified this information with our client... .. '' such statement does not provide any proof. I requested this on XXXX, XX/XX/XXXX, XXXX with the same exact response each time. Their response is unacceptable and I continue to get the same letters on a monthly bases. I called them the month of XXXX in XXXX letting them know decision of the judge as well as my attorney information prior to them I had already given them my attorney information letting them know I was in litigation for this matter. My date of injury was XX/XX/XXXX which has resulted in numerous emergency visits after the injury date which the dates listed on there documentation was a resulting visit of that injury as well. Therefore is not my responsibility as ruled by the judge.

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 2015-12-31
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I consolidated my student loans thru Discover and they are charging me 9.950 % interest. I have asked them to refinance but they refuse I am at the point I am going to default on this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
BAC loan was signed to rescind BAC stole over {$150000.00}. 
BAC they broke a dozen Laws ( to me )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation