BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX-went to Bank of America ( XXXX XXXX branch, CA ) closed checking acct. But XXXX XXXX ( BOA ) closed both my saving and checking without permission. 
XX/XX/XXXX-Went to BOA ( XXXX ) who said that my saving ( XXXX ) has been closed. Staff said if I did not open a " new '' saving account today. All money remaining in saving will be gone permanently XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and realized XXXX has been terminated due to received several complaints from customer XX/XX/XXXX. Talked to acting branch manager, after filled out paperwork, she promised she will recover my saving acct by next Tuesday. I also shown that my credit score has been dropped off XXXX point from XX/XX/XXXX to XX/XX/XXXX, because of closing this old saving account ( opened XXXX ) XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and teller told me saving account has been recovery, all money from new saving has transfer back to saving before closed this account XX/XX/XXXX- After deposited money to BOA ( XXXX XXXX ), I realized they put money to new saving account. Staff told me it is the only account I have. That means BOA ( XXXX XXXX ) lie on me by never recover saving 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: WI
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 below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. Accounts Below : US DEPT ED # ACCOUNT XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX US DEPT ED # XXXX XX/XX/XXXX XXXX  XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX # ACCOUNT XXXX XXXX  ACCOUNT XXXX XX/XX/XXXX CHAPTER XXXX BANKRUPTCY # ACCOUNT XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I JUST GOT OFF THE PHONE WITH EXPERIAN AND WAS TOLD THAT THEY COULD NOT REMOVE AN OLD ADDRESS FROM MY CREDIT FILE. I'VE DONE MY RESEARCH AND I BELIEVE THAT THE ONLY ADDRESS THAT SHOULD BE REPORTED IS THE CURRENT ONE. I'VE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST AND ONLY WANT MY CURRENT ADDRESS REPORTING TO AVOID ANY MORE SURPRISES.

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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.

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 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is to check on the status of my previous complaint against Bank of America. Complaint number : XXXX. I sent a subsequent follow stating that Bank of America did not address my concerns. I have not heard the status of that second follow up. Also, The link from CFPB that was emailed to me is no longer working. Please advise.

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 2022-06-02
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:
Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX XXXX website . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX  XXXX XXXX auto pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW 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 non-monetary relief
Consumer complaint received 2015-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a formal request to challenge the hard and soft inquiries on my Experian Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I applied for a mortgage modification from our lender Capital One. We were approved and began making payments on time. We were told that if we made three consecutive payments we would be approved for the new modification mortgage. A few months later we were asked to sign and have a notary of our signature so we sent back and Capital one told us they did not receive. They later called back and said they found the signature. We continued paying the mortgage and a week later they needed another signature motorized. This was a concern because we had already been approved and now we have to sign again with a notary. We sign and had notarized but the paperwork never was received so Capital one sent us a letter that our modification was cancelled. I immediately called and asked them to please reconsider but they told us we need to reapply and now are trying to charge us outrageous fees. Please help us resolve this matter. I feel that the company should be investigated for poor business practices. The server should have had all paperwork signed, notarized and completed before making any approvals on the loan. Captial ones practices are poor and deceptive business. We want our modification we were approved for back without all these added fees that we are not getting because Capital one extorted money for missing signatures that they should have gotten before approving any mortgage loan. This was is what they call a servicing scam on the part of Capital one, used to trip up consumers and mess them up with their approved payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Account status incorrect

Complaint:
Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX  XXXX XXXX . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX  XXXX XXXX XXXX pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX  XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had a car lease through XXXX XXXX XXXX. I traded my car in on a new car and the dealer sent the full payoff via certified letter on XX/XX/20, which XXXX XXXX confirmed they received the check for the correct and full amount on that date. The payoff was good through XX/XX/20. After numerous calls, emails, and resubmission of paperwork they still havent processed the payoff on XX/XX/20. Between the dealer and myself we have called 9 times and Ive received multiple notices that my payment is due with late fees. Im concerned this will hurt my credit rating for something that should have been handled almost a month ago. I repeatedly have been told there is no one that I can speak to directly in order to have the situation resolved. Instead they keep saying they have sent emails to the department that handles payoffs. I called again today and have spoken to 3 people and still no one can resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Once again capital continues to charge incorrect Interest charges but it clearly states on my contract that " interest charges accrue on every unpaid amount until it is paid in full. until it is paid in full ''. Which the amount was paid off before the due date and there was no purchase made for the interest to accrue.Capital continues to take money from their customers and when you call them, their agents are very nasty.Why use a company that can not even respect their customer. This is the quick silver account ending in XXXX paid off for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02
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 status incorrect

Complaint:
Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX XXXX website . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX XXXX XXXX auto pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX  XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW 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 2020-12-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

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 2016-08-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had received several letters from XXXX XXXX XXXX XXXX XXXX agreeing to remove both accounts from my Experian Credit file. I have fax these letters to Experian multiple time now and the information is still reporting on my credit file. This has been a concern to me because when a consumer is being honest about different situations they go through with these credit agencies it seem like we still get XXXX. In other cases communicating with the credit agencies trying to stay on top of things one representative states they received my documents and talk to another and they claim they have n't receive anything.

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 2022-12-13
Company: Consumer Portfolio Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Account name Consumer Portfolio Svc Account number XXXX XX/XX/XXXX was opened XX/XX/XXXX was closed and paid off Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX No phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: SC
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:
I have reached out to the CFPB pertaining to this issue about 2x already and this is going on the third  month in which, after this I will reach out to the attorney general and look to pursue legal counsel against Equifax and XXXX. They are solicitating information against my email in which the debt that is listed on my credit report in which there is no $ owed the account under XXXX XXXX is not even under their management. My information was sold and this account was given to XXXX XXXX XXXX XXXX with my consent or permission and there is no debt owed. Therefore, this company illegally gave along my information to XXXX in which no debt is owed as pertaining to this document and XXXX  is on my credit report in which they according to the document " we do not have access to the current owner 's account information, and therefore the above information may not reflect the current status of the debt, which is no longer owned by XXXX XXXX ''. Therefore, these two credit bureaus XXXX  and equifax are holding information that they are reporting verified as accurate aganist my will which is incorrect! I need this fixed ASAP! as this violated 15 USC Code 1681 ( a ) ( 2 ) ( B ), the Truth in Lending Act 15 USC 1602 ( g ), and 15 US Code 1692 ( a ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Account information incorrect

Complaint:
I made settlement arrangement with XXXX XXXX XXXX and made my payment on XX/XX/2021. They did not offer to remove them from my credit report but they did say they would mark them as charge off and paid in full for less than the full balance. I am fine with this agreement, but I'm not fine with XXXX & Equifax not following through and reported these as paid. XXXX is reporting them as legally paid in full for less than dull balance in the comment section but no where else. And on on of the XXXX accounts all three bureaus are still reporting the balance almost a full year later. I've sent them XXXX separate letters concerning this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Incomm Holdings Inc.
State: AZ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Advertising, marketing or disclosures

Complaint:
I purchased a {$500.00} XXXX XXXX gift card on XXXX/XXXX/16 from XXXX. The card was subsequently lost and I could not find the receipt with the XXXX digit identifying number and so I simply accepted it as a loss and moved on. Recently I found the gift card stub with this identifying number and quickly called Incomm to see if this was in fact the receipt I needed. The representative was easily able to find the card with the {$500.00} still on it and I was given a reference number and an e-mail address. I was told to send a photo of my ID, proof of address, and the gift receipt and the card would be replaced and mailed to me. 

I waited for a few weeks and when it never turned up I called them back. The representative then told me that the receipt was not enough and I needed to collect an electronic journal from XXXX, I had already done this once in the past but had thrown it away when I was told it was not enough and that I also needed the XXXX digit code. 

I attempted multiple times to get this electronic journal, both through the local store that I purchased the card at and the corporate office. I was told the receipt would be mailed to me after i supplied the necessary information over the phone, which I did, which included the exact date and time of the purchase and the amount of the purchase. Once again I never received this in the mail either, I called XXXX and was told that electronic journals were only kept for 90 days and there was nothing they could do as I purchased the card months ago. 

Incomm showed surprise at the fact there was no journal and stated they must be kept 365 days by XXXX, I tried to get it again multiple times but each representative at XXXX confirmed it was not kept that long. I escalated to a manager at Incomm hoping to resolve the issue in some other way, either through a bank statement or some other method of proof of purchase. Bear in mind from the start I was told I had already submitted sufficient information and then it turned into this fiasco. 

I am hoping the CFPB will be able to help me resolve this in some other manner, as I find it completely unacceptable they have already identified this unused card with {$500.00} on it and are now telling me I have n't submitted the proper information.

Company response to consumer: Closed with explanation