BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Other

Complaint:
I was issued a merchant credit on XXXX/XXXX/2015 and it simply did not arrive on my credit card. This was due to the fact that the original card had been breached and a new number issued. The Big Bank told me in XXXX of several calls I made that they had no technology to move the credit to the new number. After at least XXXX phone calls I completed and online chat and was told they would be able to send the money ( in cash ) to my bank account but it would take 2-5 business days. Surprise after 5 days NO money. I reached out again -- -this time an online chat agent told me the exact same story -- -ANOTHER 2-5 business days and this woman told me to print out the chat as her word that it would happen as she said. GUESS WHAT -- -another 5 business days and no money. I now went into a branch to speak to a live person who called the big guns and when I left he told me that it would not be 2-5 business days but likely LONGER. NOW this bank has held MY money for 38 days. If I pay late I am charged interest but its OK for them to hold my money well over a month with no repercussions? I finally recognized the power of social media and when I posted on FB I got a fairly immediate response HOWEVER now the credit has posted well past the original date of the charge forcing me to pay for it and get my money back when I next pay my bill thus extending the time I am out my money. I feel i should be compensated in some fashion for the HOURS of my time spent chasing my own money AND having to wait for it. If this were a regular bill since they owed me the money the bank would have to pay me late fees and interest. Today I received a call form the social media team who were somehow able to get the credit sent to my new card ... funny how no one could do it before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: SIMM Associates, Inc.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from Simm Associates out of XXXX, DE. He demanded the last XXXX of the SSN before identifying himself. We finally got him to use an alternate ID. Then he identified the himself and what company he worked for. He told her the debt and ask what for type of payment for debt. We informed him that we were not able to pay it at this time and to have a nice day with that we ended the call. He called right back and when I answered the phone I asked his name and what company he was working for he hung up on me. I called the number back and he answered the phone with " This is XXXX and you have reached SIMM Associates ''. I said so XXXX with SIMM Associates that was n't hard. XXXX then starts shouting at me saying you man enough to call me back then be man enough to pay this bill. I told him that I was filling a complaint and he said he did n't care so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I made a banking online payment to XXXX for XX/XX/2016, and XX/XX/2016. My bank, XXXX XXXX XXXX returned the 2 mortgage payments to my acct stating there had been an address error in delivering the 2 payments. By the time I got the monies back in my acct, and paid the 2 payments, it was late, XX/XX/2016 payment arrived XX/XX/2016. My bank wrote a good faith letter which XXXX honored and waived any lates, negative credit reporting for those 2 payments. I sent Experian a copy of the good faith letter from my bank, and also a letter from XXXX stating they honor the good faith letter. Experian refuses to delete the negative credit reporting for the XX/XX/2016, XX/XX/2016 payments.

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 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an account with Bank of America for over a dozen years. I did not use their credit card for several months because I received better rewards at another bank. But they decided to close my account without warning or notice. As it was my oldest account, the closure dramatically lowered my credit score, and the company took away the cash rewards that I had available. When I called to reinstate the account, customer service told me that all I could do was start a new account and lose all of my longevity and rewards.

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 2015-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi there, it really frustrates me that the credit bureaus report information on our creditbut they are unwilling to take responsibility and accountability for theiractions. I just called Experian and spoke with a rep named XXXX atXXXX. I am a victim of Id theft. Originally Experian list XXXX different socialsecurity numbers on my credit, addresses and a host of collection accounts. 
They ( Experian ) had XXXX collection accounts from a company calledXXXX XXXX XXXX XXXX on my credit. I supplied them with a valid police reportand the accounts were removed then a totally different account from this company appeared witha new account number. I have tried to have the fraudulent/unknownaccount removed and I felt as if I was being ignored so I called and spoke toXXXX today. I am not sure where they found XXXX or what type of trainingshe has but she seems to be very incompetent. 
She advised me that Experian just stores information on our credit and is not responsible for the information being reported the creditor is. She further advised me thatthe original creditor advised Experian to keep the fraudulent account on mycredit. I asked XXXX to provide me with the information of the person orpersons that they spoke to at XXXX XXXX. She said she did not have thatinformation. She said that the information on my credit is being reportedcorrectly. I asked her if that was the case why were there still incorrectspellings of my name on my credit. She said oh those spellings havebeen on your credit since 2007!!! 
She also told me that the fax number I used has not worked in over 2years when that is the same number I used to send over my informationthat she said they had received in XXXX!!! 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Credit bureaus are reporting my former addresses as being ( 1 ). XXXX XXXX, XXXX, IN ( 2 ). XXXX XXXX, XXXX, IN I have lived at XXXX XXXX XXXX XXXX, XXXX, IN since 1994. and have never lived at the XXXX other addresses listed.

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 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In order to reinstate my mortgage I needed to pay {$9100.00} to Bank of America and I sent a bank check for {$7700.00} that was sent overnight express and they received it on Saturday XXXX/XXXX/2016 and my town sent the difference of {$1300.00} on XXXX/XXXX/2016 as a way to help us prevent foreclosure. I have called countless times to make sure the checks were not sent back. I found out today XXXX/XXXX/2016 that the bank certified check of {$7700.00} was sent back to me even though they noted the account and the account manager XXXX XXXX XXXX knew my intentions. I feel that the bank is deliberately sabotaging my mortgage so they can foreclose on my home. I have been in touch with they repeatedly so they knew what I was doing. In fact I faxed them a letter of my intentions as well. I feel at their mercy and under their control.

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 2020-12-29
Company: U.S. Auto Sales Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Us auto sales sold me a car that had a recall on it. When it broke down I could not afford to pay it and fix the vehicle so I had no Choice but to let it be repossessed. They got it in XXXX  XXXX. it was supposed to be sold in auction and I be notified of what it sold for and balance. Never received anything! Here it is XXXX and this company is still reporting on my report as if I still have the vehicle. I thought after 120 days a company has to report it as charged off on my report? Its not in charged off status on my report! Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates LLC keeps sending me letters when I have written to them and advised that I do not owe them any money. They sent me a letter today staying they have purchased a debt of XXXX from XXXX. They said that the seller had provided an electronic file of business records that they consider verification of debt. Unfortunately I never entered into an agreement with this collection company or 3rd part company. I have reached out to XXXX and they can not provide me with a written signed contract because they said the debt is no longer in the database. By law I am only bound to pay a creditor when I have entered into an agreement with them. I do not know who portfolio Recovery is but they are trying to get me to pay a debt that I do not owe them. If they bought this debt without the signed contract that it is not my problem. I will not negotiate or pay a 3rd part collection company because they can not legally provide me a signed contract showing that I owe them anything. Their unwanted communication and threats are now past the point of trying to be reasonable. I am asking that a full investigation be done into their illegal attempts at collecting on a debt that I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. Experian I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from XXXX on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: SYNCHRONY FINANCIAL
State: LA
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:
An Paypal account showed up on my credit report that was not mine. Since I'm a paying member with XXXX through their " XXXX '' program, I called for assistance and was told to file a dispute, which I did on XX/XX/XXXX. Their reply on XX/XX/XXXX led me to believe that it was taken care of and that my credit report would be updated. This account continued to show up month after month and I continued to dispute this ( XXXX Report # XXXX ) until their last reply basically told me to stop disputing the same account as " your information has already been verified. '' I did everything I was instructed to do to help remove this account from my credit report and to stop the account all together. Meanwhile, I had been calling the company ( Synchrony ) to let them know as well. They would only allow me to stop the account even though I could provide them NO information, no account number, no purchases, nothing, AND they did not have my phone number or my email on file. They could only find it me in their records through my SSN, which XXXX flagged for me when all this started. So fast forward to XX/XX/XXXX and I've been served with a court ordered petition regarding this same account that I have been disputing since it showed up on my credit report back in XX/XX/XXXX. Yesterday XX/XX/XXXX, the XXXX rep that I spoke to filed a fraud claim for me and suggested I file a complaint through FTC.gov with then redirected me to this page.

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 2017-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They said they took off the debt for XXXX XXXX after it was paid and I noticed ok my credit file again for the same amount with a different company after it was token off becuase the debt was paid in XXXX 2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed these accounts ( dismissed chapter XXXX BK XXXX and XXXX ) and was deleted from XXXX the other bureau, but I have not good resulted with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Alpha Recovery Corp
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me at work, my cell phone, my family, and friend. 
They call many times of day. 
I do n't want to lose my job over this. 
They threatened my son.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
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:
Dear CFPB Staff, My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus.

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in discussion is KeyBank Account # XXXX the issue at hand is a late reported in XXXX of 2020. Due to Covid-19 I was unable to make the payment but as soon as I was able to I got the payment made right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian will not open a dispute on a wrong address on my credit report. 

Please remove address : XXXX XXXX XXXX XXXX, GA XXXX I never lived at this address and I have proof of my previous address and my current address. 

You can not keep an address on my credit report that I never lived at in my life that is a violation of my rights. 

I am uploading proof of address change and my old and new drivers license to proved I never lived at this address.

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 2015-09-01
Company: Amsher Collection Services, Inc.
State: WA
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:
Over 8 years ago I was a XXXX XXXX customer. Upon closing our account I paid the balance owed and returned the equipment. In the past three months XXXX XXXX has sent a request to XXXX different collection agencies to attempt to collect {$120.00}. I do n't know what this debts about. Even if it was my debt ( which it is n't ), the State of Washington has a 6 year statue of limitation for contractual debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

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 2022-03-19
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received threatening calls from a collection agency about an apartment I moved out of on good terms. I did not get a letter or email explaining what I owed or how to resolve the matter. Over the past few months the amount has gone up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XXXX. I had printed a credit report in XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my credit report in XXXX of XXXX, I was informed that the date was changed to a time in XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra two years to have items removed from my credit report when its was verbally expressed and stated on a credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief