BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America has reported on my credit report for  XXXX  that I had  XXXX  payment s 30 or more days past due this information was and is incorrect i have sent numerous   letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the bank of america numerous document showing past mistake of my payment that were misapplied b y thier associates yet they still will not correct my credit report the bank of america has the wrong infor mation on my payment, balance last payments amount made & ect i  have recently sent them a letter  ( This is the exact letter ) a nd other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting Bank Of America  Address    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blan k ) &  Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accoun t s after d ue date. I ( Blan k ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made (   XXXX   XXXX   XXXX   XXXX   ect. ) Pleas e Mail this information ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: ME
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:
After 2 investigations by the credit bureau 's, the information on my credit report is still incorrect. On the XXXX XXXX XXXX, acct # : XXXX, the close dates are incorrect. Because of this, the account listed above must be deleted. I have enclose supporting documentation.

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 2016-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX mortgage has not deleted the fraudulent reporting of a mortgage loan they have XXXX interest in. Equifax continues to state this mortgage is in foreclosure and XXXX has no legal ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Clark County Collection Service
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with.     This collection agency has stated that I owe them {$2400.00} and is continuing to ruin my credit file.     They have sent paperwork for a loan that claims I took out a loan for {$1800.00}. This is n't even the same amount they are telling me to pay them.     I have taken out previous loans with the original creditor and paid them all off on time.   I believe they have pulled something that appears to be a signature of mine from past accounts.     I do not know who " Clark County Collection '' is, nor do I have any type of contract with them that I am obligated to pay them or owe them money.     They claim to have sent me a letter in  2013  that I NEVER received or I would have fought this back then!     This needs to be removed from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt is a result of identity theft Midland credit management Account # XXXX Opened XX/XX/2021 Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Debt not mine I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
In XX/XX/XXXX I signed up for online access to a food recipe blog site. I did not receive any information from the site alerting me that the subscription would be automatically renewed. In XX/XX/XXXX, I received a new XXXX charge to my Bank of America credit card from the site. I went to the website looking for contact information and found a way to submit a message via an online form and through an email address. I used the online form and didn't hear back, so I contacted Bank of America to dispute the charge. BoA reversed the charge while they contacted the site owners. On XX/XX/XXXX, I received a text message from BoA to review the resolution in the online banking Message Center. What I found was that BoA reinstated the charge and provided the response from the XXXX site. The response from the site stated the customers are charged at checkout, but I checked out a year earlier. They also provided a log that showed an IP address opened emails from them and the BoA representative said that was proof enough that I owed the amount charged. The log did not contain dates for these actions or any information to indicate the IP address is mine. Also there was nothing indicating that I agreed to an auto renewal. The log did show an unsubscribe entry which, if that is my XXXX address, was probably when I tried to unsubscribe to their email using a link at the bottom of the emails. I am still receiving emails from the site and have no way to stop them. 
When I called Bank of America regarding the letter the person, I spoke with repeatedly told me that it was up to me to prove that I didn't agree to auto renewal not the merchant initiating the charge and that the log was proof enough that I owed the charge. The response was absurd and he would not put me in touch with anyone higher up to discuss the issue because they were too busy. He refused to give me his last name and then took my phone number to have someone return my call, but they have not. I asked the rep if the calls are recorded and said yes, so they can listen to the call if they want. I have attached files related to this matter. 
This is small money, but I can not be the only person that this type of thing is happening to. What if I pay the bill and this is charged again next year? Why should I have to initiate a lawsuit against the merchant to resolve this? Some people would not be able to do that, there needs to be broader consumer protection. Based on the information provided, I don't know how BoA can say they completed an investigation. The Credit card issuers should have to provide a better level of protection for their customers.

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 2017-07-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On or about  XX/XX/XXXX , I received mail from the gas company BP. It looked like replacement credit cards for me and my wife. I have had a BP gasoline card for about 30 years along with cards from a few other gas companies. This card looked a little different in color and I was puzzled by the Visa logo on the from of the card. I looked at my existing BP card and it does not expire until  XX/XX/XXXX  which was more puzzling as to why they sent a card a year in advance. After looking over the material in the envelope I relealized they sent me a general Visa credit card which I did not ask for.
<P/>
I called the number on the sticker on the card ( page 1 in the attachment ) and got to an operator who was trying to get me to give her personal information like SSN and phone numbers and I stopped talked to her. I hung up. I pulled one of the cards off of the letter and underneath was a different phone number cleverly hidden under the card ( page 2 in the attachment ). I again got a person trying to get personal information from me. I insisted on speaking to a supervisor and was transferred to a gentleman several minutes later. Upon pressing him about what I received and why. He told me that BP sent out a credit card offer with a OPT-OUT provision. This was incredible. I told him I get a ton of credit card offers in the mail and routinely shred them to protect my credit and never heard of this. I explained how upset I was at this deception and got very little support from him. I told him this was fraud and the credit card could have gotten into the wrong hands and since I was not expecting this it could have created a big problem.

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 2015-09-04
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a Macys account in 2014 when they promised a discount on all purchases that day. I later found out that they did not discount as they said so only kept this account for a few months. When I received a statement in XX/XX/2015, it said I owed {$66.00}. I paid this on XXXX/XXXX/2015 and asked that my account be closed since I felt I could not trust this company. Today, I received an email saying I owe them {$4.00}. I called Macys this evening and the woman told me they charged an additional {$2.00} after I paid off the account and now they are adding another {$2.00} on the original XXXX. She could not help me stating her manager would call me at some point but she could not say when.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-18
Company: Worldwide Processing Group, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received call from "   XXXX   XXXX   '' claiming I owe a debt to some payday loan company. I do NOT. I owe ANY payday loans.
<P/>
They threatened to take " legal action '' if I did n't call. I did to listen to their lies -and they claimed a payday loan company named "   XXXX   XXXX   '' was their client.
<P/>
ALL completely fake and a complete scam. While they did have my 1st and last name and my last 4 digits of my SS # - they clearly bought this information and are attempting to strong arm me into paying a ransom. Illegal under Federal and State criminal laws.
<P/>
The BBB has them marked an F and a known scam in NY -- >   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    I demand they stop contacting me and purge all information they have in their system on me purged - immediately.  <P/>
This company must be shut down immediately to prevent further ID theft of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've sent dispute letters from XX/XX/2021 up until XX/XX/2021 stating that the account is inaccurate and needs to be deleted for XXXX XXXXXXXX XXXX. 
None of the information has been verified and I have not been sent proof of what they did to verify the account. 

This account is reflecting as a charge off and should not be showing active payment history.

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 2017-05-18
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a mortgage w ith Ocwen. T o begin with, they appraised my house about {$30000.00} more than it is appraised at today. In  XXXX , I have a balloon payment of {$50000.00} which I do not have. I am trying to refinance with another lender. For a VHA loan, the appraisal and credit are fine but they discovered that my house could possibly be less than  300  feet from a gas station across  XXXX  he street from my home. I am currently in the process of having this surveyed. W e have also considered a convential loan but it appears that Ocwen shows I have  XXXX  late payment. I had a bankruptcy discharged in  XXXX . I paid off a second mortgage with Ocwen in   XXXX  . Although I think I have the problem solved w ith Ocwen, t hey would continually not send my payment coupon. I would call them and after talking with several different people, I convinced them that the bankruptcy had been  discharged ba ck in   XXXX  . They kept saying I had another bankruptcy in  XXXX  which is totally false. There was never any real property included in the bankruptcy. Unfortunantly this late payment report blocks getting a conventional loan. Do you have any help for this? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
IN XX/XX/2021 MY CREDIT AND BANK ACCOUNT WAS COMPRIMISED A NEW ACCOUNT AND CHARGES WHERE MADE FROM MY CHECKING ACCOUNT WITH CHASE BANK AND A NEW BANK ACCOUNT WAS OPENED WHEN I FOUND OUT I CLOSED THE ACCOUNT AND NOTIFIED ALL ENITIES I HAD DEALINGS WITH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is, I believe, the third CFPB complaint I have submitted against this company for the exact same reasons. You have done nothing to help rectify this problem. Equifax has done everything wrong to try and fix this problem, which is a violation under the FCRA. Both XXXX and XXXX seem to have no problem reporting my credit information accurately and timely. Equifax is the only CRA that is not only falling down on the job, but is basically illegally not furnishing accurate credit information. My XXXX XXXX store card has not updated since XXXX/XXXX/15 now and actually that card is now closed as I was upgraded to their XXXX XXXX XXXX which is also not reporting. Back around the XXXX or XXXX complaint with the XXXX both my XXXX XXXX and XXXX store cards were not being updated, they XXXX were reporting a balance when they were XXXX XXXX, and the only way I could find to get them to update was to dispute the trade line. Out of frustration I called Equifax ( for the 10th time ) to try and resolve this. The CSR I talked to said there was nothing they could do but dispute the tradelines. Angrily I accepted and he submitted the dispute, and to my horror XXXX tradelines were removed from my credit report. Two years ' worth of positive payment history gone. I have tried very hard to build positive credit and this is unacceptable in all accounts. I am just getting around to sending this complaint due to the holidays, but I will be applying for my first mortgage in the next few months, and if this is not resolved by then, I will have to sue Equifax as this is greatly affecting my life. I have spent countless hours on the phone, e-mail, etc. trying to resolve this, and if this affects my mortgage process in anyway, if I get a higher rate because of this, I will be enlisting my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am sure they can rectify this in the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: JP Development, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A judgement was entered from  XXXX   XXXX ,  XXXX . Idaho has a   XXXX   year renewal.  XXXX  renewal  XXXX .  XXXX  renewal date  XXXX   XXXX ,  XXXX .   { XXXX } Principal debt { XXXX } Post-judgement interest { XXXX } Accrued costs { XXXX } Total debt The original debt is a mistake. The   XXXX   XXXX  , which has since closed, never presented the debt to defendant and judgement was made without our knowing. This is a complete mistake. We never received any information or opportunity to solve this matter until  XXXX  and now again  XXXX . The debt collector and  XXXX   XXXX  practice have the same address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions Inc.
State: WI
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 recently complained to Experian to remove the faulty Chapter  XXXX  bankruptcy from my credit report. This was their response : 'According to our records, the disputed chapter  XXXX  bankruptcy does not appear on your current Experian credit report. We are in the process of mailing a current Experian credit report directly to you for review. Please note that mailed correspondence  may take  up to 10 days for delivery through the  US Postal system ... ' However, upon creating a personal Experian account, I noticed th e public record is STILL THERE. AGAIN, Experian is either lying to protect itself against yet another complaint from the CFPB or HAS PULLED SOMEONE ELSES FILE WITH A SIMILAR NAME.     I am really quite tired of people mistaking me for other individuals, especially this guy in Georgia who I have never met . Either tha t, or the company is attempting to defraud or deceive in order to avoid a CPFB complaint, which is illegal.

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 2017-04-28
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Chase. I also have  XXXX  & am in school full time, so my wife agreed to pay our bills. This is the second time she has been late making this payment in 4 months, which is rare. We mailed a postmarked payment on the  XXXX  of  XXXX   XXXX , the payment was due on the  XXXX , but the company did not receive it until the  XXXX . They charged a late fee. I called the company to get the late fee dismissed but they told me they only give  one  of those every 6 months & I already had one in  XXXX   XXXX . I was informed that federal law protected consumers in the   XXXX   XXXX     Postmark Payment Protection Act    XXXX . I called the company back with this information & was told that bill was only introduced by Congress but never ratified into law. My family is striving to meet our demands on a fixed limited budget to get through school. This late fee has come as an unexpected surprise to our finances. We strived to make our payment on time, but we had no idea that the mail takes so long or that these protections are not actually in place. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-18
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: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX has reported on my credit report for XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address Mail XXXX fl XXXX XXXX XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) &  Account Number ( Blank ) I ( blank ) on this XXXX Day of XXXX XXXX do hereby request a complete copy of my payment history from XXXX XXXX XXXX to XXXX XXXX XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex XXXX XXXX XXXX XXXXXXXX. XXXX Please Mail this information ASAP

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