BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2018 .... American Express closed my two accounts stating payments were not being made to the accounts. Which my payment historys showed various payments to both accounts. Upon the accounts being closed American Express failed to send a final bill. After reporting this I recived a letter of apology. Again no final bill recived. American Express proceeded derogatory marks on my credit report about late payments, which the accounts were closed with no final bill received. Again I filed a complaint which American Express replied they no longer overseen the account since XXXX. Moving forward to contact credit collecting agency which has the accounts. Which I have done. American Express again made derogatory marks again increasing the amounts due. Again I filed a complaint and recived a letter that another credit collection agency is overseeing the the matter they have no control. Which has a different agency! 
Upon closure of the accounts Account ending # XXXX transferred to XXXX XXXX XX/XX/2018 {$960.00} Account ending # XXXX transferred to XXXX XXXX XXXX XX/XX/2018 {$320.00} American Express no longer handles accounts but will not remove derogatory marks Recently received a letter from another agency with different amounts. 
Was not made aware of American Express taking back the account to add additional fees Nor of the new collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BARCLAYS BANK DELAWARE
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Barclays Bank and US Dept of Ed/XXXX. The Account Opened is Barclays Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}. The Account Opened is US Dept of Ed/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the evening of XX/XX/2023 I made an ATM withdrawal using my Bank of America debit card on a XXXX XXXX  ATM in XXXX XXXX  XXXX. 

The amount was for {$260.00} with a {$9.00} fee. 

No cash or a receipt was given from the ATM. The store attached to the ATM was closed and I called the number listed on the ATM for if there was an issue, which directed me to BoAs help line which was closed due to after hours. 

I submitted a claim the next day on XX/XX/2023 on BoAs online portal. This claim was denied on XX/XX/2023. I've attached the denial letter which claims that the transaction was successful. This letter is strange as it includes XXXX  ATM transactions from the other people too which seems like a privacy concern. 

I called Bank of America today ( XX/XX/2023 ) to have them explain why the claim was denied. I had them re-open the claim to get more information from XXXX. I was told this can take anywhere from another XXXX days. In the meantime my temporary credit was removed when the claim was first denied and was not brought back when I re-opened the claim. 

I called the ATM operator as well ( XXXX ) who told me they can not help me at all with providing more information. 

It's very frustrating to have a claim ( my first ) denied that could be solved with a ATM audit that was not 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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and  this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-28
Company: ACIMA CREDIT, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I was approved for {$1800.00}, for my son to get car repairs. The loan # XXXX was for roughly {$1300.00} worth of work. The payment agreement was for roughly {$120.00} every two weeks to be debited from my bank account. My son 's banking information has been put on the account for the funds to be directly debited from his account. Recently he made a payment of {$100.00} on or about XX/XX/XXXX, which was slightly less than the amount due on XX/XX/XXXX. On or about XX/XX/XXXX, I received a text indicating the payment was past due for {$20.00}. I immediately called and made the payment to bring the account current. The next payment was due XX/XX/XXXX ; however, for some reason it did not go through my sons account for {$120.00}, ACIMA collected a payment for {$20.00}. Today, XX/XX/XXXX, I received an email indicating a " second attempt '' to notify me that my account is past due. This is not correct. I have not received any notification prior to today indicating my account was past due. Furthermore, when I contacted ACIMA I was told that because the {$20.00}, did not process on the XXXX of XXXX, even though I promptly paid it, ACIMA will rerun any transactions that failed in the past, even though they have been paid. I was told that the XX/XX/XXXX did not process making the account past due ; therefore, ACIMA reran the {$20.00} that failed on XX/XX/XXXX. So the {$120.00} was not available so that will rerun any previous payments that failed. That makes no sense and only can harm the consumer. The ACIMA Representative indicated this is in my lease in " Section 12 ''. This practice can not be legal and if it is legal it should not be legal and it definitely should not be buried within the lease in " Section 12 ''. If a merchant is permitted to draft my account for a specific amount and said amount is ultimately paid my another means they then should not be allowed to rerun that amount again, at all without expressed permission to do so. The merchant has never been given full autonomy to access a consumer 's bank account, especially if a payment is made over the telephone or otherwise for a specific amount clearing up that arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hired a moving company to perform our move from XXXX, XXXX  to XXXX, XXXX. The total amount of the dispute was {$18000.00} as the delivery company didn't deliver the items on the contractual date ( not even close ) also, when they did delivery it they only delivered 40 %, when the contract stated it would be all delivered on same date. The rest of our move took weeks and they breached agreement by putting our items in storage and damaging a lot of our items, which surpassed {$18000.00}. 

Citi didn't even investigate or discuss with merchant. They said over the phone that they would be reaching out to merchant and getting their side of the story ( which was false, as they stated after they never moved forward ) and never provided a reason. During this 1 month process, not a single email or phone call, and simply declined to investigate. I escalated to the executive team and they said I would have to deal with merchant - but hold on, what's the purpose of the credit card dispute process if the merchant doesn't honor their products and services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-09-17
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: Information belongs to someone else

Complaint:
I did not applied for these accounts and never made a deals with them. Remove as soon as possible.

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 2023-12-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my information.

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 2021-02-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to covid19 I fell behind considerably on my mortgage. At the same time I had an home owners insurance claim pending for water damage and other issues. I was eventually awarded {$45000.00} on the claim. As required, I immediately sent the check to Freedom Mortgage on XX/XX/2020 who is my mortgage lender and explained to them that it would take approximately {$25000.00} to do the repairs In my house and I would like to use the rest to bring my delinquent mortgage current. To this day I have not received any of the money to start the repairs on my house despite sending all the additional documents that Ive been asked to send pertaining to my divorce. I was told that my ex wifes name would have to be included on the check. I sent them a document showing my ex wife had assigned over the insurance benefits to me. They asked me to send in the divorce decree showing I was awarded the property during the divorce. After I sent that it still wasnt good enough so I asked them to just go ahead and put my ex wifes name on the check and I would work it out from there. I was told no, they cant do that, but the hold issue was that the check must have the ex wifes name on it. After exhausting all my efforts I decided to make this complaint.

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 2023-04-24
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Company charger more than the car was worth and was still charging even thoe they didnt even sell it yet plus dealership sold me a damaged car when they know it was damaged car was not drivable at all plus lost my job so had no funding

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SYNCHRONY BANK HAS A COLLECTIONS ON MY CREDIT REPORT THAT IS NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One has committed fraud and reps are liable via FDCPA Disputed XX/XX/XXXX Merchant responded Capital One requested proof of communication and my notification to merchant about fraud and goods. Was returned by XX/XX/XXXX with over 30 pictures showing proof requested. Stayed on the phone with rep to ensure it was received. She confirmed and said theyd resolve within 14 days. 
Not resolved. Called back and was told it was still being investigated. 
Called back at the end of XXXX and the rep said it was closed and could not be reopened. Rep said shes sorry no one revisited the investigation. I explained their negligence because they had all adequate information asked for. Rep said she could not get me supervisor and apologized. Told them Id be issuing a complaint as it was their fault it was past the amount of days for resolution. Put me on hold and said her supervisor gave the same answer. 

Names of some employees : XXXX Account Manager Fraud and Disputes Employee Id : XXXX I cited federal and she told me it doesnt apply and instead cited Per terms and conditions ILLEGAL XXXX XXXX ID : : XXXX XXXX Fraud Protection Department XXXX XXXX XXXX US based Frauds and Disputes Employee ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have written a request to Equifax Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage that was being serviced by " LoanCare '' and I refinanced on XX/XX/XXXX with another company. Upon the completion of the refinance, there was an escrow balance of {$6000.00} that was due back to me. On XX/XX/XXXX I called Loancare to inquire about the refund check since I had not received it. The customer service agent stated they would look into it and issue a new check. On XX/XX/XXXX I called and spoke to a supervisor named " XXXX '' regarding my escrow refund because again, I had not received a check. The supervisor stated that he was initiating a " review request '' that would trigger a reissue of the refund check. On XX/XX/XXXX again I was forced to call Loancare because I had yet to receive my escrow refund check. This time I was told that the issue would be escalated in their system in order to get the check processed quickly. Today is XX/XX/XXXX and I have yet to receive my escrow refund check.

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 2023-12-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: ALLY FINANCIAL INC.
State: NJ
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:
Today XX/XX/2020 I recieve a phone call from a Ally Financial representative ( see attachtment ), regarding my previous complain true the CFPB and stating that what they send me was a contract between my person and Ally Financial. 

I repeat once again : I am requesting original and direct signed contract between my person and Ally Financial Bank and signed agreement or contract between Ally Financial Bank and XXXX XXXX XXXX that shows for how much this account and all my Confidential Personal Information has been sold.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR 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 explanation