BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 may I called Bank of America to see if they had any 0 interest rates going on and the rep told me to send him a copy of my id and social security card XXXX open me a high yield account and I said no to him and I didnt send him no Id or my social security card, then I get a statement that I opened a new credit card and I didnt do it it was that rep that fraud rd my card of a XXXX dollars and Bank of America will not give my money back Ive been disputing this since XX/XX/XXXX and it should not have went off my credit card account .bank of americas trying to make me pay for something I didnt do and Ive been with them since XXXX, so please help me get my money back, Im a senior citizen living on fixed income

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 2022-05-25
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently obtained a copy of my credit report. Shockingly there were 7 different accounts placed in collections by the same company on different dates for varying amounts that I was never sent a bill or account statement for. Fidelity properties INC which I believe collects for XXXX XXXX. None of these dates coincide with medical treatment that I have received and the amounts make no sense. XX/XX/XXXX there are 2 accounts one for {$100.00} and the other for {$160.00}. XX/XX/XXXX has 3 separate collections accounts listed from the same place {$160.00}, {$180.00}, {$220.00}???? I did not get any type of medical treatment 3 times in one day! Nor did I get any treatment at all. No bills, just showed up on my credit report. My credit has been significantly destroyed by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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:
sent letter XXXX XXXX and called with police report number still have 4 auto loans that are not mine and XXXX with balance of XXXX not mine along with 30+ hard inquieres, they say try to reach creditor and then if that doesnt work to call them directly but then they just to push there service and do not remove the fraudulent items or say to go online and then when you go online it says to call. XXXX poor service remove my fraudulent items

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 2019-08-01
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it may concern, On XX/XX/19 I received a collection notice from Credit Collection Services claiming I owe them {$670.00}. On XX/XX/19 I sent them a letter requesting certain documentation in reference to there claim. A right I have under the FCRA and an obligation that must be fulfilled in order for the collection agency to continue in there collection process. On XX/XX/19 They sent a copy of a final notice and that was it. This did not address many of my requested documentation. They did not send me any documents showing that I had signed and agreed to pay the alleged amount. They did not show how this amount came to be.They did not provide there info showing there a licensed debt collectors in both FL where I reside and MA where there offices are from. Nor there license number. On XX/XX/19 I wrote a letter in response to there incomplete response basically requesting that they complete submitting the requested documents that I requested or that they drop there claim. On XX/XX/19 they sent a collection letter pretending as if all was complete and they can just proceed with there collection attempt without regard to the FCRA. This as clear act of willful non compliance. I have attached documents supporting all my claims. If you need any info feel free to contact me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BARCLAYS BANK DELAWARE
State: CA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX, and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2023-06-26
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
n 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 XXXX XXXX # XXXX {$1100.00}, Account name : XXXX XXXX # XXXX, 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 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 explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2015-10-15
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is about Hyundai auto finance company ... .they got my cell number from who knows where ... ..I have NEVER had a loan or ANYTHING with them, but they keep callllllllling me at least three four times a day sometimes more ..., ... they call when im on conference call and when they do, my conference cll drops ... and I have to redial in ... ..Ive sent them email telling them to " cease and desist '' ... ..and they talk to me like im the one infringing on their time ... ..they do n't leave messages, just call and call and call ... .its annoying ... .Ill NEVER buy a car from these people based on their behavior ... ..Ive never had dealings with them, a loan, nothing!! I HAVE TO PICK AN OPTION BELOW TO GET THIS THROUGH, BUT IVE NEVER HAD A LOAN OR NOTHING WITH THESE FOLKS ... ..I want them to stop calling me and or anyone else they are harassing! when u ask them to stop they do n't. then u call them they act like YOURE stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express pre-paid online gift card in the amount of XXXX. I tried to use the card at a number of online merchants, XXXX, XXXX XXXX, XXXX, XXXX. The card was declined at every merchant where I tried to use it. The card was activated and there were sufficient funds. 
I called American Express on XX/XX/23 and XX/XX/23 to request assistance. They indicated that the card was being declined because the merchant was marked as fradulent in the American Express system. Every merchant where I tried to use that card was declined. They indicated that I should just keep trying to use it until I found a merchant where it was accepted. They could not provide the name of a merchant or a list of merchants that would accept the card. The merchants were not declining the card, it was american express declining the transactions because they felt the merchants were fradulent. 
I tried a second time to get help from Amex and was transferred to a " supervisor '' who after an hour had still not picked up their phone. The card is unusable. Amex has the XXXX and will not provide assistance on how it can be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CAINE & WEINER COMPANY, INC.
State: TX
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On around or about XX/XX/2022, my score dropped XXXX points from TransUnion. 
All I see is XXXX changes for this action. 

XXXX XXXX services account balance increased by {$55.00}. 
XXXX XXXX increased by {$2400.00}. 

I can't see my score dropping XXXX points for this. 
The other XXXX XXXX score drop XXXX points not XXXX. 

I want a re-evaluation of my score. 
I think this is wrong.

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 2022-05-25
Company: SLM CORPORATION
State: GA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CBC Companies, Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2022-05-25
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2022, I initiated contact to PHEAA to pay a past due bill. The representative on the phone continued to ask me repetitive questions that their automated system already asked me. The representative continued to prolong the conversation claiming that they have to ask these questions over and over again but failed to explain why they are forced to continually delay processing because of the questions to be asked repetitively. 

The representative continued to become evasive with my line of questioning and came across as sarcastic throughout the entire phone conversation. The representative then threatened to report the account to an outside agency or the Credit Bureaus if I didn't pay the late fees which I informed the representative that PHEAA would need to send me where the late fees are going and an explanation as to why and where they came to the amounts that were added. 

The representative seemed lazy throughout the entire process claiming that she was going to get the information, would put me on hold for 5 minutes or so, then come back and claim she couldn't find any information. 

Again, PHEAA should not be making light of the fact that they believe their representatives are not doing anything wrong. This scenario is a pure example of somebody who is really not qualified to be dealing with the public. This is exactly why I've given a law firm a copy of the Letter from PHEAA 's lawyers and various responses to these CFPB complaints. Interestingly, it appears PHEAA has been sued in the past for Unfair Credit Reporting practices and ultimately settled because the courts realized what corruption was taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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've disputed accounts that were opened via identity theft with servicer between XXXX to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an 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 2022-07-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account XXXX, XXXX account number XXXX XXXX have all 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 an 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 explanation
Consumer complaint received 2022-05-25
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capio collections agency, has continuously called my phone attempting to receive payment of debt that I do not have with XXXX hospital in XXXX, Virginia. The agency 's reps. claim a balance of {$960.00} from a visit to the XXXX on XX/XX/2020 was sent to their collections agency on behalf of the hospital. However, I am fully insured and have contacted the XXXX hospital billing department numerous times regarding the alleged balance, and they have informed me that I do not have a balance nor have any past or present bills sent to collections. The XXXX billing department has also informed me that they don't have partnerships with the Capio collections agency to collect patient debt on their behalf. More importantly, the Capio collections agency has knowledge of my all of my information such as, social, full name, address, and account number with XXXX hospital. Many of the representatives sound un-professional and lack customer service etiquette working with the Capio collections agency. They have also sent letters that I no longer have or can find mimicking an actual debt collections agency report. I am reporting the agency as fraudulently trying to receive payments from patients and harassing me with constant calls regarding the made up debt. The number the collection agency has called from includes a local area code, but each time I call a different person answers as if the calls are diverted to different phones. The phone number they last called from was ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I received multiple emails saying new account was opened under my name at Bank of America. I dont have any checking or savings account at Bank of America . I called Bank of America fraudulent activity number and was told that they will start investigation. They said they closed this account. I did not receive any other 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never lived in an address where a XXXX XXXX bill was provided service. This bill was {$2100.00}. Someone has used my social or identify without my consent. Penn Credit Corporation XX/XX/22 was assigned to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation