BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I specifically requested to have no overdraft fees in my account when i opened. Turns out the lady that helped me at XXXX XXXX branch of Bank of America did put overdraft. I called and another customer service represantative told me she removed them and i was hit with XXXX $ overdraft fees in just one week. After she told me she removed them within 4 days i get hit again. I have almost XXXX $ to pay because of only overdraft fees without my consent at Bank of America. Representatives do not care and no one is refunding my money because i didn't sign for any overdraft and i made it very clear since the beggining.

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 2017-05-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ARS Account Resolution does not have a bond in Texas and can not legally collect a debt. They are violating the law and are completely disregarding the Fair Debt Collection Practices Act. This is my second complaint regarding this matter.      ARS  claimed to be a part of  XXXX   XXXX   XXXX   XXXX   XXXX , although the Texa s Secretary  of State does not have this information on file, which means that this company is using dishonesty as a scare tactic.     Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapte r 392 and may also be a criminal offense. Tex. Fin. Code 392.402.      I am in the process of filing a complaint with the BBB and the FTC for ARS Account Resolution 's BLATANT criminal behavior and underhanded attempts to try and break the law.    ARS is not LEGALLY able to collect any debt in TEXAS as ARS does NOT have a surety b ond, SO THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY or I will have to move forward with legal matters for  ARS 's failure to validate the debt, attempt at illegally collecting debt, and violation of HIPPA  laws.

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 2023-10-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit 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:
Order # XXXX I purchased a 2 piece suit from Macy 's online on XX/XX/XXXX  for {$110.00}. Upon receipt, I discovered that the company only sent a jacket and no pants. I contacted Macy 's and informed them. They stated that they would send a replacement and also send a separate return label to return the original item. I waited for several weeks and to date I have not received the label or the replacement. On XX/XX/, I visited a Macy 's store to return other items. On that day, Macy 's Online indicated to me and the store clerk that they processed the return under Order  # XXXX and that I should leave the item at the store. The store processed what they called a XXXX return, which means that they took the merchandise but did not issue a credit since the Macy 's Online representative confirmed that he processed the return and that I would receive the {$110.00} in two business days. As of XX/XX/XXXX, I had not received the refund and I returned to the store. Three store clerks spoke to Macy 's online representatives in an effort to assist me in getting the refund. A Macy 's store clerk listened and confirmed that they processed the refund and even provided me with a confirmation number # XXXX. On XX/XX/, I called Macy 's Online to see why the refund has not been issued. The Macy 's Online clerk indicated that my refund was not processed and she does not why. I paid for merchandise that I never received in full and I returned the partially received merchandise without being fully refunded for returning the merchandise in which Macy 's accepted.

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 2018-10-30
Company: SYNCHRONY FINANCIAL
State: NV
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 recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall ever authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. This is the third time that I tried to resolve this issue with your staff and management team.

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 2023-05-01
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: Information belongs to someone else

Complaint:
This closed account is fraudulent and unauthorized as I was a victim of Identity theft. Please remove the mentioned account from my credit report in accordance with FCRA 605B ( 15 U.S.C 1681 c-2 ) which states that these accounts must be removed within 4 Business days of receipt. I have no knowledge of this account as I was only XXXX XXXX XXXX. I reached out to Equifax to remove the item and they have not been able to assist me. I sent Equifax my dispute letter, FTC report, and 2 forms of identification but have not received a response since the date of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: NVR INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I signed an agreement in  XX/XX/XXXX  to buy a  XXXX  home (  XXXX   XXXX   XXXX   XXXX  va  XXXX  ) Lot #  XXXX . Community name is  XXXX   XXXX . At that time they told me that the house will be completed by  XX/XX/XXXX , but it is still not completed as of today. Anyways meanwhile i started working with NVR mortgage for my loan approval and this is their own mortgage company. The loan  officer  send me an loan estimate on  XX/XX/XXXX . According to that my interest rate was 3.50 %, loan amount  XXXX , and cash to close was  XXXX . Then he sends another estimate and then finally on  XX/XX/XXXX  they send me a closing disclosure, according to which my interest rate has increased to 3.875 % and closing costs to {$12000.00} and loan amount remains at  XXXX . I tried to call the loan officer  XXXX   XXXX   XXXX  several times but he never answers the phone or calls back to clarify about the increase in interest lead that ultimately lead to an increase of {$35.00} in my monthly payment. In this whole process they approved my loan two times and pulled up my credit scores  XXXX  times because of their own mistake of delaying the house construction. Recently they scheduled my closing on  XX/XX/XXXX  which they again changed to  XX/XX/XXXX  and i am still not sure about that. I am very disappointed with he whole process. No one in the entire process from the project manager, loan officer to the settlement person knows that whats going on and what will be the right dates. I have saved all my communication and documents with them and i will attach the loan estimates and disclosure with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: SANTANDER HOLDINGS USA, INC.
State: VA
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:
According to to 18 U.S.C. 10284. 
You have knowingly transferred possed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( ), you are governed by th Credit Reporting Act ( " FCRA* ), 15 U, S.C . 1681, et seq., which protects consumers from inact outdated, or invalidated information reporting of their consumer file. The FCRA states that consumer reporting agency 's responsibility to ensure that all information contained within consumer is accurate and free from errors. Your company is regularly engaged in the business of assemblir evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S, C. 1681a ( d ), to third parties, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 

Santandeer XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Experian Information Solutions Inc.
State: MI
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:
On  XXXX   XXXX  I filed a proper dispute with Experian on an unknown medical account on my credit report because if it was mine it very well could be obsolete at this time. In my dispute I requested the name and address of the service provider, patients name, dates of service, etc. I received back a response dated  XXXX   XXXX  stating the investigation is complete and that they contacted the company and the account will remain on my report. On page  2  dated  XXXX   XXXX , it clearly states : If interested, you may request a description on how the reinvestigation was conducted along with the business name, address and phone number of the furnisher of information.   So I re-disputed with Experian on  XXXX   XXXX . Asking them to supply that information to me, as I am requesting it again for the  2nd  time.   In addition to sending Experian the dispute, I also contacted the reporting collection agency on  XXXX   XXXX ,  XXXX   XXXX   XXXX , with a dispute and request for validation on this unknown account as per instructions from Experian 's dispute results letter dated  XXXX   XXXX ,    2017 I aske d for proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.   I received a letter from  XXXX   XXXX  dated  XXXX   XXXX . Their version of verifying this debt was  a one pa ge sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges.   They way that I see it, Experian cant furnish the requested information to me because if they did properly investigate my dispute, they would be able to furnish the requested information to me. IF they contacted  XXXX   XXXX  and requested the information from them, like they want me to believe, they would also have no information on dates, services, doctors, etc, because  XXXX   XXXX  is unable to provide that information to me as you can see in the follow up letters.   Experians refusal to investigate is a violation of the FCRA and FACTA.

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 2023-10-31
Company: Affirm Holdings, Inc
State: FL
Product: Credit reporting 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 am writing to file a formal complaint against Affirm, Inc/Affirm Holdings , Inc. regarding negative remarks on my credit report without my consent, citing violations of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Specifically, I reference the following sections of the FCRA : * 15 USC 1681a ( 2 ) ( A ) ( i ) - Exclusions : " A consumer report does not contain a report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Late payments and credit utilization would fall under the category of experiences, and, therefore, their inclusion on my credit report is in violation of this provision.

* 15 USC 1681a ( 3 ) - Unauthorized Reporting : Affirm assumed the role of reporting my credit information without my explicit permission or consent. This action infringed upon my right to privacy, as outlined in 15 USC 1681a ( 4 ). The company also failed to exercise its responsibilities fairly and impartially and did not have a permissible purpose under 15 USC 1681b ( 2 ) ( A ) to furnish this report, as I never instructed them to do so. Affirm had violated & continues to violate my consumer right to privacy.

* Affirm is also in violation of 15 usc 6802 ( d ) titled : Obligations with respect to disclosures of personal information. Which states that A financial institution shall not disclose an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

* Furthermore, I emphasize that I relied on 15 USC 1666b, which governs the timing of payments which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

* Moreover, Affirm additionally violates 15 usc 1692e for making false and misleading representations on my consumer report as they marked my accounts charged off. Affirm has also violated 15 USC 6802 ( b ) obligates creditors to provide disclosures to opt-out of the disclosure of non-public personal information to non-affiliated third parties. Affirm failed to adhere to ALL of these statutory requirements.

Additionally, It is my understanding that according to the IRS, a charge-off is considered income, and the appropriate tax documentation, such as a Form 1099-C, should be issued. Affirm has never dispatched me a 1099-C form to me As a result, the " charged off '' status on my credit report needs to be removed immediately. All accounts by Affirm needs to be removed completely from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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

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 2021-06-25
Company: EQUIFAX, INC.
State: FL
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 Filed a complaint with the cfpb earlier this month and Equifax ADDED more incorrect late payments on my already incorrect credit report! I'm beginning to get stressed about this situation Please fix it ASAP. 


XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXXf XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 one inquiry on my TransUnion credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with TransUnion and XXXX XXXXXXXX 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
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I attempted to open an account in XX/XX/2022 with navy federal and had to submit verification of my ID. The account was never opened. I tried again in XX/XX/2022 through being referred by my spouse since we live together. I never received any correspondence at all about the account being opened. My spouse attempted to add me to her credit card with my SSN as an authorized user and was unable to do so as it states I have to use the access number assigned to me. I never received any correspondence about the account being opened and do not have any access number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX XX/XX/2023 I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1300.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have to aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

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 2023-10-31
Company: First Credit Services Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a voicemail from FIRST CREDIT SERVICES INC. stating that I have debt that was owed. When I called, they gave me an email to request the contract that they supposedly had for me. After about 30 days, without any notice in the mail, I received the contract. The only thing that matched on the contract was my first and last name. The phone number, signatures, email, mailing address were all INCORRECT. I sent the FIRST CREDIT SERVICES INC. this information and a copy of my license so they can verify that this was not valid or my debt to XXXX XXXX XXXX XXXX This was sent on XX/XX/23. I received an email from them on XX/XX/23 stating that I have not provided enough information for them to do an investigation on this dispute.

Company response to consumer: Closed with explanation