BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had contacted the XXXX credit card ( XXXX XXXX ) about 2 items over the last 3-4 weeks. First, I was promised that the interest charge of {$18.00} from XX/XX/XXXX would br credited back to me, by reps of their company and now they are saying they won't do it. Next, I had a payment set up to process on XX/XX/XXXX, my due date and it did not go through on their end, then I was charged a late fee for this and I asked for this to be reversed. They responded that " Thank you for your recent inquiry regarding your XXXX and XXXX credit card, and the opportunity to be of service to you. We have completed your inquiry and have provided you with the resolution. We are not able to wave the late fee or Interest. We have no choice but to consider this issue resolved '' which is patently FALSE and they know it! I had just asked the question and they responded as if they had not even read the email, they just denied it.

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 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion has on account review XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, on my Account reviews and I do not or requested anything from these companies nor do I owe them anything or hold any account with them XXXX XXXX needs deleting or provide documents to the said company XXXX  via XXXX XXXX I did not request as stated by TransUnion needs to be deleted or provide proof or documented proof of me giving permission.

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 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/, A number called me using a rerouted Bank of America number telling me that there was a fraudulent charge and put a code in XXXX to verify my account. I accidentally sent {$1900.00} to them under false pretenses, I immediately called Bank of America asking for an investigation, they responded on XX/XX/XXXX, that no error occurred. We appealed the claim, and they said they couldnt recover the money on XX/XX/XXXX, and told us to contact the receiver.

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 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XX/XX/XXXX, I filed a quality of product/service dispute with Bank of America for a purchase made with XXXX XXXX of XXXX on or around XX/XX/XXXX in the amount of {$1500.00}. I attempted to resolve the issue with the merchant to no avail. In fact, on XX/XX/XXXX, I provided Bank of America with an email thread regarding my communications with the merchant. See enclosed. Visa regulations allow consumers 120 days to dispute a transaction for quality of product/service. Although the dispute with Bank of America was filed 115 days following the date of delivery ( XX/XX/XXXX ), and 114 days after the date the transaction posted - Bank of America closed my dispute and alleged that the dispute fell outside the timeframe. See enclosed. Additionally, Bank of America never provided a provisional credit.

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 2022-05-15
Company: Navient Solutions, LLC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment under aN open end consumer Credit plan as late For any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been contacting the mortgage company for more than six months for a copy of our insurance declaration page or information about the property insurance that was placed by them the lender. We can not get any information about our lender placed insurance policy. We have called over 10 times I have sent emails. I even received a letter from them stating they will provide the information within 30 days like required by law. That letter from them was dated XX/XX/2022 and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In accordance to the Fair Credit Act my rights have been violated please resolve this many times They are violating my rights!!

15.U.S.C 1681s-2 ( A ) a person shall not funish any information relating to a consumer to any consumer reporting agency if a person knows or reasonable cause to believe information is inaccurate 15.U.S.C 1681 section602a=right to privacy 15.U.S.C 1681 section604a section2= can not funish my account without my written permission 15.U.S.C 1681c ( a ) ( 5 ) LIST OF HARD INQUIRIES AND ACCOUNTS : 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 2022-05-15
Company: A & O Recovery Solutions, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is a fraud, they seem to be praying on people. I have asked for the reason if this bill and who they are to prevail they continue to send me threats of balance they say I owe them. I do not know who this company is I don't owe them anything. Theses people should not be allowed to do this I want this removed from my credit remove immediately. Please investigate the people and their tactics. I have node what thesis for. 

They preying on people who will send them money.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ]. REPORT NUMBER : XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LAYE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 explanation
Consumer complaint received 2023-05-04
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX, XXXX 2023 I was checking my credit report and found that a collection account had been added to my report for XXXX XXXX, I have no idea who this company is and haven't received any notification that I owed this debt nor was I giving the opportunity to dispute this debt prior to it being added to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these 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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 2022-05-15
Company: FORD MOTOR CREDIT CO.
State: VA
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( 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 2022-03-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is 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 2023-10-13
Company: EQUIFAX, INC.
State: NM
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:
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 2023-10-17
Company: EQUIFAX, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I received a call from XXXX XXXX, bank of America agent, that I won {$2.00} XXXX XXXX XXXX XXXX, he said the check is with me and I will send you a picture of your actual check by Email. I received the two Emails in XX/XX/XXXX and XX/XX/2016. 
I will attach a copies of the emails. 
After that, one of the bank of America securities called me on my cell phone and he said : your account had many suspicious activity and if you don't close it, we are forced to close your account and sent you your deposit by mail. I withdraw the money and closed it. 
afterwhile, I received a call from XXXX XXXX that the check is real and you had to send around $ XXXX to receive your deposit check. I didn't send money to XXXX XXXX because I received too many calls from other people ( scammers ), everyone said your won check is with me. 
I called the FBI agents to verify if this check is legitimate. Check or not. no help. I saw on XXXX these days that bank of America cheating their customers on cash Rewards and others bank activities to make billions of dollars, I had a business credit card cash reward and never received, XXXX points and I could not redeem to cash. 
I need to know might be the XXXX XXXX XXXX check is XXXX and Bank of America tried to hide it on, Who knows!

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 2022-05-15
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a mortgage with Freedom Mortgage. Currently, Im in mortgage forbearance until XXXX of XXXX Without my knowledge or consent, they have made changes to my original loan. They have increased my original loan amount from {$340000.00} to {$350000.00}. This action has negatively impacted my credit score. I was told, I would have three options to repay the outstanding balance. One option was full repayment at the end of 12 months. Second option was to make additional payments for 12 months. And the third option was to repay the outstanding balance when I refinanced and or sold the home. I choose the third option. Every month, they are sending late notices, even though Im in mortgage forbearance. I would like my credit score corrected and to reflect my original loan amount.

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 2023-10-17
Company: EQUIFAX, 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo recently announced to some of their clients that we were supposed to receive a settlement from a lawsuit they had. People whom had an account from XXXX to XXXX were eligible and I yet heard or received my funds. Im requesting XXXX dollars since they did not reach out to me. Thank you sincerely 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 explanation
Consumer complaint received 2023-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged interest for the last two months on a chargeback of {$2000.00}, on my XXXX XXXX credit card account. Initially, the interest of ( {$29.00} ) was credited back to my account in XX/XX/XXXX. I recently logged in to view my account and noticed the XX/XX/XXXX credit deleted, and I was charged additional ( {$32.00} ) interest in XX/XX/XXXX. I contacted the credit card company to discuss this issue on XX/XX/XXXX. They told me the charge back was submitted as a credit towards my prior balance transfer, and that I will continue to be charged interest on this amount until the account is paid in full. Also, returned merchandise on XXXX is not being credited back to my credit card account, but is being credited as a gift card to my XXXX account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX  XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}

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 2020-06-10
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I leased a car in XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. 
i purchased the same car in XXXX. They made be buy extra warranties ( Optional car warranty and Wheel and tyre warranty ) stating I could cancel within a month, and when I cancelled it within the month. They were saying I should buy out the car with the warranty amount and then they could pay a check for my warrant amount to me When I bought the car+ warranty amount, they they changed it to they will pay with in a month, later after repeated visiting the center in XXXX and email they stated it may take more than 90 days. Now they are not responding to emails and not responding to my calls.

Company response to consumer: Closed with explanation