BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
BANK OF AMERICA HAD BEEN TOLD NOT TO CALL ME REGARDING A DEBT. I HAVE FILE NUMEROUS COMPLAINTS AND THEY REFUSE TO DO ANYTHING ABOUT IT. THEY CALL ME TWICE A DAY ON THE SAME PHONE.

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 2022-01-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since XXXX waiting for a response. i will not wait amount 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Grain Technology, Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Been signed up for autopay with this company for almost 2 years. The same issue with my payments occurred last year in the XXXX  timeframe as well to no fault of mine. 

I paid my bill for XX/XX/XXXX, much higher than the minimum payment of {$300.00}. I then get an email stating that they accepted my payment and my next bill is due on XX/XX/XXXX, which was clearly an error. I log into the site and it says for XX/XX/XXXX, there is no payment due. 

On XX/XX/XXXX, they stated my payment was late and to make a payment before my next due date, XXXX, to prevent negatively credit. This was a generous offer as the payment being late was of no fault of my own as my account is on autopay. 

On XX/XX/XXXX, I got an alert from my credit report that they reported my account past due. I paid the outstanding on XX/XX/XXXX as they stated before XXXX. They did not report this payment to the credit bureaus accurately and destroyed my ability to close on my house as it dropped my score over XXXX points!!!! No phone number to call and all of my emails for remedy have gone unanswered. 

They need to correct my credit report and remove the late payment annotations on my report immediately. The same thing happened last year due to their system limitations and they resolved it as ago as possible. This year, same timeframe, my emails have been ignored. Many other clients have experienced the same issue around this time of year. 

Ive filled a complaint with the XXXX that has also gone unanswered from this fraudulent company. This is not right. I have rights and I have a right for the information on my credit report to reflect accurately my character as a consumer and they have literally turned my life upside down as Im no longer able to close on my house due to their unprofessionalism. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was used fraduety and had {$1600.00} of unauthorized funds. The scammer input my information and items where mailed to my address. I never made these purchases, Im told the way the scam works is they try too intercept the items before you get them. I had 7 jackets with my name engraved which when I called the company they stated I could not return. This was from XXXX. I also received 3 male shirts ( I am a women ) from XXXX XXXX. At the time this was happened Bank Of America closed the clam stating they were paying the full amount. Weeks after- I received a letter that they were changing it to charging back {$540.00}. I have in writing the claim was to be paid in full. Despite the records showing the purchase, I never purchased them and once I received the confirmation of the full amount being paid, I moved on. Bank Of America needs to pay the full claim as they had stated. I hav3 recently supplied them with a letter I got as well the includes there was a security breach with 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 monetary relief
Consumer complaint received 2023-08-04
Company: Kriya Capital, LLC
State: IL
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 informed this company that I was apart of the XXXX data breach in that my information was missed used I sent them all the proof I had in they still refuse to move it from my credit report in they also have none of my information on any contracts can you please help me remove this harmful information I will list the account numbers and dates below. US FCRA credence resource manage act number XXXX XX/XX/2023 {$310.00} act number XXXXXX/XX/2023 {$940.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to sell some of my real estate that has a loan through Caliber Loans. The title company has found an issue with the legal on the open mortgage. I am needing to get the legal description issue resolved so I can sell a portion of the property. Myself and the title company has sent the needed information to clear up the issue but the lender has not fixed the issue in 5 months. 
We filed a complaint with CFPB on XX/XX/XXXX. The company responded but still had the legal incorrect. To begin with they had my home loan against tract 2 which I no longer own. It is supposed to be against tract A and B, which is the tract my house and shop sit on. After contacting them about this problem they tried to correct it by putting the loan against tract 1 which is still incorrect. The loan is supposed to be against tract A and B NOT tract 1 and 2. I have attached the legal documents to further explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report 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 non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions 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 sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report and update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}.

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 2022-11-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was shopping on XXXX and went to check out. I had already applied the XXXX XXXXXXXX XXXX XXXX XXXX XXXX Upon checkout, there was a promotion that said " Save {$250.00} by signing up for credit card now - Accept '' and I hit accept. I was approved for the card, continued to check out and then it said you could not combine the offer in my cart with the credit card promo savings. I immediately reached out to customer service via chat and phone. Both customer service reps told me that they see this all the time and the website is super misleading and they won't do anything about it because " capitalism at it's finest ''. I was transfered around and not helped. I was told I could cancel the account, but that waould negatively impact my credit score. They poffered me only {$20.00} credit for the misleading website that told me specifcally the amount I would save if I accepted the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

The letters are stated with items and issues. 

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 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 2023-08-18
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I saw in my credit report an inquity of this company and do not know what this is about. They never contacted or informed me about this debt but they have reported it to the credit bereau and this is affecting my credit score.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents 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 explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
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:
In spite of my disputes directly with XXXX, Experian and XXXX, they have all failed to update my respective credit files with respect to my XXXX account since the end of XX/XX/2022. This has adversely impacting my credit profile and thus my financial health. Further this failure to update my XXXX account is in violation of the Fair Credit Reporting Act, which legally obliges credit providers as well as credit reporters to make prompt regular monthly reports with fail!

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 2023-11-21
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/23, I sent a second request in writing to dispute an amount this agency is claiming I owe. I have paid off all outstanding balances on any medical debt that I have incurred. Credit Control Corp. has failed to provide me with adequate information within 30 days of my initial dispute several months ago. After a second attempt to demand validation, they did not respond at all. This is damaging my credit and I demand that this erroneous debt be removed from my report immediately before I take legal action against this company and the credit bureau and report them to the Virginia State Attorney General for refusing to comply with the FDCPA and FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
A credit hard inquiry has been fraudulently placed by XXXX XXXX XXXX on XX/XX/ on my current Transunion credit report. 
The credit inquiry occurred without my permission due to Identity Theft. 
When I contacted XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX stated they have no business with the inquiry showing up in my Transunion credit report and refused to provide any letter related to the removal of the inquiry. 
And there is no option for me to dispute the credit inquiry in Transunion Online Dispute Center. 
I also contacted Transunion via Phone number XXXX, XXXX XXXXTransUnion, and Transunion online chat. 
But Transunion refused to delete the fraudulent credit inquiry from my credit 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 2022-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian and XXXX has continue to report a bankruptcy on my report that is incorrect and should not be there because this bankruptcy was filed fraudulently and we never authorized or signed any documents to file bankruptcy on our behalf. This has caused severe damage to our credit profile and prevented us from getting business loans and is hurting our growth potential.

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 2022-05-30
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:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-05-30
Company: EQUIFAX, INC.
State: IL
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 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 are reporting on my personal credit file also the inaccurate name and addresses : 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 XXXXXXXX was found in my reports with XXXX, Equifax and XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

Company response to consumer: Closed with explanation