BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 XX/XX/2022, my name and credit card number were stolen. The card itself wasn't stolen. The Bank of America XXXX XXXX XXXX alerted us about possible fraud on XXXX XXXX. I looked at the transactions and there were several XXXX dollars worth of charges that I had not made. 

Another part of the identity theft/scam was that the thief was sending XXXX XXXX and XXXX XXXX people to pick up packages and take them to XXXX or another mailing service and send the stolen packages to them. We encountered 4 different delivery people including 3 on XXXX XXXX and intercepted 2 or 3 packages. I filed a police report on XXXX XXXX and even called them to the house because one of the XXXX XXXX people wouldn't leave. 

I talked to Bank of America fraud department several times. They refunded some of the charges we disputed. However, others weren't considered fraud because they were delivered to our house. I was out of town at the end of XXXX when they would have been delivered. I suspect the thief was using XXXX XXXX to pick up and send packages to them similar to what we experienced in XXXX. Some of pending charges were to businesses that I have never patronized. These pending charges are from the same companies that Bank of America has canceled. I don't understand why these are different. 

I haven't heard from Bank of America since XXXX regarding the claim. Online it says the claim is active, but they haven't updated me. The credit card company has started to charge us late fees and interest on the pending charges that I disputed.

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 2021-04-13
Company: Rent Recovery Solutions
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:
XXXX  is reporting the same account from Rent Recovery Solutions twice. The collection open dates are different for the same amount and the same account number of XXXX. I have sent multiple letters disputing the inaccurate reporting and this have not been resolved. I keep getting a response stating BOTH accounts are reporting accurately. When its clear that its is NOT. XXXX  added the account in XX/XX/2020. I received no notification from the company. The dispute process has been unsuccessful, as XXXX  states this is verified correct. This has impact my credit tremendously and to not have this inaccurate item removed is stressful. My next step is legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: EMG ACQUISITION GROUP, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back in XX/XX/XXXX I paid the account down to XXXX dollars. I wanted to pay the account in full my next payday but the site would not allow me. I would get an error message saying account doesn't exist. Today XX/XX/XXXX i received a text from the company saying I have a payment that is due and remaining balance is XXXX. Due to the site error now i have XXXX dollars in interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION which took effect XX/XX/2021, You ( Aargon Agency ) You ( Aargon Agency ) have violated the FDCPA 1006.30 ( a ) and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681 ( b ) ( 2 ). 
You ( Aargon Agency ) have no permissible purpose by law to contact third parties with any private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028 ( A ). You ( Aargon Agency ) have knowingly transferred, possessed, 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. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST ( AARGON AGENCY ) 15 USC 1692 ( c ) Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such deb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Was offered a 3 % promotional credit on my Bank of America credit card for payments made under a Home Improvement & Furnishing categories. Payments made to contractors was an eligible payment under this category. Made a {$2800.00} payment for well pump replacement to a licensed contractor but the bank is claiming the payment is being categorized under " cleaning and maintenance ''

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 2022-10-18
Company: Experian Information Solutions Inc.
State: WA
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-10-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Instarem PTE Limited
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I initiated transaction to convert USD to CAD via " Instarem '' subsidiary of XXXX XXXX. 
I initiated transfer on XXXX at the time of transaction expected delivery time was 4-5 Business Days. 
XXXX XXXX was added as Payee on my XXXX XXXX account and Transfer was executed on XXXX XXXX. 
Since then " Instarem '' status on the transfer is Awaiting Payment. Even after repeated follow ups status us still the same as of XXXX Every time I follow up they provide me with template answers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
These accounts are being disputed because they are not mine and are in my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - 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 2022-05-27
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They have been robo-calling me for over XXXX months. I answer they hang up. 
Today a guy named XXXX XXXX finally picked up and promptly told me they were going to sue me if I did not arrange to pay them for XXXX XXXXXXXX today. When I complained about the robo calls he said they are trying to collect a debt. He told me the call was recorded at the beginning as well so they have a record of the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I seems like I'm never going to pay this car off. I had this car for 5 years in XXXX and it has XXXX miles on it and I still have over {$12000.00} to pay back. Yes I know I missed some payments but It just seems like with the high interest rate, I'm never going to be able to pay off this car.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received my investigation back from Experian they said everything is 100 % complete and accurate. I would like to receive that description according to 15 U.S.C 1681I ( C7 ) because the list of accounts below are not accurate. XXXX bank # 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 explanation
Consumer complaint received 2019-12-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
There are 4 parties involved. 
1. XXXX XXXX, XXXX of XXXX XXXX. 
2.Paypal 3 . XXXX XXXX XXXX financial institute which PayPal wouldn't disclose to me 4. Me the victim Paypal is the platform allowed this fraud to happen. 

XXXX XXXX 's signed lease for her company XXXX XXXX to rent my rental house. They use PayPal account XXXX to pay me rent via Paypal 's " friends and family '' category. 

After about 2 years, XXXX stoped paying rent XX/XX/2019. Eviction was filed and XX/XX/2019 county sheriff dept. performed the eviction restored the house back to me. 
Lease, writ, sheriff notice of restoration all available upon request. 

XX/XX/2019 XXXX XXXX filed dispute via Paypal to refund the XX/XX/XXXX. rent  {$2600.00}. 
PayPal immediately refunded to XXXX and made my account negative. 

I called PayPal and was told PayPal DOES NOT review this type of case even tho they claim they would. All PayPal would do is to forward my supporting documents to XXXX 's financial institute ( probably her credit card company ) which takes no interest in me and let them decide. The decision made by XXXX XXXX 's financial institute could be very biased against me! 
PayPal refuse to disclosed the name of XXXX XXXX financial institute. 

This is a financial crime committed by XXXX XXXX and her company XXXX XXXX Paypal allowed it to happen without even reviewing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was looking to purchase my first car in early XXXX, Credit Acceptance was my approved lender... With the high interest rate, I chose to refinance in XXXX, through XXXX XXXX XXXX. Come XX/XX/XXXX, my auto loan is fully paid off through XXXX XXXX XXXX, however, I can not get my title because Credit Acceptance is claiming I still owe them over {$6000.00} for GAP and extended coverage that they claim I never cancelled. They will not make any negotiations, even though my car has been refinanced and paid off completely through another company.

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 2022-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX : Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX and Account name : XXXX 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NY
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:
To Whom It May Concern, I am writing this letter to lodge a formal complaint against Equifax Information Services LLC regarding the inaccurate information on my credit report. I requested a reinvestigation of the error, but the company has failed to comply with the law and respect my rights as a consumer. 

I first noticed the error in my credit report on XX/XX/2023. I immediately contacted Equifax and asked for a reinvestigation, which they denied. I followed up with several requests for a reinvestigation but to no avail. Equifax has continued to report incorrect information on my credit report, specifically the late payments that are still showing up as delinquent accounts. 

As a consumer, I have the right to ask for a reinvestigation of any inaccurate information on my credit report, and I believe that Equifax is in violation of the Fair Credit Reporting Act by not complying with my request. Furthermore, Equifax 's failure to correct the inaccurate information is negatively impacting my credit score and my ability to obtain credit on favorable terms. 

I demand that Equifax immediately remove the incorrect late payments from my credit report and update it to reflect that all payments were made as agreed. I also demand that Equifax provide me with a free copy of my updated credit report as soon as the corrections are made. 

I look forward to hearing from Equifax regarding the corrective action that will be taken to remedy this issue. 

attached I will upload proof of the incorrect reporting. it is not 100 % accurate and different agencies have a different reports. 

if this could not get resolved properly I will intend to sue for violating my rights and the negative impact this has made on my life. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is reporting false information on my credit report. I paid the company and they are still reporting a balance. I gave the company money and they are asking for more. I have not received an itemized statement from them and they are trying to collect extra money. they are reporting that I owe {$840.00} This is incorrect. Please remove it from my credit report. this is causing damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have several inquiries listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i've been trying to access my consumer report, credit score and apply a credit freeze to my XXXX and Equifax reports for the last 4-6 months and all i keep getting is that my info is either unavailable or unknown i cant access none of my info it states that its not available for me to do anything the fact that i cant even place a freeze on my account puts me at risk for identity theft this is a violation of my rights as a consumer the FCRA STATES THAT : I HAVE THE RIGHT TO ACCESS MY CREDIT FILE I HAVE THE RIGHT TO CORRECT ANY INACCURACIES ON MY CREDIT REPORT AND I ALSO HAVE THE RIGHT TO SEEK DAMAGES AGAINST THOSE WHO VIOLATE THE LAW and more and I am in the process of taking legal action against this reporting agencies I've been denied auto loans, mortgages and credit cards do to this issue it is currently interfering with my livelihood and means to support my family

Company response to consumer: Closed with explanation