BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
In XX/XX/XXXX Bank of America Bank of America froze my card and put me in the fraud department and at the same time was told to keep certifying for benefits there's no holds or any thing like that with the EDD but from XX/XX/XXXX till XX/XX/XXXX all my certifications were paid through the EDD but the bank say they have no record of it and they keep sending me to EDD EDD says it's paid I need to go to the bank but they're refusing to give me my bfenifits.They are garnishing my wages they owe me roughly around XXXX they had made us homeless going on homelessness almost XXXX and XXXXXXXX XXXX years since this happened 3 years now and my daughter was removed they tried to terminate our rights as parents and the bank just keeps doing the same thing. They keep denying my claims and they're well aware that I didn't have access to the card. They sent me a compensation letter of {$780.00} telling me that they're aware that I didn't have access to my card and that's for any hardships I may have had and I can request more money. I have copies from the EDD showing all benefits were paid.The IRS says I made {$23.00}, XXXX but yet I've only received around {$7000.00} so we're trying to locate the rest .It 's been a real burden on us it's taking a tool on our health and my wife and my daughter I don't know what else to do I have a right as a citizen to collect any money from the EDD and that the government gave. Bank of America put me with the fraud when I first filed an initial claim and ever since then they froze my account and been taking all the funds that were supposed to be put on there what can I do to get it back thank you I still residing in a XXXX XXXX and I feel that they should compensate for denying my claims and garnishing my wages and freezing up my card when they gave me my card that I was told the money would be there but the money was not what can I do

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 2023-04-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There was an account opened with XXXX XXXX XXXX in my name without my knowledge over the internet in XX/XX/XXXX I realized its existence upon receiving notice of it from looking into my credit report. Additionally, I received notice in XXXX that XXXX would no longer collect on/report this debt in order to resolve a lawsuit where they were found to have engaged in illegal and deceptive tactics and for violating fair lending and reporting regulations and that all debts have been forgiven, and late/charge off reporting would be removed from my credit reports. I have attempted to reach out to gain more information about this debt or to settle any issues via telephone communication, email, and mailed letters to the contact information available on my credit reports. However, all of the contact information that this debtor has provided to credit reporting agencies is inaccurate. Telephone calls do not go through, emails bounce back and mail receives no response. As this debt is a charge-off and XXXX has already been compensated by charging the debt off, I would like to ask for its removal. It is important as I am trying to gain my dream career and this information on my credit prevents me from qualifying for this career. Additionally, I hope to secure housing for myself but have been unable to do so because of this charge-off. If XXXX, XXXX ( DBA XXXX ) can not provide an adequate response to any of the aforementioned information, I would like to respectfully ask that they remove this collection account and any tradelines associated with it from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my credit reporting file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I asked that items be deleted to correct my credit report. I reported the identity theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items 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 explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account has caused me significant distress, to XXXXe point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-03-14
Company: EQUIFAX, INC.
State: LA
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:
This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. 

Also as defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX gave my name to a collection agency for an account with which I have no association. They claimed the balance was {$790.00} and due on XX/XX/XXXX. I disputed the account sometime in late XXXX or XXXX ( I am not sure of the dates ). I finally heard from XXXX XXXX in XXXX of XXXX. They claimed that they could not investigate since I did not have an account number. I stated that I did not have an account number because I had no knowledge of the account prior to debt collectors contacting me and that I did not keep the account number. 

I was contacted again today ( XX/XX/XXXX ) by I.C. System Inc. XXXX XXXX gave them the account number. Obviously, XXXX XXXX had access to it when I spoke with XXXX XXXX on the phone. I believe that they know the account in fraudulent. I further believe that they fabricate these accounts and knowingly have debt collectors attempt to collect fake accounts. I believe this because it would have been trivially easy for them to verify that I did not live in Mississippi where they claim the account was opened during XXXX. 

I request that the CFPB open a criminal investigation into XXXX XXXX 's conduct and the conduct of I.C. System, Inc.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I received a promotion offer in the mail from Capital One credit card. It states " 0 % INTRO APR ON PURCHASES AND BALANCE TRANSFERS UNTIL XX/XX/2024, with XXXX XXXX XXXX % variable APR after that. There is a 3 % fee for amounts transferred until XX/XX/2024. '' I applied using the reservation code and access code provided on the promotional offer. I was accepted and given a {$10000.00} credit limit. 
I tried to transfer the amount from a higher balance card and was told that there were no offers for transfers at this time. I spoke with customer service and they confirmed that there were no offers for balance transfers although I reminded them that this is exactly what their promotional offer stated. 
I immediately closed my account and had to be on the phone with customer service for over 30 minutes in order to receive confirmation that the account was closed. 
This is false advertisement!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MS
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/ ) 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 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I used Bank of America Bill pay to pay a second installment bill to a vendor who replaced windows at my house. The amount was for {$9900.00}. The vendor informed me soon after they had not received the bill payment. I requested a copy of the endorsed bill paycheck on XX/XX/XXXX and it was determined that the check was intercepted and fraudulently cashed. The vendor and I both immediately interacted with Law Enforcement and a Detective in Financial Crimes Unit was assigned. 

I opened Bill Pay Case regarding the incident on XX/XX/XXXX, but having no immediate response, I contacted Bank of America Fraud department. The fraud department also opened a claim after I explained the situation. I called for updates on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... XX/XX/XXXX. I most cases the only information provided is that it's still " being researched ''. 

On XX/XX/XXXX, I was informed that the Fraud Case was closed and for the wrong reasons ( Fraud at check creation ). I was told that I would need to request a reconsideration, which was immediately done. On XX/XX/XXXX calling for status I learned they closed the Fraud case  and was told I need to speak with the Bill Pay department who then said they were researching. On XX/XX/XXXX Bill Pay department tells me they are requesting funds from another bank and have their own claim but would not provide me the information. On XX/XX/XXXX I call, and I'm told they are working with the Federal Reserve, and it could take 3 months to 3 years. I requested case information to be mailed and was just sent the online Bill Pay messages with no information. On XX/XX/XXXX I call and am told that it should take years, I should see the funds returned in the next few days. On XX/XX/XXXX I call asking for further escalation and am again informed that it can take up to a year and they can not credit my account until they get funds from the Federal Reserve. 

Issues here are that Bill Pay team and Fraud team are confusing as to whom to call when. And internally they also do not seem to understand who handles stolen Bill Pay checks as I'm transferred back and forth, and claims are opened then closed. There also seems to be no protection for the consumer where it has been proven that this check was stolen, leaving the consumer with the weight of having to pay an enormous bill to a vendor who never received their payment. If you can not trust Bill Pay to pay the bills and protect you when fraud occurs, why use such a service or bank with such a 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 2023-10-17
Company: Monterey Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We have requested debt validation from Monterey Financial in writing and they have refused to provide it. We ask that the debt be returned to the original creditor so we can continue to work things out with them. 

Thank you, XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ALLY FINANCIAL INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I had setup an auto draft from my checking account, the auto draft was setup from an account where I've always used to make payments from. Ally never requested the money from my account and took weeks before I knew there was an issue and only knew after checking online myself to make a payment. At this point Ally 's system did not allow me to make any payments and I spoke to a rep about assistance that they offer. I advised the agent that I did not want to go through a lengthy modification but will be open to a deferment or forbearance as long as a back and forth paper work wasn't required. I offered to make payment at that time but they refused to take it saying I will need to pay 2 - 3 months worth cause they're system wont take anything less. I left it to review myself and investigate why the funds from my account were not taken as scheduled. I called again and spoke to someone shortly afterwards when a letter was received saying that my mortgage was under review for modification and that they had received my documents. This puzzled me cause I did not submit any applications but visited a site they gave me to look into options, I explained this to the rep and she recommended I stay with the modification as it was in review. I again asked if I could at least make 2 months worth of payments to avoid going any more behind, the rep said she would be able to take the payments but the assistance review will be ongoing. I was ok with that as long as they were taking my payments, this was contrary to what they told me a few weeks back cause at that point they did not want to take any payments cause it was under review by underwriting. I told the rep that I will only move forward for a deferment or forbearance if no other documents are required. It is not because I don't have or can't attain any of the requested documents but I do not want to go through the hassle of getting these and sending it back and forth. They advised that no documents were needed as they had everything they need to review so I left it alone since they at least took 2 months worth of payments, This week I received another email from Ally requesting documentation, called and spoke to a rep who did not want to transfer me to a supervisor even after repeatedly asking to do so. She like her other colleagues said the system won't let me make payments one it gets to a certain point which I advised that I would be setting up payment for 2 months worth to come out in XXXX, The rep was very unhelpful at which point I decided to end the call and file a complaint. I'm seeing a pattern that it depends on who you talk to at ally that you will eventually get the right information and the right help. This last call made on XX/XX/23 was not one of them.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX Balance Owed : {$300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XX/XX/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 2023-03-14
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to dispute the accuracy of a charge off account that is currently being reported on my credit file. The account in question is listed with three different last active dates to XXXX, XXXX, and XXXX, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
As per the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information on consumers ' credit reports. The multiple last active dates for the same account indicate that my credit file is being inaccurately reported and I demand that this be removed from credit file immediately. 
I request that the charge off account be deleted from my credit file, as it is in violation of the FCRA. I have attached supporting documentation to this letter which proves the inaccuracies of the information being reported. 
Please take immediate action to correct this issue and notify me of the outcome in writing within 30 days. If you are unable to correct this information, I reserve the right to take legal action, I submitted this dispute to the three major credit bureaus, and they did not correct it, or take it off of my credit file, which is also a violation of the Fair Credit Reporting Act ( FCRA ). Please have them remove this from my credit report immediately. 

Thank you for your prompt attention to this matter. 

The account is question is Exeter Finance LLC and the account number is XXXX

Company response to consumer: Closed with explanation