BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX, I go to the XXXX of Massachusetts. They inform me that there's no print out date for the title. Therefore they cant print out my title. They said something happened that that I should call my bank. 

I called Bank of America that day. They informed me that the title request got kicked back from the XXXX. They didn't know why it got kicked back. I asked Bank of America when were they going to inform me about this? They had no answer. 

I called again on the XX/XX/XXXX. and spoke to a supervisor ( XXXX ) who said that he contacted the department who deals with sending titles to the XXXX. He told me that they sent an Email at his request to the XXXX asking why it got kicked back. 

I am writing to you today two weeks ago I started this process and today they finally decided to investigate this matter because I brought it up. I know Bank of America is miss handling this account and they are showing that they don't care based on the time line of events and lack of movement in this case. Why is it that I, the consumer has done everything right, paid my loan on time for the past two years. finally paying it off to the tune of XXXX XXXX dollars, to wait two weeks to hear that they didn't even simply send off an email to the state to ask why my title is being held up. i think its just disgusting. The more pressing matter is that, I finally have a buyer ready to purchase this trailer which i have been actively trying to sell for some time now. I finally get a buyer and Bank of America is not doing a diligent enough job on providing me with my paid off title. I had to contact them to hear that the XXXX kicked back the information that they submitted. I don't know what going on but the XXXX is pointing fingers at BOA and BOA is pointing fingers at the XXXX. Please help.

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 2023-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
CREDIT ACCEPTANCE CORPORATION is attempting to collect a debt without a contractual obligation binding I the consumer and CREDIT ACCEPTANCE CORPORATION. CREDIT ACCEPTANCE CORPORATION UNLAWFULLY REPOSSESED MY AUTOMOBILE ILLIGALLY XX/XX/2019 without NOTICE or responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail. Pursuant to title 15 USC 1692f ( 1 ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. CREDIT ACCEPTANCE CORPORATION is attempting to collect a debt in the amount of {$470.00}, there is no CONTRACTUAL AGREEMENT between XXXX XXXX and CREDIT ACCEPTANCE CORPORATION for them to lawfully reposes my automobile, therefor CREDIT ACCEPTANCE CORPORATION is in VIOLATION of 15 USC 1692f ( 1 ) -UNFAIR PRACTICES. I DEMAND CREDIT ACCEPTANCE CORPORATION CEASE COLLECTIONS, {$0.00} OUT ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, RETURN MY AUTOMOBILE THAT YOUR COMPANY UNLAWFULLY REPOSSESSED AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION, respectfully.

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: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I submitted a single payment of {$2000.00} to my Comenity NFL credit card from a bank account earmarked for this card carrying only a balance required to pay this card. Approximately a week after submitting this single payment, I logged into my account and saw that a duplicate payment was submitted on this card despite only submitting a single payment. I received only a single confirmation payment email, however, my payment was processed twice. Due to this duplicate payment from the system error, I was assessed a fee of {$30.00} for a returned check card and {$2.00} of interest. I have attempted to contact Comenity to resolve this issue however I have not been able to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has allowed a person who is not listed on the account to cash checks and do a large number of XXXX transfers against my account. I am not in the habit of checking my account for the balance because I was under the impression that I always had funds available because I never had done any major withdrawals against my account. I am now going through a divorce and all financial records must be produced for the courts and it has come to light that my wife had been FORGING my name to checks and also doing XXXX transfers without my consent or knowledge. The Bank NEVER called me about any of the activity that was going on with the account and is refusing to help or prosecute the person who did this even though the XXXX District attorney 's office is looking into the ILLEGAL activity of the person who has done this to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-17
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 a summons to appear in court for a alleged debt from XXXX XXXX XXXX was found on my front porch, I had never received a bill from this company allowing me to request verification so I then requested validation of this debt via telephone as well as in writing. In return, on XX/XX/2018 I received a package addressed to me with someone elses personal information inside. I then wrote to the company telling them they violated someone else privacy and failed to send me the information that I requested in my name. I also included that I did not want them to handle any accounts of mine due to the untrustworthiness of the company in handling personal information. Whos to say that my personal information was not mailed to the persons information I received? On XX/XX/XXXX, the company sent me billing statements and a but failed to send me the original contract with my signature accepting the line of credit. This company has failed to send me everything I asked for in my request of verification including original line of credit limit, a contract with my signature accepting the alleged debt, and permission from the original creditor allowing them to collect on a debt in SC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We opened an additional checking account in XXXX of this year at US Bank. This is one of many accounts we have there. At the time of opening, I specifically asked the rep if there would be any fees on this account, and she stated no fees, due to the " package '' we are in. We have discovered they started charging us inappropriately since XXXX, and they only will reverse one month of fees, instead of at least 4 months of fees. This was not our fault, and we were lied to. 
I want all fees since XXXX reversed.

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 2023-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: I.C. System, Inc.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-11-10
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Systems has taken on a debt that is not owed to them. Pursuant to 15 USC 1692 ( g ), neither Enhanced Recovery Systems nor XXXX XXXX has ever sent me the 5 things that are needed to validate a debt. The company chose to instead assume that I, the consumer would agree to this debt. I do not agree that this debt is mine and believe I am owed compensation for failure to properly notify or authenticate. 

Company is in current violations of the following : -15USC 1692 ( k ) -15USC 1692 ( g ) -15 USC 1602 ( f ).

Should this company not remove these delinquencies from my credit profile, I will have no choice but to sue both Enhanced Recovery systems and XXXX XXXX. 

Company has never done business with me or anyone of my name or likeness. 
Company has repeatedly denied disputes to have this removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: National Recoveries, Inc.
State: SD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2018 I had called into National Recoveries Incorporated who is collecting this debt on behalf of the US Department of Education. After speaking to them that day I advised them to not call my cell phone XXXX as it is a work phone that my employer pays for. I again called in on XX/XX/2018 to gather some information and before hanging up, again advised them they could not call my cell phone. Then on XX/XX/2018 I called in to see how much it would be to bring my account current. While speaking with a representative I received a call from National Recoveries Inc. XXXX XXXX Ext XXXX called me while I was speaking with National Recoveries Inc. What was odd is that the number she called from was XXXX area code so I am not sure if they were making sure I didn't know it was them. But after asking she advised me she was with National Recoveries Inc. I advised her that I was already speaking with them and advised her that she was not allowed to call my cell phone. This clearly violates the FDCPA as XXXX at ext XXXX said she showed my account as cease all cell phone calls as I had told them the previous 2 times. At this point I can either take this to court and have my loans dismissed with additional FDCPA fees and or they can put my balance to XXXX considered paid in full with no tax burden on myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My checking account disappeared from my online banking and app of chase. The situation started sometime between XXXX. XXXX and XXXX. XXXX. The situation ends on XXXX. XXXX. However, I am writing to complain several things during the time period. 

XXXX. There was a customer service person reaching out to me regarding management and investment for my other accounts. I complained about this. He promised me this can be resolved and the rent I already scheduled out on XXXX. XXXX will arrive on time. He also made a follow-up call for XXXX. XXXX, after assuring me the rent I paid will be received by my landlord. Turns out this is not the correct information, which results in a {$37.00} fine from my landlord. 

XXXX. From the XXXX, I tried to reach out to chase in other means than phone call because I was sick and wasn't able to speak at that time. The chat bot on the app was not helpful. But later I I can contact chase on the social media, therefore I contacted it through twitter. I believe this was how the disappeared checking account got restored. 

XXXX. On XXXX. XXXX, the customer service person reached out to me again. Since he doesn't has accession to resolve my issue, he redirected my call to another customer service person ( the second customer service person ). The second one wasn't able to listen to my problem or understand it, because he insisted to look for a {$37.00} charge on my account. Therefore, he transferred me to a third customer service person. 

XXXX. The fourth customer person seems to be trying to trick me to say something against my advantage. She tried to make me say I didn't make the phone call regarding my account. However, I was reached out to by a customer service, and I reached out to chase by other means when I was not able to speak. She then said my account was frozen at that time because it was suspected having some fraud. I asked her why chase didn't give me any notification about this suspicion or account frozen issue, she said she need to redirect me to the security department but then the call was hung up. Moreover, the " fraud suspicion '' was incompatible with the explanation in the secure message on XXXX. XXXX, which states that the account was dormant, not frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 13th 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 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
I'm retired and I haven't been using credit for a long time due to personal reasons. Due to that, my credit score was relatively low. Because I want to buy a house, I embarked on an approach to improve my credit score and applied for some credit cards and used them for that purpose to improve my credit score. To my satisfaction, after around 2 years, my credit score slowly started to improve to the point that reflected punctuation above 700 points, which made me very happy. Around XX/XX/XXXX, I made an XXXX serving company change from XXXX, XXXX XXXX to XXXX. XXXX alerted me to expect problems with the account because XXXX gets upset and uses to give them problems with the data that they transfer. In XX/XX/XXXX, XXXX updated an account dated XX/XX/XXXX for {$23.00}, which they had never told me about. Also, reported a balance of {$190.00} on XX/XX/XXXX, which they never had told me about before, either. 
Evidently, XXXX submitted those accounts with the evil intention to hurt my credit. TransUnion, without verifying, published the accounts and reduced my score by 90 points.

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 2022-11-20
Company: Uplift, Inc
State: PA
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:
Inquires on my account from companies I do not have an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Total Card, Inc.
State: SC
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports The XXXX XXXX XXXX  is reporting inaccurate information on XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is an inaccurate entry on my mortgage statement. I have tried to call but they won't answer any questions about it. They put me on hold, or disconnect the line. Now they simply don't call back. I can not speak to anyone. There is no communication, no follow-up, no accountability. I need to be able to ask a question about my mortgage and they won ; t speak to me.

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