BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I incurred {$25.00} late fee on XX/XX/XXXX on my last statement XX/XX/XXXX. I called customer service on XX/XX/XXXX and explained that I requested the Bank of America representative to set up an auto pay for my card so that I don't be worried about late fees. The representative didn't accept my explanation and insisted that the fee will stay. I requested to talk to supervisor, after holding for sometime, I talked to XXXX, she backed up her colleague and did not pay attention to what I am explaining. She said that the fee will stay and I must pay it. I asked to talk to a manager, XXXX said manager only have administrative authority and can't reverse the fee and it takes 2-3 business days for them to call you back. I accepted and gave my phone number and requested to talk to manger. Since I haven't received any call. I am very dissatisfied with Bank of America and want them to reverse the late fee ASAP. 

I told them even I have relation for 14 years and I am preferred member, I am considering to close my all my accounts with them. XXXX did not care at all. 

I want a responsible person to call me and explain me the reason for such a poor customer service and unjust fee. 

Thanks, 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 monetary relief
Consumer complaint received 2023-02-13
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a fraudulent activity on XXXX account resulting in a collection. This collection is from an XXXX Account that was opened in Texas in XXXX name. I have never lived in Texas. The applicant put a Texas address. The collection agency was XXXX. XXXX, XXXX After disputing with them in XX/XX/2022. I was able to get the collections removed. 

Now another collection agency called ERC XXXX is trying to collect on the debt. After multiple attempts to reach out to ERC Systems they are non responsive. 

I need this collections removed from my Credit History ASAP. I have never opened up an XXXX Account in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller has 1 task- get money. Even though I tell them I have nothing all they want is a credit card number or bank account. They dont care if my utilities are to be turned off, they just want money now, not next week or a amount I might be able to afford.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Possible Financial 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX, Possible Finance, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and Acct # 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 HAS violated my rights. 

15 USC 1681 Section 602A. I have the right to privacy.

15 USC 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

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 2020-03-30
Company: LD Holdings Group, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am filing a complaint against Loan Depot .com LLC. The following is a letter I emailed to them about my horrific experience. They made a credit check and a loan application for me which was not requested or asked for. They sent my personal information through the mail twice without a reason or consent to do so. 
I called the company on XX/XX/2020 and told them of my complaint and they mailed me a second loan packet instead of removing my information as I had requested. This company is fraudulent and should not be allowed to deal with the public. 

Loan Depot President, I called for a quote on loan mortgage rates only!!! I had the unfortunate luck of getting XXXX XXXX on the phone. 

I told her we only wanted a rate quote and she took my information and it took sooooooooo long that I almost hung up on her several times. 

She not only took over an hour of my time on the phone, but I receive in the mail a huge loan package. 

I was not making an application for a loan. Only trying to get a rate quote. 

I am so livid that she ran our credit and then has since sent me two huge packets in the mail with all of our personal information inside. 

Wow, what a waste of my time and paper, and putting my personal information at risk. I can't even tell you how angry I am at loan depot and XXXX XXXX. 

Remove my credit score run immediately and remove all of my data from any and all of your information storage. 

My name, number and information better not be sold or get leaked to anyone. 

I am also filing complaints with the XXXX  XXXX XXXX  and all the credit outlets. 

So Angry and Upset XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
My complain is about Bank of America Visa 's fraud protection. BoA had the chance to seize the money in dispute, but still let go without my final consent. 

I filed dispute claim with credit card department on XX/XX/XXXX about a {$2400.00} charge on XX/XX/XXXX by a plumbing company. I received service from this plumbing company but later as I contact them, all can be found is {$570.00} payment from me rather than {$2400.00}. The business owner asked me to dispute this charge with credit card company, they'll not fight back. So I filed claim with Bank of America and emphasized the business owner do not recognize this charge and can provide statements written upon request. 

Bank of America turned back to me onXX/XX/XXXX and told me they got feedback from the " merchant '' insisting they are who they claim to be and it was I who authorized the charge. I contacted the plumbing company again and business owner confirmed again they did not charge, in fact their charge should appear differently than what appeared on BoA 's credit card bill. Now to me I am being charged by a XXXX merchant that registered itself with a very similar company name. 

On XX/XX/XXXX I called Bank of America and ask to resume the dispute. But I am told BoA already sent money to the ( XXXX ) merchant on XX/XX/XXXX, and put back the charge on me. There is nothing Bank of America can do from this point. 

My complaint to BoA is whether they are standing by their fraud protection. Charges made to stolen card are protected, but charges by XXXX  party in disguise is not? Also the unfair thing I feel is, in the claim, I said the charging party is not who it pretends to be, and the charger fights back saying it is. Why BoA choose to believe this merchant over me? Wouldn't it make more sense BoA asked for evidence from both parties before releasing the fund? Don't BoA feel it important to protect it's consumer 's money? 

I do not file credit card charge disputes often. The only other time was many years ago with XXXX, over what I believe a more complicated transaction. The experience with XXXX, in simple term, was way better. 

( Plumbing company is a large franchised chain. It's name is omitted here. )

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 2023-04-23
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXXXXXX 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  is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 at XXXX XXXX I used my Direct Express Card at a XXXX XXXX  drive-thru ATM to withdraw {$800.00}. It did not dispense my cash and on my receipt it clearly state that it can not dispense my cash at the time. I have called Direct Express and XXXX XXXX  every day since the transaction and have gotten nowhere. I have called Direct Express and they gave me a fax number to send them a letter in any kind of proof. That was faxed to them on the XXXX of XXXX with proof of a receipt stating it did not dispense my funds. Anytime you call Direct Express you get hung up on or they tell you you have to wait 90 days. Why should I have to wait 90 days when I showed them proof that XXXX XXXX statement clearly states that it did not dispense my money I don't understand why I can not be credited back my {$800.00} which is for my rent on the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: Consumer Portfolio Services, 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: Investigation took more than 30 days

Complaint:
Consumer portfolio services refuses to remove from credit report. Identity proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These are not my accounts

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 2023-04-23
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:
This is a follow up of Complaint XXXX. 

XXXX had updated XXXX the balance to XXXX, thanks to you. 

But they have not changed the payment history for all those invalid lates that they are obviously guilty of placing. We all know payment history is 35 % of a consumer 's credit score, those lates from XXXX Account number # XXXX, is still affecting my credit profile in a negative way today. Experian also saying my paid of car note is charged off, which obviously incorrect ( i will repost the evidence ). XXXX went ahead and deleted the account. 

I thought would beneficial for me in the long run to pay of my autos to have great comparable car credit. XXXX XXXX and Experian made this a bad experience due to the fact that they FAILED AT DOING THEIR JOBS. We have our lives to live, we can't be worrying about the credit bureaus not doing their jobs, its Emotional damaging. 

I would rather they remove this account so i don't suffer anymore damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Frontline Asset Strategies, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Late 2021 I ordered two cellphones from XXXX that were to be delivered to the XXXX store from where I ordered the phones. I received word that the phones were delivered to the XXXX store and ready to be picked up. When I arrived at the XXXX store to pick up and activate the phones the personnel at the XXXX  store could not find the phones. 

I asked if they could order two other phones since they lost the two we had ordered. The store representative said they would look into this but may take a few days. I told them to then cancel everything since I have not received the phones and when they sort out what happen i will come back in and try again. As I heard nothing for several days I decided to go with another cellular company for my cellphone needs. 

Within a few weeks I started receiving letters from XXXX stating I owed XXXX money. That letter, and the 3-4 others that I received after with increasing amounts, did not state what specifically they were trying to charge me for, just giving an amount owed. 

Each time I received a letter I called XXXX to explain what happened. Each time i called they could see in the report that I did not receive the phones and said they would take care of this. However, within a few weeks I would receive another letter from XXXX sating I owed even more now. 

Then I stated getting phone calls from Frontline Asset Strategies saying they were trying to collect the debt. I explained the situation to them and also sent Frontline Strategies a certified letter explaining the situation, and stating I would never pay a cent for products and services I never received from XXXX. 

Now appears Frontline Asset Strategies has put this through as a collections on my credit report, thus damaging my credit for something I never received and should not be held responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Last year I contacted the credit agencies by mail and mentioned to them about the unauthorized hard inquiries on my credit report and submitted my identification and electricity bill. I asked them to remove them from my account. Till this day they aren't removed nor did I receive a response

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 2021-03-01
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
For well over a month my Coinbase account has told me that " Buys are currently disabled '' for my account. The only option listed is to go to their FAQ which says that it's typically due to a chargeback on the account, in which case I would need to contact Customer Support via email, due to incomplete/incorrect ID which would need to be updated, or if not to still contact Customer Support via email.

I sent 3 email requests to them over the last 30 days and the only response I get is the automated message of " We've received your request and will respond shortly ''. 

They have no other means of contact unless you think the account has been compromised which I don't think it has just that there is something preventing me from trading fully on their platform. I am able to transfer/sell currency but not invest/buy anything with no clear indication as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: DE
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:
I went to get a personal loan from XXXX XXXX for a used vehicle they have hit my credit multiple times and mutiple dates. Here are the ones that I did not do a inquiry on XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
UNAUTHORIZED HARD INQUIRIES TO 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 2020-03-30
Company: BANK OF THE WEST
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I paid off my loan with Bank of the west XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX THE COMPANY IS HOLDING SINCE XXXX XXXX {$2900.00} FROM MY CANCELLATON OF MY WARRENTY AGREEMENT. spoke to customer service six times and I get from them, they do not know where the money is, yet I hold the letter stating they have the money and to call them, but when I call they escalated three times and on XX/XX/2020 once again spoke with a supervisor XXXX XXXX XXXX  and even with the letter he says he does not see the letter, this must be some kind of joke. 
This bank takes advantage of XXXX individuals, it is horrible. If I did not pay them a loan payment I would be in court. This is unacceptable that that they can hold {$2900.00} of my money for no reason.

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 2023-10-27
Company: Collection Bureau of Walla Walla
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXXk account that went delinquent and was closed at {$240.00}. I did not realize that the account had allowed final deductions than then resulted in overdraft fees. Cbww obtained the account and they garnished my wages for a total of {$580.00} and are still wanting another {$290.00}. I know that collection agencies often purchase debt for ALOT less than owed. So my problem is since they have made double what my original owed amount was I believe this to be a fraudulent and heinous act. In hopes of taking advantage of someone and taking their money for an accidental mistake that is now Infringing upon their credit score and life. They will not communicate with me nor have they sent any mail correspondence either. I have attached the copy of my pay stub and to what they had deducted from there. Collections of Walla Walla

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: AL
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:
CRA not in compliance with FCRA & FCPBA this investigation is taking longer than it should.

Company response to consumer: Closed with explanation