BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXXXX/XX/2022 I entered into Bank of America in XXXX, NC. I want to file a complaint for discrimination. I was treated unfairly by a banking representative. 
I was trying to explain that I was on vacation from XXXX. I didn't know why my check was being held, when the check was drawn on Bank of America. 

My check was for {$2000.00} I only had {$20.00} in my account. I advise them I needed funds to get back to XXXX with my XXXX, I was traveling with. I told them I understand but I only wanted {$500.00} or maybe {$600.00} to get back home. 
After explaining myself several times. I was advised by representative via that I could take out a loan, open up a credit card or borrow money from a friend or a family member, that there was nothing they could do. 

I was talked down too. I was left unattended several times by a personal banker representative. I was asked personal information concerning my length of employment all because I wanted funds from my paycheck. I felt very XXXX by the treatment I received from Bank of America. 

I suffer from chronic XXXX and XXXX, immediately after that I took XXXX  inside my vehicle.

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 2020-01-08
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/2020, I received an email from Equifax saying that my data may have been breached. On XX/XX/2020, I used the link in the settlement email to confirm that my data was included in Equifax 's data breach. I tried to complete the settlement procedure, but could not recall the name of the credit monitoring service that is currently monitoring my credit. I attempted to log in to My Equifax to determine if Equifax is currently monitoring my credit. 
1. I was informed by my browser that myEquifax is a high risk web address. 
2. I searched on My Equifax and used that link. When I entered my current password, I was informed that my username and password were incorrect. They were not, but I agreed to reset the password. 
3. I successfully reset the password. I attempted to log in with the new password. I was advised that this was incorrect and was told I had up to 3 tries to access my account. I tried to log in with the reset password and was informed that I was locked out of my account ( at only 2 tries ) and that I had to call an 888 number to unlock my account. 
4. I called the 888 number and answered numerous questions about my credit history. I believe I answered questions about my credit history correctly, but was informed that they could not verify my identity and that I would have to send " documents '' to an address in XXXX, XXXX Equifax does not tell callers which documents to provide to reinstate access to their accounts. 
5. I navigated the phone menu to reach a Customer Service Rep - no easy task. I asked to have access to my account restored tonight. He was unable to help me and agreed to transfer me to a supervisor. He asked for a call back number. He then hung up on me and no one ever called me back. 
6. I called the 888 number again. I got another CSR in Sales. He informed me that he could not help me and that the 1st CSR disconnected me as the Transfer button is next to the Hang Up button on the monitor ( great design! ). He transferred me back to the 888 number. I have been on hold for 40 minutes and am still on hold.

7. I would normally walk away from this entire matter - giving up on the settlement - but I want the ability to put freezes on my accounts and lift them. Equifax 's level of service and the complete incompetence of this organization does not give me any comfort that my information is being appropriately safeguarded and that persons who are authorized to access my information can gain access to it. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, my scheduled payment for XXXX was scheduled like every other month and come XX/XX/XXXX I personally realized that the money never came out of my account. I personally called new Rez to try to figure out why the money was still in the account and they still showed it pending on their end. No issues. Come XX/XX/XXXX I called again as money was still in checking account and that's when they said it looks like the payment got rejected I immediately said there's no reason for that please try it again the money is there And they took the payment and everything went through fine. I've been personally reached out to new rez via email as you can't speak to anyone via phone regarding credit reporting, providing documentation from my bank account showing the money was there and there was no reason for the payment to be rejected. Neither XXXX or XXXX charged me any NSF fees because there was technically money there But I begged and pleaded them to not report this to my credit report as it's always hard to get it removed and let 's be proactive and not make this an issue and here we are it got reported. I provided them big statement showing money was there I provided everything that I could think possible to prove to them that I was the one that initiated the payment and followed up on the payment being processed and had I not of done that nobody would have notified me I wish I would have known prior to XX/XX/XXXX because I would have re-issued the payment then The only reason it got re-issued after the fact is because I again caught the error on their end now they're trying to tell me it was rejected by the bank I understand their obligation to report negative credit but though this is not the scenario the money was there I have always made my payment on time there is no reason for this to be a late payment as I immediately told them to retake it and they got their money I asked for them to immediately reverse the negative reporting on my credit report because they got their money when I told them to retake it and they got there they should've got their money timely in XXXX if there wasn't an error on rejection through all this automated nonsense and you're not able to talk to anybody about it. 
Had I been able to talk to somebody about it at the end of XXXX there would never have been an issue Please remove the negative credit reporting. Per the attached the money shows it was taken out and no NSF was charged therefore they know this was made timely and it was an error. Not by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a XXXX  collection. That has been reported illegally on my credit report. This is invading my privacy in HIPAA law please remove from credit report, or youre opening your self to litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX XXXX We received a letter stating that if we payed XXXX that would pay off my truck. 

I was making payments on it and also keeping in contact with them. 

Then we received another letter XXXX XXXX stating that if we payed XXXX it would be payed off. 

when I talked to someone about this they thought the car was not in my possession. 

when I spoke to them and brought up the situation from XXXX they told me that all my payments have been collecting interest and I still owe XXXX So they told me all my payments from the time I purchased this truck have not been going towards my truck. If that's the case where have all my money been going. 

this is not correct at all.

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 2023-11-23
Company: CITIBANK, N.A.
State: FL
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:
Citi Bank/ Best Buy is reporting delinquencies to all credit bureaus, But I have never opened an account with Best Buy. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of Identity theft in XXXX of 2021 when I left my wallet with all of my information and identification in basic training while I was being transferred to XXXX for my permanent duty station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account delinquent. Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX  because it's causing my l ; life more problems, 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 non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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.. 


XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX  Inqiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XX/XX/XXXX 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 rep more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was recently married and my mother wrote a check to us as a gift, which I tried to deposit. My bank held onto this deposit for more than a week, took her funds, and then refused to release the funds to me. Their solution to the problem was to tell my wife to forge her name onto the check in order to fulfill their endorsement requirements. Meanwhile, they have no plan to release the funds back to any of us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I respectfully request that this collection be immediately removed from my credit. I was not aware of this collection until I was checking my credit report on XX/XX/XXXX and noticed the collection placed on XX/XX/XXXX for {$550.00} on my credit. I called the collection company on XX/XX/XXXX and asked about the collection. They told me that it was related to an unpaid balance for Auto Insurance with XXXX. I explained that I switched Auto Insurance companies a year before and I was not aware of any amounts pending. The collection lady was very friendly and mentioned that sometimes auto insurance companies add penalties or get rid of discounts when one does not notify the insurance company of the change of insurance, so I decided to pay the reduced amount. I've been expecting the collection to be removed from my credit report, first because I was not aware of the allege debt, did not receive a warning of collection and was not given the chance to dispute or validate the debt and second because I paid the reduced amount suggested by the collection lady. I had an expectation that the collection would be removed by now since it was not properly addressed either by XXXX not by the collection company ( except for the fact that the collection lady was very friendly and offered the settlement ). Notwithstanding the above, I wish to state for the record that I paid this settlement offer to clear my credit report and not because I owed any money and because I though the derogatory mark would be removed from my credit. As I understand the Fair Credit Collection Act, in cases where the consumer is not given a change to validate or dispute the allege debt, the collection should be removed. I should have probably dispute the debt first but the collection lady was so friendly that I thought it would be removed if I paid it instead of disputing it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently found a memo from TransUnion stating that child support collections are not credit transactions and excluded from Consumer Files. XXXX and TransUnion are willfully neglecting and non compliant to the FCRA laws

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-06-04
Company: JPMORGAN CHASE & CO.
State: VA
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:
WHERE IS MY REPLACEMENT CHECK FOR THE ONE YOU ILLEGALLY STOPPED PAYMENT ON???? YOU STILL OWE ME THE MONEY PLUS THE {$15.00} MY BANK CHARGED ME FOR YOUR BOGUS CHECK!!!! WHY HAVEN'T I GOTTEN THE EMAIL I REQUESTED???? DO THE ROBOTS NOT KNOW HOW TO TYPE EMAILS???? I DON'T WANT THEM CALLING ME EITHER!!!! SCAMMERS AND THIEVES!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
I do not have a contract nor any contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from Portfolio Recovery. I am not responsible for this debt with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Violation of 15 USC 1692 Validation of a debt ( a ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( c ) *Stop reporting my information to XXXX , XXXX , XXXX whom are 3rd parties. 

15 USC 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, di- rectly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a no- tice that complies with section 6803 of this title.

( b ) Opt out *Stop/Dont ever again report any information to a credit bureau/3rd party *The securities interest in my contract says the truck was already paid for? Im requesting a G.A.A.P. Audit of the funds loaned to me under this contract. 

Who is the original creditor? 

Respond to my full affidavit that has been sent 2x to Credit Acceptance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: GA
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 according with the Fair Credit Reporting act XXXX Account # XXXX have 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 its also states a consumer reporting agency can not furnish a account without my my written instructions My account name and number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: AMERICAN HONDA FINANCE CORP
State: MD
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights.

T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.

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 2019-11-21
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Attempted to request information on debt they claim I owe from the collection agency working for Synchrony Bank. Nothing received that validates debt! Synchrony Bank has now motioned a law suit against 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