BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
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:
The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by XXXX. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1.Obscene/profane language : stating I owe an alleged debt ; implicating I must pay an alleged debt.

2. HARASSMENT!!! Multiple unsolicited phone calls ( x43 ) and voice mails ( I have call logs and voice mails to provide should I pursue civil/criminal litigation ). *HARASSMENT* 3.Obtaining/accepting my personal info ( phone numbers & mailing addresses ) to.

Notice, Pursuant to 15 USC 1692 - total in damages and violations : {$45000.00} If such notice from theconsumeris made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021or around that day I sent via Certify letter to Regional Acceptance Corp a Request of a 1099 C debt cancelation form because They are reporting a car repossesion of a XXXX XXXX XXXX  and acording to the XXXX  and XXXX  Regional Acceptance Corp is reporting an inaccurate and measleding and imconplete Information of US {$11000.00} and on the XXXX  file Regional Acceptance is reporting another inaccurate and measleding Amount of US {$12000.00} wich is a violation and this trade line must be removed or delete immediately from my credit report furthermore today XXXX I received a letter from Regional Acceptance Corp where they are sending me another different Amount of US {$9600.00} wich is another inaccurate misleading and incomplete violation

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 2017-03-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new HSBC checking account with {$350.00} new account promotion in XX/XX/XXXX. I satified all the promotion requirements by setting up the direct deposit. Two of my friends opened the new accounts 1 week later than me. Both of them received the {$350.00} bonus at the end of XX/XX/XXXX. The latest time based on the promotion terms and conditions should be the end of XX/XX/XXXX. But till now, XX/XX/XXXX, I still did not get the bonus. I tried more than 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives aggreed that I satisfied all the promotion 's requirements. Then they forwarded my case to the backend promotion team for further research. I received the responses only twice of all my requests. Mostly, they promised to reply within 4 business days, then nothing happened. The first time the backend team stated that I did not qualify for the {$350.00} promotion because I already held an account with HSBC Bank USA while opening the new account. But I was not holding any HSBC account when openning my new checking account. The terms stated " Customers who held any HSBC personal account between XX/XX/XXXX and XX/XX/XXXX are not eligible for this offer. '' But my previous HSBC personal account was closed before XX/XX/XXXX. The second time the backend team stated that did not qualify for the {$350.00} promotion because I opened a new savings account along with my new checking account. But there was no any limitation on opening a new savings account in the promotion terms and conditions. I do n't think openning the new checking and savings accounts together could make me ineligible for the new checking account promotion. In addition, the two of my friends opened the new savings accounts too. They received the {$350.00} bonus. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA refused to give me the bonus in different unreasonable excuses. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for more than 10 times. They even did not reply to my customer service requests as they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I checked my balance on my XXXX XXXX XXXX with Bank of America and the transactions shown that a XXXX cash withdrawal was made on my account the last time I used my card was with the bank at a different location

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 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received notification from XXXX that my credit score dropped. I immediately went to check my score. I saw a mark against me from Bank of America For {$61.00}, I was Immediately alarmed. I have never had a Bank of America account, checking or savings, let alone credit. I have never applied for a Bank of America credit card. I never had to I am an XXXX XXXX card member. I called Bank of America immediately and was told there was a credit card opened in XXXX of XXXX, and the annual fee was delinquent as of XX/XX/XXXX, I told the representative that I never opened this account, had no knowledge of it until I received Transunions email and am extremely alarmed. The rep immediately closed the account after asking me a series of questions and told me, the credit bureaus would have to contact them to confirm the account was fraudulent. I did as instructed and filed proper disputes. Today I got a notification from XXXX stating the account is accurate. I am Not sure where the disconnect is but it needs to be rectified immediately. I have worked extremely too hard my entire adult life to have amazing credit for it to be jeopardized for a {$61.00} annual fee for a card I did not open.

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 2022-10-06
Company: ALLY FINANCIAL INC.
State: MI
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 XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

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

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 2017-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Please be advised that all Responses can or will be use in a Federal Court. 
1. I Disputed everything on my Equifax Consumer report XX/XX/2017- XX/XX/2017. 
2. XXXX Disputes exact I have n't received I responses yet today is XX/XX/2017. 
3. I Demand everything negative to be removed immediately. And as you can see on the attachments the investigation was way past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: Mobiloans, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have had someone steal my identity to use it for mortgage, medical, airlines that I'd never use I've never been there, wrongful debt collection.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-14
Company: MicroBilt / PRBC (formerly CL Verify)
State: NY
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:
i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Dtafax : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX, XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX .... 

Account Name : XXXX Bank Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I reached out to request a new card on XX/XX/XXXX and was told it would take 10 business days to receive a new card. I called 8 business days later because I still had not received it the agent I spoke with said to give it a few more days and I could receive it and if not to call back and they would issue a new one. I called after the 10th day and after having so much issues with agents and poor customer service I asked they cancel the account and send a check and the supervisor I spoke with said that in order for the account to be canceled I would have to spend all the money, so I continued to wait for this card. Days later I call to speak to a supervisor and am told that there are none available. Every time after this I call to speak to a supervisor and one is never available. I mentioned that I wanted a check and they they said they could but that a supervisor would have to approve it but that there are still none available and then today i speak to someone and they issue it.

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 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was told that late payments would be removed ; however it was n't, I paid bill in full. I never got a late payment notice till it was to late.

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 2023-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX and Equifax are reporting late payments on my XXXX account # XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, there were multiple fraudulent charges made with my Bank of America debit card. I was notified by the bank that there were suspicious charges and asked to verify if them. At that time, I saw an initial charge of {$1400.00}, followed by multiple other charges ranging from XXXX down to {$330.00}, totaling just under {$4000.00}. I spoke to an agent that verified only XXXX of the fraudulent charges and then refused to verify the others. I was told I needed to go to a bank branch if I had other concerns and that she could not help me with anything else. This conversation was supposed to be recorded by Bank of America, as well as the several other calls that followed over the next months. I went to the bank and was told they could not help me other than connecting me by phone to their remote fraud department. When I spoke to the agent over the phone, she asked me to report any other charges that I did not recognize at that time. I had a printed list of transactions and I highlighted those I did not recognize, notably the largest transaction of {$1400.00}. There were several other transactions that were processing and I was told I had to wait until they were done processing to claim them. I was also told they were going to fall off, which most of them did. I do share the account with my husband and accidentally identified a few charges that belonged to him. About a week later, I received notice that the claim was denied because some of the charges claimed, were made by my husbands debit card. I was advised to request to reopen the claim by writing a letter and specifying that the transaction I am reporting was the {$1400.00} charge. That was on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received my money. I have been given multiple updates by calling and none of them have actually been congruent. I made an additional visit to the bank and sat with an agent while on speaker phone with a fraud specialist and was told that they were about to write it off and we should be expecting to see our funds in 10 days. That was on XX/XX/XXXX. I made another call today and I was told that they are still waiting on the merchant to respond, but that they have not so far, and likely will not. I was told it was unlikely I will receive my money back. Please help us to get our money back from Bank of America. Thank you for your 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 monetary relief
Consumer complaint received 2018-09-01
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe PayPal XXXX. I dont have a PayPal account and have never used PayPal. I contacted PayPal on XX/XX/2018 who confirmed I do not owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: LendingPoint Holdings LLC
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:
I wish to have all credit cards accounts removed from my consumer report account that's share my personal experiences threw third party public traffic. 

18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information 15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: IN
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation