BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: IL
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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has repeatedly called on different numbers at obscure times almost everyday, whether early in the morning before XXXX or later at night but they are relentless even though I am already paying them back on a regular monthly basis! My debt isnt even a big amount but again, they continue to harass me and NEVER leave a message stating their business if I ever miss their calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onXXXX  XXXX XXXX. I check my account on the XX/XX/XXXX 0 dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with XXXX and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank Of America XXXX XXXX is deny me a credit card to help with my credit

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 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I initiated a withdrawal for {$760.00} on the Bank of America ATM located at XXXX XXXX XXXX, XXXX Ma XXXX, When I attempted to use the ATM, an error message appeared that the ATM was unable to give me money, and that my account would receive a credit. And I couldn't withdraw money successfully. I immediately called the bank, and after waiting on the phone for several minutes, the representative informed me the problem would be resolved the next day when the ATMs closed and settled. 
I was also instructed to dispute the transaction, however, due to its status ( IN PROCESS ), it was not possible to do so. 
I checked the account the next day and the withdrawal was settled but there was not any credit for the amount soI filed a dispute online and I called again, the person told me they were going to start an investigation and the money was going to be credited in 45 days, after explaining again the situation and stating that I needed the money to pay rent, he told me he was going to credit the {$760.00} in 10 business days that is XX/XX/XXXX but if the investigation was inconclusive I had to return that money, The ATMs have cameras but they told me another company manages the ATMS so that's why the process takes too long, I don't think is fair to wait even one day for the money because it was money I had in my checking account and I have to lend money from someone to pay it on time. I have called several times to talk to different agents and they all say that I have to wait and is still on investigation.

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 2023-05-11
Company: EQUIFAX, INC.
State: AZ
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 would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes I am not disputing anything on my credit report as of today. Please open my credit file up as of today please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file

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 2023-02-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  withdrew {$6000.00} from my account because of a recurring payment I had setup with a Barclay card.

The problem is that the Barclay card was closed months ago and I forgot to close the account. 
XXXX XXXX XXXX  still processed the payment on XX/XX/XXXX. 
I realized the problem happened in XXXX and gave a call to Barclay and they informed me that the return was submitted. 2 months have passed and I have not received my money back. 
I have called both banks and neither bank can figure out where my money went. 

I am looking to see if you can provided me with information on how to handle this problem.

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 2022-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having many problems with the 3 Credit Reporting Agencies/Bureaus XXXX They are mixing my file with someone who is deceased. I have disputed this with them for the past year and they have not corrected the accounts. Equifax will not even report a score and XXXX sent me a letter saying that they have me as deceased even though they show me making ontime payments on my own accounts and late payments and collections on the ones that are from the deceased person. 
These issues have caused me and my family great difficulties and stress for the past 5 years. I have sent proof of my identity with documentation and pictures with my Florida issue Driver 's License. They have either not responded or ignored my requests or simply told me it's been verified with sending proof or an explanation of how it was verified. Please help me resolve this matter. The pandemic has taken a toll on our family. Both financially and physically and I am unable to apply for a loan because of their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Opportunity Financial, LLC
State: NV
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:
Notice to agent is notice to principal, notice to principal is notice to agent I have been deceived and misled about the use of my credit they have misinformed me and after checking the fictitious contract they created I have spotted and seen that it states very clearly that the security originally is more as the car has been paid in full the moment I gave them access to my credit to my credit 15 usc 1602 ( I ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave them my credit card and it entered me into a consumer credit transaction and that created a finance charge in pursuant to 15 usc 1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report.

In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with XXXX, XXXX XXXX and Opportunity Financial be deleted from my consumer report XXXX XXXX, Beneficiary ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Financial added a payment protection program to my Amazon Store credit card without my consent and charged it to my account. I was never notified in any way that this would happen nor did I want it. I have cancelled the service with their automated system.

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 2023-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: PLANET HOME LENDING, LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Failures by Planet Home Lending Planet Home lending failed to provide me with easy access to paying off my mortgage loan as a consumer and a veteran. They have failed to fix this after 4 separate phone calls, and over one month of back and forth. I will be on my fifth attempt to correct tomorrow. 

The issue is failure to provide me with there form for bi-weekly payment processing. I have now received the same bi-weekly form letter, stating fill out the form to setup by weekly payments and providing me with legal notices, of information. However, each time the form letter leaves out the bi-weekly payment form or a return envelope. I have requested they fix, the website, and provide me the form each of the above four phone calls. I will be requesting this be fixed the 5th time tomorrow. 

They seem to be intentionally not posting the form online, or allowing it to be processed and legal rights validated, there login account. This allows them to then say, we can send it and then they seem to intentionally leave the form and return envelope out of the letter provided. I am sure this benefits them several ways, one they are pretending to comply with the law. Second benefit it reduces early mortgage pay-offs, by making it difficult to setup automated extra payment. Third benefit is they reduce there wire fees to zero or in half per borrower, depending on existing payment delivery method, for existing borrower. They failed to realize when someone like myself repeatedly requests the same information by phone and mail, and receives the same result, they are creating a pattern of abuse of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX has 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 : 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 report by 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 the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: JPMORGAN CHASE & CO.
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:
My account was hacked and several unauthorized payments of a total of {$4900.00} were made using XXXX and apple cash from XXXX. 
I reported this as soon as I found out to Chase bank who initially reimbursed the amount back to my account. 
On XX/XX/2021, the bank notified me that their research concluded that the transaction was authorized and that they would take back the reimbursed amount of {$4900.00} on XXXX and XXXX. 
After getting this message, I made several attempts to talk to them on the phone even visiting one of their branches. First, calling them and being connected with someone was such a painful process as I was put on hold for up to 50 minutes. Even during this long hold I would be disconnected without any announcements. 
After several frustrating failed attempts spanning several days I finally was able to get a hold of someone who said I had to provide proof that I did not authorize those transactions to be reimbursed the lost amount. This is impossible for me because ( 1 ) my account was hacked ( I don't know how ) and the transaction was made using my account and password by a wicked hacker, ( 2 ) I don't know the other party who received the money. How am I supposed prove that I do not know that party. 
Isn't it the bank 's job to find out the ip address of the receiver and figure it out? I don't have the technology and knolwedge to do that. 

I am already indebted with my college loan and I just can not afford to live with extra financial burden which is of not making at all. 

The bank is not doing its job to support their loyal customer and making it so difficult to dispute bank 's wrong process and due diligence. 

I demand full investigation into this matter and a full reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXX XXXX XXXX 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 an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX & XXXX BANK Account Number : XXXX XXXX XXXX COLLECTIONS Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: BANK OF THE WEST
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan on XX/XX/XXXX for the amount of $ XXXX on a RV we needed, at a rate of 6.75 %. Today, XX/XX/XXXX, we still owe $ XXXX, after making monthly payments of {$360.00}. Looking back at the monthly payments, it was sporadically designed at $ XXXX {$130.00} to the principle and over {$220.00} as interest payments. There is no online option to better selected the principle down as opposed to the interest. After 3 years of timely payments, at still owning roughly the same amount of the original loan is disturbing.

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 2022-02-15
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
I settled the account with Midland back on XX/XX/2021. PAID {$670.00} The agency gave my rep this Confirmation number # XXXX. They promised when I paid the {$670.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and XXXX

Company response to consumer: Closed with non-monetary relief