BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint against Bank of America Credit Card - Visa in   XXXX    because of severe security problems with their credit card. I decided to reduce my financial foot print with Bank of America because of this issue and a problem in  XXXX , where I opened a Traditional IRA and they opened a Roth IRA by mistake, potentially causing a serious problem with my tax filing if I had not read the fine print. At that time, I emptied my saving account of most funds because of their tolerance for such a large margin of error. In   XXXX   XXXX   XXXX  , I closed my credit card and saving account and moved my direct deposit from my employer to another financial institution (   XXXX   XXXX   XXXX   XXXX   XXXX   ). At the same time, I moved the direct debit for my Bank of America Mortgage to   XXXX   XXXX   XXXX   XXXX   XXXX   to pay my mortgage from this other account. On  XX/XX/XXXX , I received a notice from Bank of America Mortgage that I am behind on paying my mortgage. However, the debits from my   XXXX   XXXX   account are clear and are attached in an account statement. However, the Bank of America statement reports that they performed an " unapplied funds reversal. '' The reversed funds states it left my bank of america mortgage account on  XX/XX/XXXX , but was not returned to my other financial institution from which it was debited, nor was it returned to the only remaining account with Bank of America, which is the remaining checking account ( which was the account the mortgage was previously debited from ). My wife now uses this account. So in essence they claimed they reversed {$920.00}, but they did not do so to my accounts and are sending me a notice that my account is past due and at risk for a late fee. I have tried to contact them twice but the prompts on the Customer service number do not progress to resolution. They confirm that payment was received. I believe this may  be institutional retaliation for the previous complaint. I have never missed a payment.

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 2022-07-07
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 want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander Consumer USA Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Annual Percentage Rate 18.00 % Account Balance XXXX If you would like to pay off your account balance, please Request Payoff Quote Account Maturity XX/XX/XXXX On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. The dealership forced on me a XXXX XXXX XXXX with XXXX valued at XXXX  telling me it was a must to purchase this warranty. As a result, I ended up with a car loan with Santander Consumer USA in the amount of XXXX  with a usury interest of 18 % applied. Two months later, after speaking with the XXXX XXXX contract holder, I realized that the Warranty package was indeed optional and I canceled it. As such the outstanding balance on loan of XXXX has to be reduced by XXXX I contacted Santander Consumer USA and asked the following : 1. Use {XXXX to reduce the current amount due of XXXX 2. Reduce the monthly payment of XXXX because of the material reduction of the principle amount on which base the monthly payment were calculated. 
Santander Consumer USA has refused both options which means they are using predatory lending practices which I am promptly reporting to CFPB. 
Please negotiate on my behalf and bring Consumer Santander USA within normal and legal lending practices. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX and XX/XX/2021my CashApp was compromised for over {$2500.00}. On XXXX XXXX I reach out to CashApp about the fraudulent activity that occurred on my account. Receiving a response from CashApp representative on the online chat was very slow or none at all. Also their toll free number no one ever picks up the call ( XXXX ). Therefore, I also contacted my financial institution XXXX about their issues. XXXX retire my money back to my personal debit card account. However on XX/XX/2021 cash app is now demanding for me to pay back {$1000.00}. I was sent money thorough CashApp on XXXX 2021. CashApp have taken my money unwillingly. 

I am a victim of fraud through using a platform which does donot care about their Consumer 's being victim of fraud, its sneaky and pathetic how a company would prey on the innocent person over using resources to figure out the hackers who committed this offense. Now because I am just an individual I have no safety from CashApp trying to persecute me and have me help responsible for fraudulent activity on my account and people out here who are committing these crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMSXXXX 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony financial Amazon Store card started charging an account security fee out of nowhere in XXXX. This is an extra fee in case a person loses their job or is unable to work due to disability or injury, and the account holder has to sign up for it. The fee is a set amount per {$100.00} on the card. I only discovered the last three charges when I went to look at my account to see if a refund was issued from Amazon, otherwise I wouldnt have known. Ive had my card for years and have had no need for this feature, and they just added it to my account without authorization on my end. 

Their customer service isnt open on the weekends, so Ill be calling Monday to get it resolvedbut I XXXX  to see if others have had this issue and apparently its standard practice for them to add this fee without cardholders knowledge. 

I even checked my email and there was no notification of this feature being added to my account. One would think that synchrony would send a confirmation email if a cardholder enrolled in the program, or to see if they did so in error and had an opportunity to rescind. 

Please look into Synchronys practices. There are no doubt other users who are experiencing the same issue. I will follow up if my issue is not resolved with them.

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 2023-02-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Name : XXXX XXXX XXXX Account # XXXX & Account # XXXX Violation of 15U.S.C 1681 ( S ) 2 -This is inaccurate reporting Therefore delete account off my consumer report And Delete account due to Violating FCRA Rights I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}

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 2023-11-30
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never held an account with this company and they are attempting to collect a debt that had already been discharged with the original creditor. I requested to opt out of them sharing my account information and all attempts be ceased via phone and email and they refused and continued to contact me. A 1099 has been filed and accepted by the IRS and copy B has been sent to the original creditor and whoever this company is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX/ Date of Last Activity/Account Status/Date Opened/Date of last activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate XXXX but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

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 2022-12-29
Company: EQUIFAX, 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been spending countless hours working on getting the issues corrected with " XXXX XXXX XXXX XXXX XXXX XXXX '' and will not stop till things are removed or fixed even contacting my Attorney, News outlets, XXXX  and FDIC if it takes this but first trying to get a resolution prior to these routes. I have explained many times in disputes but it seems that its ignored other than saying the dispute is finial and its determined that the information is correct. XXXX  has XXXX as Revoked D with over 359 complaints in the last 3 years with many issues the same as mine. 

Total XXXX by XXXX XXXX XXXX XXXX  issued me a card around XX/XX/XXXX XXXX of {$300.00}. I happen to fall on hard times upon getting and using the card leaving the card with it maxed and unable to make any payments. It and Date of First Delinquency XX/XX/XXXX and Charged-Off around XX/XX/XXXX and was sent to Collection around this time. I finally was able to pay the account in full to the collector XXXX XXXX XXXX XXXX XXXX in the amount of {$430.00} on XX/XX/XXXX Ref # XXXX. 
Equifax is reporting this as being Charged-Off XXXX XXXX and XXXX of XXXX, a Charge-Off should only occur once and that is XXXX of XXXX when it was Charged-Off. Also in the last Dispute Update its being reported that my " Date of Major Delinquency '' was XX/XX/XXXX ( yet Date of First was XX/XX/XXXX ) having Fico showing me late less than 60 days ago instead of 4 years ago when it went past due... 
I first ask that you as a courtesy remove this reporting from all 3 Credit Reporting Companies as I paid in Full the Debt with the Collector XX/XX/XXXX, If this is not an option please remove this false date for XXXX XX/XX/XXXX and Charge-Off XXXX as this is incorrect. 

This above info is hurting my Fico score and is the only negative reporting on my file with over 30 perfect accounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is reflecting incorrect information with my  credit score  being affected due t o JC Penny reporting late payments on an account I had. I have reached out to JC Penny customer service directly and was told they would note my account and update their system and as a courtesy correct this. It has be  en 30 days and the i nformation is still the same with no correction on my 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: NC
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 Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was scammed into an 'authorized push payment ' I explained this to my bank but I was ignored. 

I purchased a service from someone online for {$5000.00} on XX/XX/XXXX through a swift money transfer with my bank ( Wells Fargo ) and I did not get the service I payed for, I was blocked from all communication with this person after I asked for a refund. 

I made a claim for 'fraud/scammed ' with my bank and I was never contacted back about the status of my claim. I had to call them back numerous times in XXXX of XXXX to find out about the status of my claim and they kept giving me the run around putting me on hold for long periods of time transferring me from department to department giving me several different case numbers for my claim saying they don't handle these types of claims I was even hung up on. 

Finally I managed to speak to someone and they said they are not able to refund me the money even after I explained to them that I was scammed.

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