BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bank of America XXXX, Mn This account is all fraud and they want me to pay for this.. I tried several times to make arrangements, and they refused, I tried to make a payment with cash, check, debit card and they refused... they wanted all the money or none..I told them that i had gotten scammed and was unable to pay the balance and finally my new mortgage company had to get involved and forced them to take the payment. of {$120.00}. from me and told them the rest was fraud and scam charges and still kept wanting more money .... 

They are very difficult and hard to deal with. I have been in contact with the police and finally got a report. Case # XXXX Its a scam and Fraud case of {$35000.00}, in credit cards and stealing of bank account information. 

These scammers said with would help me pay of the bank of America account, just give them he account number and they would pay it off ... .Yes they did and in 2 days they reversed the payment. which created more charges. The balance is at over XXXX 

this continued with 3 other credit cards, and with in 3 days they had maxed them out. 
And they all want their money and I'm on a fixed income. And over XXXX in age and XXXX. they have stole everything .... 

The next card is XXXX XXXX XXXX card, they are getting a police report also and the scammer kept on .... 
These scammers steal the credit card information right off your phone off the receipts..The next big deal is they use gift cards, XXXX and XXXX XXXX, XXXX and up. they promise you the world, and all I've gotten is a bad credit score, from XXXX to XXXX ... and try and get a mortgage on that. Trust me you cant. 

The credit credit companies will get the police reports and names of the scammers which i all have. This started in XX/XX/2023 and XX/XX/2023 ... ... 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 explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: PA
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 submitted a dispute letter to all three credit bureaus regarding inquiry investigations. Letters were sent certified in the latter part of XX/XX/2021. No creditor or credit bureau has responded to my request for an investigation. In accordance with the FCRA the bureaus must be responsive and have an obligation to verify the allegations upon request and supply all proof in a timely fashion. 

Inquiries on Experian : XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX, XXXX XXXX, Inquiries on XXXX : XXXX, XXXX, XXXX XXXX, XXXX XXXX on XXXX XXXX XXXX XXXX SXXXX 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 explanation
Consumer complaint received 2023-11-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I phoned AppleCard/GS Bank on XX/XX/XXXX and requested to close my never-used account. The person I spoke with informed me that I had a balance owing of {$20.00} plus {$3.00} in interest. This was the first I had heard of any amounts owing. I informed them I would pay that amount if it would complete closing my account. During the call they asked several times if I was sure I wanted to close my account, and I confirmed each time. I paid the outstanding balance on the call with another credit card. I asked and was told there would be no negative credit report, which turned out to be untrue. I was recently informed by my bank, XXXX XXXX, that my credit score had declined by nearly XXXX points, from mid XXXX to mid XXXX. The reason for the loss of score was a XXXX late payment claimed by AppleCard/GS Bank , as reported by XXXX. This is the only negative item on my credit report and it was clearly in retribution for closing my card account, as I had never used the Apple Card and did not know of any late charge. I called AppleCard/GSBank customer service after learning of the maliciously false credit report and asked them to remove the report. The woman I spoke with was very sympathetic and understanding, she said it was not right but all she could do was submit a " XXXX level '' report to her superiors. I have yet to hear anything more from Apple Card/GS Bank . Speaking to XXXX about this is not possible because they refer all inquiries to GS Bank. In my mind this is a good example of the abuse practiced by online finance companies over consumers. My confidence in XXXX to protect its customers has been severely damaged by this experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays,  so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have opened a dispute with American Express on my Gold Card for an amount of {$640.00} with XXXX due to not receiving an item from a seller on XXXX. The seller has repeatedly forwarded documentation claiming I received the item such as a forged signature from USPS ( the package did not have signature confirmation ) and another PDF showing that it was delivered in/at a mailbox ( which it couldn't have been if it was signed for as they claimed. ) I have provided all of this information as well as pointed out the discrepancies in their argument and spoken with the local post office who informed me that the package was delivered to another address in the same zip code, but American Express is taking my side for a few weeks and removing the charge before turning around and rebilling me due to the seller submitting more false and misleading documentation that provides no evidence that I actually had the package in hand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX : Received a bill from XXXX XXXX stating they were the new billing company for XXXX XXXX ( copy attached ). I called the company to find the original date of service. They were unable to provide that. I have 2 insurances, Medicare ( primary ) and XXXX  ( secondary ). I am a XXXX XXXX XXXX and has XXXX coverage. 

I received an EOB from Medicare. This bill represents the balance after Medicare paid. They never billed XXXX. I continuously asked for over a year what did XXXX pay. They could not tell me. I asked for the Explanation of Benefits from XXXX. They never provided it. They agreed that it should be done and they would do it. They never did On XX/XX/XXXX, I received a collection letter from American Profit Recovery, Inc.for {$210.00}. 

I submitted a letter by certified mail requesting the following items : - An Explanation of Benefits from XXXX indicating what they paid- The original date of service- That they will validate the amount that I owe and verify that they ( American Profit Recovery ) can collect on this bill Instead of sending me the information, American Profit Recovery sent me a Patient Account History that did not provide me with any information ( copy attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXXXXXX XXXX XXXX XXXX account number XXXX. In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX  and XX/XX/2021. I assert that my payment was made on XXXX XXXX XXXX in the amount of {$300.00} with confirmation number XXXX as well as a payment XXXX XXXX XXXX  in the amount of {$460.00} confirmation number XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under the FCRA.

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 2023-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I used the website XXXX to purchase both a plane ticket and a hotel room to go to the XXXX XXXX. I made the original purchase for the plane ticket on XX/XX/2023. I paid {$130.00} up front and agreed to monthly payments of {$170.00} to be paid until the total amount of {$1100.00} was paid in full. I was making the payments on time since the purchase out of my Bank of America checking account. On XX/XX/2023 I received several notifications from my Bank of America app that that six large transactions were made. There was four separate transactions for the amount of {$460.00}, a transaction of {$1000.00}, and a transaction for {$820.00}. I did not make or approve any of these transactions. Upon checking my XXXX account these transactions were not present and only listed my current monthly payments I previously agreed to. I spoke to a member of the Bank of America fraud claim team and gave him all of this information. Although a portion of the money was able to be refunded due to the team member canceling them in a timely manor, {$2300.00} remained unaccounted for. The team member opened a new claim for me on XX/XX/2023. On XX/XX/2023 I received a notification from Bank of America informing me that my claim has been considered resolved and they were unable to refund the remaining {$2300.00} as they believe I approved the transaction. I did not approve any transactions outside the month of XXXX. XXXX is also now demanding I continue to make my monthly payments of {$170.00} even though they currently have the {$2300.00} I did not approve them to take.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: LA
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:
See attached. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: MI
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 have contacted Experian, XXXX as well as XXXX about the incorrect information and the accounts attached to them and nothings has been done about 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
More inquires that I did not authorize : 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 2023-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i was checking my credit report and noticed many things on it that i haven't done, so i freeze my credit, filed a police report also a FTC report, and started to dispute the incorrect items, i was successful with everything until it came to Equifax, they are saying the item has come back as verified which cant be correct because if it was verified that mean i have done it and thats just not true im asking the company to show me what was used to verify that i in fact is the correct owner of the account they sent no nothing, i need proof if the person driver license, social security card, phone number, signature, mailing address, i need everything because if this account belong to be the creditor and Equifax can send this over because its already me right? this company has no respect and is not reading the dispute letter its just saying verified and pushing the problem away i know this because i am not the owner of the account that was open, my information was also leaked in the Equifax data breach, and dark web breach so im assuming thats not true either. i dont know whats going on with Equifax but my next steps is to take them to court and im going to file the paperwork tomorrow XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was involved in a accident which wasn't my fought. The Insurance company was responsibe for 100 % of the payment. I shouldnt have any dept on this particular account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 explanation