BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: AFNI 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: Investigation took more than 30 days

Complaint:
I sent a Debt Validation letter to AFNI Inc for two unverified collections that are on my Credit Report that I do not recognize as being accounts I opened. One for {$1600.00} and the other for {$270.00} on XX/XX/19 and it was delivered XX/XX/19 I never got one response from them in regards to these accounts. It is now XX/XX/19 well past the 30 days requested on the original letter that I sent to them and still have not heard anything from AFNI Inc . I have also sent a letter requesting that these accounts be removed from my Credit Report due to no response nor Validation of these debts and they still appear on my Credit Report. I am now filing a complaint with you guys on this Agency because I can't seem to get any type of response from the company themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchased on XX/XX/2023 Amazon XXXX XXXX XXXXXXXXXXXX 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 Total Cost {$32.00} charged credit card {$29.00} and reward points used {$3.00}. 

Item Delivered XX/XX/2023 Did not deliver Whole Bean Coffee that was advertised delivered ground coffee per seller Amazon published ad error. Requested a refund and published an bad review seller responded On XX/XX/2023 " You were refunded for the error a long time ago. '' updated Amazon and Synchrony Bank. No credit given there was a guarantee by Amazon for a refund within 48 hours. To date still No Refund or Credit to my account Amazon Credit Card by Synchrony Bank

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I emailed Bank of America ( BofA ) on XX/XX/2018 and have yet to receive a reply. The was was directed towards XXXX XXXX XXXX, Vice Chairman, Bank of America and I copied XXXX XXXX, Chairman of the Board and Chief Executive Officer, Bank of America. The email addressed my concern whether BofA is discriminating against lawful business. A copy of the aforementioned email is copied below : It read that the Bank of America plans to stop lending to manufacturers of " military-style firearms '' used by civilians. Why would a respected company, such as yours, discriminate against lawful businesses? I can imagine you might have reservations lending to companies that deal with, for instance, XXXX that is legalized in some states but is not decriminalized on a Federal level. However, these businesses that you now target conduct lawful business which is still protected by the 2nd Amendment included in our nation 's Bill of  Rights. These " military-style firearms '' are not military weapons and can legally be purchased by law abiding citizens who pass the ATF Form XXXX, Firearms Transaction Record ( Form XXXX ), background check.

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 2023-05-13
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:
The credit reporting agencies are reporting a late payment for account XXXX XXXX when the company stated that they submitted an update to the credit bureaus to remove the late payment. This response was submitted to me on XX/XX/2023. The company stated that the credit bureaus would update it within 30-45 days, but it will soon be 60 days and this is still not updated. The complaint ID is XXXX where you can see the attached letter stating that they would update the credit bureaus. I will also attach the letter along with my ID. I am demanding that this account is updated within 15 days or I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NY
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 sent letters out to Experian & XXXX on XX/XX/2023 to Investigate every piece of information on the accounts I have listed below.Also I have attached the letters I sent out and the tracking numbers as well for those letters According to the FRCA The term " invertigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. these accounts are inaccurate and according to the FRCA 15 USC 1681 everthing has to be 100 % Accurate. 

Experian Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Accounts : XXXX  XXXX XXXX, XXXX XXXX Experian letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX letter Tracking Number : 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 2019-05-24
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying my federal student loans since XXXX. I started paying {$300.00} per month. I tried refinancing in XXXX with a private lender thinking that somehow I could save money but quickly went back to Sallie Mae. Year after year I was directed to apply for a forebearance/deferment ( I have no idea which is which ) since I could not make the $ 600+ payment that showed due at that time. Meanwhile, interest continued to mount. Finally in XXXX I was instructed to enroll in the income driven repayment plan. This should have been the original option given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Southwest Recovery Services, Inc.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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, Citizens Bank sent me a text alert, asking if I authorized charges on my debit card. I responded No, I did not authorize these charges and called Citizens Bank immediately. I was told they must allow the charges to post to my bank account in order to open an investigation even after I told them I did not purchase any of these charges from my debit card. I have called XXXX times and visited local branch XXXX times to get my money back into my account and was told I have to wait for their claims department to call me. No one has called me as of XX/XX/XXXX. The following charges are fraudulent charges and Citizens Bank refuses to honor their policy of XXXX liability XXXX  card unauthorized transactions. 
All these XXXX following charges posted to my account on XX/XX/XXXX. The charges are all from the same merchant XXXX com bill, XXXXXXXX XXXX 
{$15.00} / XXXX charges for this amount {$5.00} / XXXX charges for this amount {$10.00} / XXXX charges for this amount {$21.00} / XXXX charges for this amount

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear I made a XXXX  TRANSFER request from XXXX XXXX XXXX to XXXX XXXX, XXXX on XX/XX/2018. The fund was with held at XXXX XXXX  ( XXXXXXXX XXXX- JP MORGAN CHASE , NY ). When Remittance Bank is asking for status enquiry, there was no reply from them. Even the beneficiary bank got only XXXX  message but no funds transferred to them till now. I am attaching XXXX COPY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got rebilled from XXXX for something I was told to throw away or donate because of covid, I have called them several times and have gotten disconnected after being on hold forever, cant get through and my email was never responded to. 
This nightmare began when my daughter received a Visa gift card and since shes a minor she used my XXXX account to purchase boots from them. She purchased them and used a {$10.00} note ( a credit ) ending inXXXX which brought the total to {$22.00} and the original transaction was on XX/XX/20. She received the boots and they were clearly used and one even had a sole insert in it. I was so mad that they would send something like that during covid. I called XXXX customer service for my daughter, mind you she is a minor and I remember for holding for a lil over 2 hrs and was told to donate them or thrown them away. We did, then I get billed again and never received a credit so it made no sense. XXXX customer service is horrible you can not get through and I am not willing to be on hold hold for a ridiculous amount of time anymore. I emailed them and they dont correspond. They are harassing me at this point because the gift card company did pay them off on XX/XX/20 and to top it off they charged the full amount not taking the credit for the {$10.00} note, they were paid {$32.00} and should not have been paid. Then I got billed from from Sentry Credit , Inc. Ive emailed them several times since I got the later and sent them all this attached also but Ive gotten to response. Please help me get a response and this settled. I pay my bills and I dont need this ruining my credit. I think covid just messed things up for everyone hopefully its a misunderstanding from covid and they get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
this is basically a continuation of my Complaint # XXXX, why I would like the Consumer Financial Protection Bureau to know that bank of America did not uphold it's promise to release my funds. 

I also want the Consumer Financial Protection Bureau to know that bank of americas and its representatives lied to me and they all gave me 6 different reasons why they can not release the funds, and there was only one department which I spoke to a representative names XXXX that told me which documentation I need to email him and then he will release the funds. 

I want the Consumer Financial Protection Bureau to know that I have emailed XXXX several times again and again and there's no answer. I an being ignored. 

I will attach to this complaint everything which I also attached to and provided to Bank of America, and I ask the Consumer Financial Protection Bureau to please give it over to bank of America.

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 2023-05-13
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this CFPB complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following account is erroneous and should be updated and corrected from my credit report : XXXX XXXX Balance : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
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 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 more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 section 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 non-monetary relief
Consumer complaint received 2019-05-24
Company: Medical Data Systems, Inc.
State: DC
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 contacted by Medical Revenue Service  at XXXX who left a voice mail on my work phone. I ask this company to not contact me at work. I also informed the company that I never received the bill and the person on the other line was rude and nasty. I continue to ask them not to contact me at my job. I ask them since I did not receive the bill could I have please have a hard copy of the bill and the person on the other line was nasty and rude and said no.

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 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I would check my account before going in a store and itll say I have the appropriate funds. If its on a Friday, by Tuesday Im hit with MULTIPLE overdrafts. 

Income tax time, if youre depositing a check, it takes up to 21 days for your funds to become available

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 2023-01-27
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification regarding a new collection account on my credit reports. I have had identity theft issues. This debt was already dismissed in XXXX XXXX because it is not mine. Now they have sold it to a debt collector. I've disputed this item, they did not send me any of the requested proof of debt under 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THE OVERALL ISSUE IS HOW SLS IS CALCULATING MY MORTGAEG PAYMENT EACH AND EVERY MONTH ( PRINCIPAL VS INTEREST BEING APPLIED ) THE SECOND IS THE FACT DURING THE HEIGHT OF COVID AND THE LENDER PUT MY MORTGAGE INTO A FREEZE STATUS, IT WAS STILL REPORTED LATE TO THE BUREAUS AS WELL AS IN NO WAY SHAPE OR FORM DID THE LENDER GIVE ME A CHOICE OF TERMS DURING MY MODIFICATION... .THEY AUTOMATICALLY PUT ME IN A 470 MONTH TERM WHICH IS ABSURD AND IN NO WAY DID I HAVE ANY SAY IN THE MATTER PLEASE 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 explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: CO
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 do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: WELLS FARGO & COMPANY
State: IA
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:
Wells Fargo charges to many overdraft fees

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