BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account was hacked through the use of a cloned ATM card issued through Bank of America. Over {$1400.00} unauthorized charges were made on my card. In addition, on XXXX occasions someone deposited a payroll check for {$600.00} in my account which did not have my name anywhere on it. This was XX/XX/XXXX. But on XX/XX/XXXX, the bank reversed the deposit because of fraud. Then the same check was deposited again on XX/XX/XXXX and reversed on XX/XX/XXXX. The person had to be in possession of a cloned card because my card was NOT stolen to my knowledge. But someone made charges and withdrawals which were out of character for my account. Although the charges may have been seemingly legitimate, they were not made or authorized by me. The temporary credits Bank of America made were all reversed on XX/XX/XXXX. That account had already been made deposit only and a new checking account and ATM card was issued. Because it takes 2 months for a change in direct deposit, my social security and XXXX XXXX check are still deposited in the old account until XXXX. With the negative status of my old account, my entire XXXX XXXX check was absorbed. Also my payments for life insurance, car insurance and several utilities were reversed. With only funds from my Social Security check available, I was able to pay my rent of {$910.00} leaving me only {$16.00} for the month. At he age of XXXX, maintaining my life insurance policy is critical to my financial stability. 
Bank of America said I authorized or gave my card to someone to create those charges. But no me is authorized on my account. I have been a good customer for over a decade. Nothing like this has ever occurred before. This financial status is a threat to my health. As a XXXX year XXXX survivor, require medical equipment and medication to deal with damage from XXXX. 
I do not suffer from XXXX or XXXX. I know my card was always in my possession. So a cloned card is the actual culprit. I need my claim reinstated and all funds including my XXXX XXXX check must be returned so I can correct my financial situation. A Bank of America representative said to get a loan. How can I get a loan with a balance of less than {$20.00} and no further deposits until 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 monetary relief
Consumer complaint received 2023-08-02
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 belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent dispute letters to you regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know you did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.

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 2023-09-06
Company: EQUIFAX, INC.
State: FL
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 2023-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in my police report and my FTC affidavit to the three XXXX, XXXX XXXX and Equifax to report fraudulent. I sent multiple dispute and had multiple phone calls with the fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent account .his notice is to inform you that you unlawfully reported fraudulent accounts. I have provided you a copy of my Police report a copy of my FTC affidavit that was provided to me from Federal Trade Common. I have followed every step I was told to do by your agency and by the Police department. Please delete and Block this fraudulent account, address of my credit report. the fraudulent information and account and inquires that are in question are as follows 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 XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX fraudulent addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX this is fraudulent and needs to be delete immediately. You have caused me great damage and embarrassment also with emotional distress and I was wrongly denied credit, housing and a job due to this fraud and your fraudulent reporting. Please be advised I will use this complaint and all the disputes in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: OK
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:
Equifax is reporting an account that has been settled. I did not give consent to Equifax to furnish this account on my credit report at all. I sent letters to Equifax about account XXXX and that it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
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 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 2021-03-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a Midland credit management company. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im a customer at KeyBank with a checking account. My husband went for a cash advance at XXXX XXXX XXXX XXXX on XX/XX/2023 and accidentally used my card ending in XXXX which was approved and my husband went to the cage to get the amount which was XXXX and total amount after the fee was XXXX. He didnt know he used my card on our joint account and was denied the funds at the cashier cage at XXXX XXXX XXXX due to different names on my debit card. On XX/XX/2023 the fee was reversed and the money went back on my debit card and that transaction disappeared on my bank statement. On XX/XX/2023 i looked at my account and it was debited XXXX for XXXX  XXXX XXXX XXXX  for the second time. I submitted a dispute for that transaction around XX/XX/2023 and received a provisional credit while they investigated the claim. On XX/XX/2023 I received a provisional credit reversal on my account which put me in the negative and also got overdraft charges. I called them and they said the dispute was closed and that I received the money from XXXX XXXX XXXX XXXX  which I did not. They opened another dispute and said I had to wait at least 45 days to see what the outcome is which I dont have 45 days to wait as I have bills to pay. I called XXXX which handles all the cash advances for XXXX  XXXX XXXX XXXX  and they stated the cash advance was not completed and submitted a reversal to key bank. I am submitting my email I received from XXXX stating that I never received the cash advance and also some bank statements that show the money taken out on XX/XX/2023. XXXX dispute number is XXXX. And the original KeyBank dispute number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several months ago in 2022. I received a notice from Americollect INC out of XXXX, Wisconsin. In this one page letter is requested payment from XXXX XXXX and said it was an attempt to collect a debt. The amount listed was incorrect because I had previously got on a monthly payment plan with XXXX and they were billing my account, so I knew instantly the amount was XXXX plus upon calling XXXX I was informed personally that they had not given my account to Americollect. I called Americollect and told them two things, I was disputed the amount and acording to XXXX they were not authorized to collect the debt. The agent informed me, which I already knew that I needed to put this in writing. I did this withing 2-3 days. I wrote Americollect and clearly stated that I was disputing the debt based on the amount and I was requesting verification of the debt. I speciallcally requested coppies of the original bill from XXXX, and I requested proof that they had a legal right to even collect the debt because XXXX was saying they had no record of my account being placed with them. I have proof of delivery from this letter that was sent to Americicollect which folloed the Fair Debt Collect Protect Act. Americollect never responded! Instead of responding they started a pattern on ongoing and persistant phone harrassment. For months and even to this day I receive at minmimum 4-5 automatic calls a day, including the weekend. I have called Americollect many times requesting the information, requesting that the harrassment stops and the harrassment continues and no proof of the debt or even their agreement from XXXX to collect this debt has been provided. I just spoke with a supossedly superviser earlier that week who stated that she " can't stop the calls '' and the only place that can provide me information about this debt is XXXX, YET Americollect has reported by to all the major credit bureaus, yet refused to comply with the federal Fair Debt Collect Act. They are blantly refusing to follow this act. I have attempted for months to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: OneMain Finance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My complaint is against one main financial, I was going to be late with my monthly payment in which my XXXX XXXX which has XXXX miles on it was used as collateral. I was basically forced into a refinance, my 2 refinance and I asked if it would add to my balance and it did. My refinance was done several years ago and making monthly payments and balance remains at {$12000.00}. I filled a complaint on line received a call from one main that went no where, high interest rate. The refinance only lowred my monthly payment that was it. Also the add on, roadside assistance, insurance in case I cant make payment was added on as well. My question is, are there interest they are charging in line with Alabama law? I dont have exact dates of latest refinance but it was around XXXX XXXX near covid outbreak. If there is a class action against I truly believe I should be included. I want online and saw numerous complaints about one main.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I was NOT sued - it 's the closest radio button to what occurred. My FIRST notice of this outstanding debt was an Alert from XXXX credit monitoring on XX/XX/2016. I contacted the collection agency and spoke with XXXX XXXX for information. Turns out its a bill from a drs office - I never received the bill for XXXX b/c they were admittedly mailing it to an address in XXXX XXXX - instead of my City of residence in XXXX. I informed them that they needed to remove this since I never received proper notice. After speaking to the Drs office who was apologetic about the mistake and indicated the collections agency would correct and remove as a mistake. Today I see that they added it AGAIN as UNPAID debt. Meanwhile the outstanding amount was paid YESTERDAY after a discussion with the Drs office. It 's retaliation and harassment. XXXX XXXX was refusing to acknowledge that their reporting was in violation of the FCRA during our phone conversation and intentionally pushed through an " UNPAID '' report to XXXX after I paid. According to the Drs Office - they notified the collections agency to cease and CORRECT the report - Clearly it was pushed through incorrectly on XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: ACIMA CREDIT, LLC
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Attention : Formal Complaint -Acima Inaccurate Reporting on Credit Bureau XXXX I am writing to make a formal complaint on Acima Leasing. I purchased a jewelry selection from Watch-N-Gold through Acima as financing option with no credit checks and NO CREDIT Reporting. NO credit reporting was an important factor in determining if I would move forward with ACIMA XXXX. 

During the months of XXXX and XXXX and including XXXX I experienced medical issues that impacted my immediate attention to connect with Acima to assure payments were successfully applied. However, at the end of my hospital stays, I actively connected with Acima to rectify any payments upcoming to assure account was in good standing. 

My payment failed and I immediately rectified the payment and contacted Acima to make an arrangement to satisfy payment. I did attempt to make a payment. Payments automatically set to deduct from my bank account for payment on a bi-weekly basis. 

I was not provided with any documents or lease agreement with any updated terms that entailed reporting to any credit bureaus is a requirement by ACIMA LEASING. 

I, XXXX XXXX XXXX have spoken to two agents that communicated that Acima does not report to any of the credit bureaus. XXXX XXXX and XXXX XXXX did provide me with this information. Also, at the time of deciding to choose Acima XXXX XXXX XXXX communicated this information to me. However, Acima reported a late payment on the month of XXXX. My lease is now paid and closed. 

I am requesting that this item be removed and to request another specific change to correct the information which is requesting XXXX to update and delete late payment for the month of XXXX. 

Please investigate this matter and delete and correct this matter as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was informed that my business account at US Bank - XXXX - XXXX, OH XXXX was in the negative for - {$64.00} on XX/XX/2017. So on XX/XX/2017 I went into the branch bank and and deposited {$90.00} leaving my account in a positive {$26.00}. I then brought some groceries at the XXXX totaling {$16.00} leaving a positive deposit of {$10.00}. 
Later on that afternoon, I go on line and see that I received a {$36.00} overdraft fee making my account a negative - {$28.00}. Then one of the tellers from the US Bank branch office calls me to inform me that I am now a negative - {$28.00} and I will also get XXXX more {$36.00} overdraft fees totaling {$76.00} plus the negative - {$28.00} which comes to - {$100.00} for {$16.00} of groceries when I had a positive balance of {$26.00} to start with. 
I am filling this complaint against US Bank for unethical banking practices and fee gouging.

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 2022-08-10
Company: Experian Information Solutions 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:
Names on Account : XXXX XXXX, XXXX XXXX Account Number : XXXX Dear XXXX XXXX Customer Service XXXX XXXX XXXX Department : Please review your records and find that my account is current. I have been a loyal customer to XXXX since XXXX. Please find that aside from the late payment in XX/XX/XXXX, that I have never missed a payment. 

Please find that my account remains in positive standing upon approaching the end of my lease in approximately two months. 
My payment for XX/XX/XXXX, was 35 days late which I resolved when I brought my account current in XX/XX/XXXX. 

The 35-day late payment for XXXX was not marked as late/missed on my credit report. However, my credit report shows that I have a late/missed payment for the month of XX/XX/XXXX in error. My XXXX payment was not 35 days late as reflected on my credit report. 
Due to the inaccuracy of the report, taken with my current good standing and history of my account, I am requesting a courtesy removal of all remarks of missed/late payments reported to credit bureaus for both account holders. 

ACTION : Please review my account and DELETE missed/late payment for the month of XX/XX/XXXX reported to ALL credit bureaus for both account holders.

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 2021-01-26
Company: Experian Information Solutions Inc.
State: OK
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:
Experian Deleted an account that was the result of Identity Theft XX/XX/XXXX XXXX. 
Today XXXX XXXX my monitoring service notified me that it was gain placed on my EXperian credit report. 
Per FCRA once an item is deleted is not to appear again on my personal credit report. 

Confirmation of the Deletion via Experian XX/XX/2021 EXPERIAN Report no XXXX ( confirmation of deletion ) XXXX ACCT NO 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