BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America is in violation of two Federal laws in regards to a charged off credit card : XXXX. The debt is alleged. 15 U.S. Code 1692a ( 5 ) : The term debt means any obligation or alleged obligation of consumer ( me ) to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

XXXX. I don't have liability for the credit card debt. 15 U.S. Code 1692g ( c ) : The failure of consumer ( me ) to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by consumer. 

In addition, per contract law, credit cards are NOT negotiable instruments, which means they can not be sold or transferred, yet Bank of America did sell/transfer the credit card to multiple debt collectors.

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 2023-02-14
Company: ALLY FINANCIAL 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:
Ally Financial violated my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. They weren't given consent or permission to do so. This is identity theft and a clear violation of my consumer right and the consumer laws. This is a civil liability violation and penalty can and will be implemented for damages sustained.

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 2023-02-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX I filed a complaint # XXXX against ALLY FINANCIAL for continued refusal to provide by mail copies of my original contract documents for vehicle loan that occured on XX/XX/XXXX. After several attempt to get the documents over several months ALLY continues to knowingly and willingly withhold the contract documents with no explanation as to why this request is so hard for them to complete. After months of being lied to and told it will be sent within 10 business days it has now been 4 months. As of the date of this complaint they have reached out to me via phone and email ( see attached ) to continue to stall and gaslight when all I need is copies of the signed contract documents. There has been ample time and requests for this information and instead my rights continue to be violated by this company as they refuse a simple request from the consumer they are doing business with.

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 2018-07-23
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not owe XXXX XXXX for ACCT. NUMBER XXXX for an amount of {$640.00} I contracted with a Company to consolidate and pay my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I was on Covid forbearance with my FHA mortgage through XXXX XXXX. During Covid forbearance they were not supposed to report any late payments. When my time was up I did what they asked and started the process to remove myself from forbearance and restart the regular loan. While we were doing the process and I was waiting for them to approve everything they marked my account as late. It took them 2 months to get everything resolved on their end and they marked my mortgage late 30 days then 60 days. They told me that theyre allowed to do that while they were removing me off of forbearance, no matter what. They said anybody moving off of forbearance would be marked as late while they were removing them off of forbearance. It didnt make any sense to me. Now my credit is ruined for something I was told wouldnt happen if I went with the forbearance option during Covid. 


I also want to note that the first representative I spoke to gave me false information and tried to scare me. He implied that I was going to lose my house and he didnt offer me all of the options I had available to me. When they I totally approved my removal from forbearance they approved it with an offer I never asked for or approved. I then had to talk to someone else to get the right option approved of. This delayed the whole process and caused the payment to become 60 days late. 


I asked if I could make payments during this period to not be late and they told me I couldnt unless I paid the whole balance that wasnt paid during Covid forbearance. 


I felt extremely lost, anxious and really tricked during this whole process

Company response to consumer: In progress
Consumer complaint received 2020-02-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX. I received a written notice from I.Q. Data International stating  they were a debt collection agency and we're attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. This was the first and only written communication I have received from IQ Data International and have never received any communication from XXXX XXXX XXXX XXXX. 

On or about XX/XX/XXXX, I called the account Representative at IQ Data International, XXXX XXXX, for an explanation of the debt. Mr. XXXX explained that the debt is a result of additional charges due that were not covered by the security deposit upon termination of a lease at XXXX XXXX XXXX. I explained to Mr. XXXX that I formally disputed the debt. Mr. XXXX provided me the name and email address of his supervisor. And instructed me to email a dispute letter to her. 

On XX/XX/XXXX I emailed a dispute letter to the IQ Data International manager,  XXXX XXXX at the email address provided to me by Mr. XXXX advising IQ Data that I disputed the debt in its entirety. 

On XX/XX/XXXX, a derogatory entry was made on my son 's credit report. On that same date, I emailed Ms. XXXX demanding the entry be removed as the entire debt was in dispute. On XX/XX/XXXX, a derogatory entry was made on my credit report for the same debt. 

Currently, and as explained to IQ Data International, this debt has been disputed in its entirety and is working its way through the Civil claims court process.

I believe that I Q Data International violated the FDCPA law 809 ( b ) by entering derogatory remarks on both my and my son 's credit reports despite having been notified this debt being disputed in its entirety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX was filed in bankruptcy but is still being reported as an active part of credit through Experian. I have tried tried several disputes to have remove, but it remains the same.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-12
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to LVNV FUNDING to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/2022 and have yet to receive the information requested from the company. I have never signed a contract with LVNV Funding and do not owe this alleged debt. This has violated my consumer rights and disregarded my attempts to assess the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX 2023, Bank of America suddenly closed all my credit cards and forfeited my rewards. The reason is that my account had irregular transactions and my credit score is only XXXX. I contacted Bank of America as I believe that is a mistake as I never had an irregular transaction and my credit score is not low. But they refused to explain. I asked them to help me to pay unpaid balance as I could see my accounts online anymore. The representative muted me and her helper said she was disappeared and then the helper laughed and said he is XXXX XXXX XXXX and told me the bank can do whatever they like. Obviously Bank of America credit card department is having so much hate and playing a trick with a discrimination. Even some threatening. That is very serious.

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 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 paid for a service in XXXX of XXXX. The service was supposed to be rendered in the spring of XXXX. I cancelled the shoot. The merchant first agreed to refund me then proceeded to block me on all social media platforms and failed to refund me. I opened a dispute. She then made a distasteful social media post about me that was later shared and then she went on to create some fictitious policy and provided that to my credit card company. They sided with her and refuse to reevaluate the facts of this case which I have outlined below. 


* I never signed or was made aware of a cancellation policy/terms/agreement or whatever the merchant has since generated and drafted once I opened a dispute. 
* XXXX laws state that when a contract is not signed, the parties agree that an enforceable deal was ever reached. If you do not have a legally valid agreement, you can not bring a breach of contract claim. 
* When I paid for the photoshoot in XXXX of XXXX, there was never a secured date for the photoshoot. Per the invoice, it says XXXX of XXXX. When I was finally notified of the date around XX/XX/XXXX, I emailed the merchant notifying her that we were no longer available. 
* The law also states that a credit card merchant can not use a XXXX XXXX XXXX XXXX in a dispute since social media posts can be edited and altered. 
* The merchant has been dishonest. She agreed to refund me and then later created terms and agreements but blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX Wells Fargo contacted me regarding suspicious activity on a secondary account, while I was out of the country. I advised WFB that the card was not in my possession, and instructed WFB to cancel the card, deny the charges and I would investigate once I returned to the USA.

Upon my return it was determined the card was stolen ( possibly by the babysitter or her boyfriend ) and had been used multiple times while I was out of the country.

Upon examination of the charges and the time periods and history involved, and having reviewed this information with my branch and the police department I could identity 27 transactions with 100 % positive accuracy and 17 other transactions with 30 % accuracy. a result I am willing to accept the financial loss for the 17 transactions I am not 100 % positive about, however I have been victimized by criminal fraud and theft in the amount of {$2200.00} I filed a police report and identified the 27 unauthorized charges. WFB refused to refund {$2200.00} despite the photos of the suspect, because I failed to identify all charges, despite the photos of the suspect clearly not being me.

next time WFB stated the reason for the denial was due to no pin attempts. And the next time, due to no attempted usage after fraud reported.

I have provided evidence filed the correct police reports, and responded to all reasons for denial. WFB has denied my claim based on reasons to deny the claim, and not the merits of the case. As a result I have suffered a financial loss of {$2200.00} WFB implied recent action taken by this office ( CFPB ) has required the bank to deny my claim because they been fined XXXX XXXX dollars.

I have appealed the claim denial to the Board of Directors. I have retained counsel and intent to sue if the complaint is not resolved by crediting my account for the amount of the theft {$2200.00} on or before Friday XX/XX/XXXX, and intend to hold a press conference to seek Class Action participants with a XXXX XXXX on Friday XX/XX/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 2023-10-30
Company: EQUIFAX, INC.
State: TX
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX 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: In progress
Consumer complaint received 2022-07-12
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:
The Credit Bureaus had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my Credit File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform the Credit Bureaus about the theft of my Identity and that the items were never mine, the Credit Bureaus never cared nor paid any attention to my Disputes. The Credit Bureaus became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break tha Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against the Credit Bureaus but I will be generous enough to give the Credit Bureuas couple more chances to prove me wrong about my conlusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to invetigate was already over. I need the following Items removed now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$5000.00} Date Opened : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 around XXXX XXXX, I went to Capital One bank, branch located at XXXX on XXXX XXXX to make a payment using the ATM machine that they have inside of the bank, so I followed the instruction of the ATM and I put XXXX XXXX dollars ( XXXX ) inside the ATM machine.Soon after I put the money in, the ATM went down, I reported that to one of the bank employees who was walking back and forth inside the bank, so she said to me, I should not have any problem, if the ATM read my card, you just can go home and wait for your statement.I did exactly what she said to me. Two weeks later when I got my statement, I was charged for late fee.So the next day I went to the branch and reported that, they had me putting my name on the paper after a few minutes, somebody called me and she called the card number representative to report the issue. they said to me that, they investigated twice, no money was found, the fact that I did not have any receipt and the only evidence that I still have is the footage, I asked them to check the footage, they denied my request. I had to pay them XXXX XXXX XXXX XXXX dollars ( XXXX ) the full balance, the card was closed and they still charging me. However I have not been used the card for 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a personal loan on XXXX and got the following offer : {$3100.00} loan Payment terms : 47 months at {$350.00} each That comes out to {$16000.00} My mind is blown! 
How are these companies allowed to exist? 
Regulations needs to be put in places to protect consumers. 

Of course I did not accept the loan and want to help protect others from companies like these. 

I have a screenshot to prove it. 

Thank you for investigating this! 
Cheers!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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