BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
A credit card from several years ago for a company no longer in existence was charged off. Bank of America deducted {$2800.00} from my account today which leaves me unable to pay rent. When I called them they said they were sorry and there was nothing they could do about it. I asked if I can set up a payment arrangement and they said yes and that if I did, that would make it so they don't take all but {$100.00} from my account. I asked If I did that, would they reverse the charges and set up the payment arrangement they said no because the deduction is still " pending '' and there was no payment arrangement in place. I told the representative I was not told to set up a payment arrangement nor that if I did that it would stop the payments from taking all my money and leaving me with only {$100.00}. As far as I'm concerned, Bank of America committed fraud and has now put me in a position of becoming homeless as a result of their inability to communicate my ability to make payments and instead withdrew all the money in my account leaving me with {$100.00} and no rent money.

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 2023-11-02
Company: EQUIFAX, INC.
State: LA
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I tried reporting my credit card as stolen in the year of XXXX because of unauthorized charges that were located in my account. Also disputed with XXXX and nothing was resolved. 
On XX/XX/XXXX of XXXX I noticed that there was a fee of XXXX and there was no purchase made by me at the time, I paid it off on XX/XX/XXXX of XXXX. 
On XX/XX/XXXX and XX/XX/XXXX of XXXX there was an unrecognized charge on my account and I was charged a {$40.00} late fee in XXXX and XXXX. 
Then in XXXX of XXXX is when I noticed my card was lost and that made me realize that those were unauthorized charges located on my account. 
I dont remember the exact date or month but I did attempt to report my card as stolen on the Chase app but nothing happened and I also disputed with XXXX and nothing happened as well and I was steady getting charged late fees until my account was closed. 
Then in XXXX of XXXX it hit my account as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: BMW Financial Services NA, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I leased a car from BMW for 3 years and never once had a late payment. At the end of my lease I sold my car back to BMW and they gave me a check. Apparently there was a closing cost that I was not aware of, and Im not sure why they wouldnt just subtract that cost from the check they handed me. A month after selling back to BMW i moved so I was not aware of any mail sent to me and they did not send emails. I have since paid the {$300.00} closing cost but bmw dropped my credit score a significant amount and told me that for the next 7 years they will have a late payment status on my credit report. My credit score was XXXX and is not XXXX because of this and I am unable to raise it again. I have no late payments and have never missed a payment so I feel that this is a misrepresentation of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a 3rd party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
US Bank Reliacard is in violation of Reg E. There are security issues with Reliacard. I gave had to get replacement cards and pay rush fees. US Bank Reliacard violates Reg E by not investigating my fraud claim, and simply closing without investigation to avoid giving provisional credit and to avoid investigating.

Twice now, the card has been compromised with XXXX transactions that I did not authorize. Reliacard complied with Reg E the first time fraud happened and they resolved in my favor. However, US Bank Reliacard did not stop XXXX the second time and did not notice the fraud. 

The exact same circumstances occurred again with XXXX, and I tried calling them but it took two days to reach US Bank Reliacard. The fraud was reported on XX/XX/2020. 

Despite knowing that I've been the victim of fraudulent XXXX charges in the recent past, this time, US Bank Reliacard did not even investigate and did not provide me with provisional credit within ten business days in accordance with Regulation E. The investigations can take up to ninety days, but to avoid complying with Reg E, US Bank Reliacard closed it to avoid investigating and to avoid provisional credit.  US Bank Reliacard found XXXX charges were fraud and resolved in my favor a month earlier, yet they ignore the preponderance of evidence and don't even investigate.

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 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd  party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

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 2021-03-26
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:
I HAVE BEED CONTACTING AND WORKING WITH THE LISTED CONPANIES AND THE CREDIT BUREAUS FOR ALMOST A YEAR. THEY HAVE REFUSED TO LOOK INTO MY CREDIT REPORT. THEY CONTINUE TO SEND ME A REPLY, THAT THE INFORMATION IS CORRECT. I'VE ALSO CONTACTED THE COMPANIES AND WAS TOLD THEY NO-LONGER HAVE ANY RECORDS. THEY REFERRED ME TO A COLLECTION AGENCIES, THEY WANT ME TO CONFERM MY FULL ADDRESS AND SOCIAL SECURITY NUMBER. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX  XXXX {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a    XXXX   XXXX      from  Toyota f inance company around     XX/XX/XXXX - XX/XX/XXXX . In to the loan I ran into financial problem. I was taken to court and I was hit with a Child support bill and back pay. That crippled me for about 6 months. I could make the payment so I called and told toyota to come pick up the  XXXX . They came and got the  XXXX  and sold the  XXXX  at a auction and sent me a bill of  XXXX  to pay for the  XXXX . If i had  XXXX  to pay i would have kept the  XXXX . Now I have this law firm    XXXX   XXXX   XXXX   XXXX    harassing me. After the first time th ey where rude on the phone i blocked their number so I would not get calls from them. Then I went to pay m y Auto lo an online this month and it was denied. I called the bank and they told me that  XXXX   XXXX   XXXX   XXXX  has a lien hold on my bank account and will not let me take out any money. With no access to any money what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX
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/2022, my bank text me a fraudulent asking if I had made a purchase from XXXX in the amount of {$530.00}. I immediately responded that the charge was not mine. I then called XXXX. XXXX quickly shut my account down. I called my bank who told me the charge was pending and I would need to go in to a branch to do the paperwork. On Monday the XXXX I went into the bank to submit my claim. My bank put the {$530.00} back into my account pending their investigation. On XX/XX/2022 my bank took the {$530.00} back out of my account stating the dispute has been investigated and they have found the purchase to be made as correct. I have a letter from XXXX stating the charge is not legitimate. I went back into my bank on XX/XX/XXXX to show them the letters I have. The bank then told me the investigation was over and there was nothing further they would do. We had them call the fraud department who also said there is nothing further that they will do. I do not feel they properly investigated the charge. My bank is who notified me of the charge and I immediately responded that I did not make the charge. I strongly feel at that moment the charge should have not been allowed to go through. Where it stands now, XXXX can see on their end that the money was returned to me by my bank and that the case is closed. XXXX can not see that my bank then took the money back out of my account so now it is still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: SUNTRUST BANKS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom this may concern I have a very big issue and a very big problem With SunTrust bank I believe they are in federal violation, You usually must be notified at least 15 days before your loan servicing is transferred to a new servicer. ( And I wasnt notified ) During a 60-day grace period, you can not be charged a late fee if you mistakenly send your mortgage payment to the old servicer The new servicer can not report to a credit bureau that payments were late. ( they are reporting me to the credit bureaus 3 months late ) the housing act require lenders or servicers to Give proper notification when the loan servicing is going to be sold. If your current servicer plans to sell your loan servicing, you must be notified at least 15 days before the effective date of the transfer unless you received a written transfer notice at settlement. The effective date is when the first mortgage payment is due at the new servicer 's address. 




In XX/XX/XXXX I took out a loan From XXXX XXXX XXXX   And I set up automatic payments with them to make sure that all payments are made Promptly and On time, in XX/XX/XXXX I checked my credit report to take out another loan, And shockingly I have 3 months Late From a bank That I never dealt with I never took a loan from them The name of the bank Is SunTrust bank After I called them to inquire what is going on They explained to me That They took over my loan from XXXX XXXX XXXX Going back XX/XX/XXXX, I did not even know They took over My loan from XXXX, I never got a notice From them That I have to start making payments to them And now They are refusing to remove the derogatory items from my report, SunTrust Was supposed to contact me To make sure there I know That is they are my new bank And to make sure that I am paying them Thank XXXX I do not have an issue With funds and I can prove it that I had funds in my account. They did not do Their part in contacting me to make sure that I know that they are my new bank, The bank has 3 addresses For me 1- is a p.o. box and 2- is my home address and 3- is the property address The bank claims they sent a welcome  letter To my pill box which I never received They never made any other attempt to contact me or to send me letters to my other addresses At least the property address but they did not And I am losing money each and every day because of them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.

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 2017-05-18
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency is attempting to collect on a debt that I do not owe to the original creditor. The collection agency is aware that this is a debt that was subject to a lawsuit in small claims court. I won a judgment and was declared not to owe anything to the original creditor. The original creditor owes me monies. The collection agency is aware that this is a disputed debt and has yet to validate the debt despite repeated request to do so. I have attempted to work also with the credit reporting agencies to remove the debt from my credit to no avail. The collection agency keeps reporting and updating my credit report with negative information about this disputed and invalidated and fraudulent debt. I have had financial issues due to this ( have been denied credit, have received a higher interest rate )

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 2021-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive made numerous attempts to remove this account due to identity theft. I even sent the documents requested by the bureaus.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd p arty agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

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 2023-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Reached out to Bank of America about a credit card being opened under my name that I did not apply for or had knowledge about. Bank of America struggled to find the account even with information provided as well as proof of it existing ( already showing on credit report and emails about card activation ). Asked to be removed from my account and closed which they stated they would look into but that they do not send correspondence out regarding it. Do not know if they actually proceeded with the process or not.

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 2023-05-01
Company: EQUIFAX, INC.
State: NC
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:
Plea

se remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.

Company response to consumer: Closed with explanation