BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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, I received a text message from Bank of America saying that I transferred {$5000.00} Which I didnt. I tried to check my online banking I couldnt access it. So I called them trying to find out what happened. Apparently I was a victim of identity theft and my email, password and security question for my online account were all changed, then the fraudulent transfer happened. I managed to get back my account. I filed a claim that took them 2 weeks to file. Then I received a letter of temporary deposit of the {$5000.00}, then another letter on XX/XX/XXXX saying their investigation resulted in a false claim by me and that the amount will not be credited.

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 2020-08-03
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX - I paid XXXX XXXX XXXX  ( XXXX ) {$500.00} via debit card for services rendered, including intake tests via an outside facility ( XXXX XXXX ), since XXXX did not provide coverage for treatment at XXXX. The XXXX XXXX XXXX specifically said the {$500.00} was for medical tests performed outside of XXXX. 

XX/XX/XXXX - I paid XXXX an additional {$24000.00} cash via MasterCard, Visa, and XXXX XXXX credit cards. XXXX   business office assured me no further charges would be  requested since I was paying cash. However, they would submit claims to XXXX just in case XXXX would reimburse some of the fees. 

XX/XX/XXXX - I received a {$370.00} bill from XXXX XXXX for services rendered on XX/XX/XXXX through XX/XX/XXXX which totaled {$520.00}. XXXX paid XXXX a portion of the bill ( when XXXX theorectically should have reimbursed me instead ).  However, XXXX still charged me the remaining {$370.00} ( which I had already paid XXXX ). I continued to receive this bill from XXXX XXXX even after I explained I had paid XXXX cash for all services rendered. 

XX/XX/XXXX - I called XXXX again, after receiving several more bills, and told them I had paid XXXX already. They responded that I owed them {$370.00} for services rendered anyway. I wrote a letter to XXXX explaining I did not owe any money and that I had already paid XXXX. They returned the letter with a statement that I must pay XXXX, and subsequently turned my account over to a collection agency, ALLIED. This is now on my credit report. 

I filed a dispute via XXXX. The result of the dispute did not change the situation. 

After many attempts to contact the XXXX business office ( no one was answering the phone, email was returned as invalid ) I was at a loss of what to do. 

XX/XX/XXXX - XXXX sent me a bill for {$48000.00}. This bill said I had not paid ANY portion of the billed services. I continued to call the XXXX business office daily for several weeks before I was finally able to speak with someone named " XXXX '' on XX/XX/XXXX. XXXX told me to ignore the {$48000.00} bill. He said it was sent because someone had not realized the services were financed via self pay. He said he would contact the XXXX Director regarding the {$340.00} bill and call me back. He did not call back and did not return any subsequent calls or reply to several voice mail messages. 

I've sent email and called several times daily since XX/XX/XXXX with no one answering the phone or returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: IA
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:
" 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after the date of receipt '' Company is in violation of this

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 2020-08-11
Company: AMERICAN INTERNET MORTGAGE
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a total roof loss and submitted the insurance payment to Aim loans, they sent payment to me for a portion of the insurance check. They kept $ XXXXof the funds to refund on completion. I called on XX/XX/2020 to have an inspection done because the roof was completed. So the funds would be released back to me to pay my contractor. The inspector rescheduled for Monday XX/XX/XXXX and did not show up. On XX/XX/2020 I called XXXX XXXX XXXX that schedules the inspections for Aim Loans, XXXX referred me to another inspection company named Big Red XXXX, she gave me a number to call for an inspection his name was XXXX XXXX, he said XXXX XXXX was a distraction and he did not get enough inspections to full with and he told me that I needed to call them back for another inspector. I called Aim Loan 's and waited on hold because a supervisor was not available, I left a message for XXXX which her voicemail said she would return the call within 24-48 hours. My contractor has advised me that he would put a mechanics lien on my home if payment was not paid in full. Please help me with this situation, Aim loans is a horrible mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # 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 2020-08-11
Company: ALLIANT CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I entered into a purchase agreement with a private party for the purchase of a XXXX XXXX XXXX. I started the loan process with Alliant XXXX Credit Union on XX/XX/XXXX. At their request, I provided all required items. Alliant  kept sending separate requests for items instead of one request with all items needed to close the loan. The communication between XXXX XXXX and myself was horrible. Many times I reached and did not hear back, left multiple messages and even spoke to his manager XXXX. None of these avenues provided any successful results. After multiple unsuccessful attempts, after providing everything they asked for, I reached out to customer service and asked to work with someone else. At that point, I began working with XXXX XXXX on approximately XX/XX/XXXX. XXXX asked me for additional information including another payoff statement and additional paystubs. Again, I provided all items needed including an updated buyer/seller document ( already previously completed ) and waited. I waited a few days and nothing. It is now XX/XX/XXXX, well over a month since I began this process and today, Alliant CU advises me that can only cover 90 % of the car. The value of the car is XXXX but they have stated those can decide to use the value or the purchase price and theyve opted to use the purchase price with no explanation and have asked me to come in with XXXX down. I feel discriminated, I feel like my time has been wasted, I feel they misrepresented their process and at the 11th hour changed the terms on me to a less favorable option in an effort to deny my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have asked for a request to pay off the remaining balance of my account with a horrible company. The company have prolonged the process so the can continue making money with interest and payment fees. The first attempt of asking for the payoff of my account I was told inaccurate information ( would be faxed within the next 20-30 minutes ). I then proceeded to reach back out to the company after making the payment of the remaining balance that is listed on my account-with no pay off demand received from the company. I spoke with the first agent in which didn't recite the correct payment that was received from me by the company. I got the agent to research the payment I had just processed to make sure the company was not play with such a huge amount of money. After getting the recent payment information confirmed, I proceed to ask what the balance was on the account. The agent was completely confused and begin to argue with me. I requested to speak with the supervisor in which I was advised there was still a balance on my account and that I payoff demand was faxed to me on yesterday. The supervisor proceeded to tell me that a payoff demand take 48 hours to process after I advised him I never received such information. I proceeded to request one more payoff demand to be mail via mail to me. The supervisor was very irritated with me as well as the what I was requesting. In the middle of the supervisor processing my requesting and me voicing my opinion about how this is being handled, the supervisor hung up on me. The supervisor 's name was XXXX and was not nice at all especially to a person that was paying off their account. The request that I have asked from this company is not unheard of but how I was treated for attempting to fulfill my commitment to a contract was unprecedented. I had more time to review the company that was now over my loan and the company has several complaints as well as reviews about how their billing and services are handled. If this company has so many concerns and alarming complaints, why is there no one regulating this? Why is there no check and balances in place? Me being a consumer, I should not have to deal with issues like this coming from a company rated so high by the XXXX. I'm in complete awe and disbelief that I'm not having to reach back out to this company to confirm payoff request has been processed and being mailed to me. The values that are displayed within your employees is a direct reflection of this company and the services they have to offer! This company is not consumer friendly and they do not have the family values that are portrayed across their brand!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
I have recently acquired my credit, upon my review there are two bankruptcies listed that I have submitted numerous request to have the information listed on my credit reported to be verified and the proof be provided to me. Upon this date the credit reporting agency has failed not only to remove the inaccurate information but has also violated several laws. 

In accordance with 15 usc 1681 ( a ) ( 4 ) XXXX XXXX who provided the bankruptcy information infringed on my right to privacy. I also have a statement from the company confirming that the information that was provided was inaccurate and was removed from their data base. As a consumer I have a right to privacy. 

XXXX XXXX did not have a permissible purpose to obtain the information and place it on my credit report nor did I provide any written consent for it to take place this is a direct violation of 15 usc 1681b ( a ) ( 2 ). 

XXXX XXXX failed to list who they interviewed to obtain this information, this would be also a violation of 15 usc 1681a ( e ) With XXXX XXXX being in direct violation of these laws set forth by the government the credit reporting agency is liable as well due to them furnishing the inaccurate information for my credit report. Because of these inaccuracies I have been prohibited from being deemed credit worthy. 

I have enclosed documentation that will prove the inaccuracies and the violations the credit reporting agency has committed against me. 
Dates of disputes submitted on the matter XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2021-02-10
Company: HYUNDAI CAPITAL AMERICA
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kia Motor Finance - XXXX is reporting a late to my credit file that is erroneous. I had just bought the vehicle and was waiting for my first bill to come in the mail but it never came. I didn't have any in formation like acount number or balance to call and pay. I called them to let them know i didn't know how to proceed and they helped me out. It was not my intention to be late i just had no idea i owed them anything yet. I have made my payments since then on time and plan to keep it that way. I'm requesting that Kia Motors remove this late my credit file. It is not my fault that i wasn't billed and don't think this late way my fault. Kia Motors failed to communicate with me in a timely manner because even after my payment was due i never received any letters, notices, or calls about being late or i would have paid it immediately to avoid this going on my credit file.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my rights have been violated according to the law : 15 USC 1681 sec 602 a I HAVE A RIGHT TO PRIVACY and don't want these transactions and experiences reported from this account unless the negatives are taken off!

15 USC 1681 604 sec 2 the can not furnish this report without my consent 15 usc 166b my transactions or experiences can NOT be reported as LATE 15 usc 1681 A 2 a1 according to the law transactions and experiences are NOT INCLUDED IN THE CONSUMER REPORT also most importantly MY INFROMATION SHOULD BE ACCURATE and FAIR.. i have inaccurate information from this account which has effected my future of obtaining a home and a vehicle i have proof of inconsistencies and the law that is broken by this inaccurate information reported on my credit report

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 2020-08-11
Company: STERLING JEWELERS, INC.
State: AZ
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:
XX/XX/2019 - Fraud was performed in Kay Jewelers XXXX XXXX near XXXX Arizona. An unknown individual with my drivers license information opened an account, and purchased several watches totaling : {$5700.00}. 

This also happened at 3 other stores in the area. Those 3 stores ( XXXX XXXX, XXXX and XXXX XXXX ) all accepted my Victims ID Theft Affidavit and the fraudulent accounts were promptly removed from my credit report. 

XXXX XXXX XXXX Jewelers however, insist that I was there at the time of the transaction. They insist that the signature is my signature. This is after 2 tries at their 45 day investigation waiting period ... I'm getting no where with them. 

The XXXX Police ( I have an official report # XXXX, with XXXX XXXX on the case ). However, even they aren't able to get timely corporation with Kay Jewelers Security, to retrieve video footage.

Meanwhile I now have 3 missed payments and ~ $ XXXX worth of credit that's not mine on my credit report. 

This is during a time that I could be refinancing my house, cars, etc for good rates ... but I am severely affected by this and no one will help me. 

Do NOT do business with XXXX XXXX XXXX or Kay Jewelers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the Dropbox below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.

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 2023-03-03
Company: Experian Information Solutions 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00}.

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