BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
After I opened a credit card account with Bank of America, the company started sending me unsolicited and unencrypted email messages containing my personal information similar to the one that is attached. 

Bank of America has not provided any options for me to contact it regarding those unsolicited emails other than by telephone, which is for the reasons that I will not disclose here is not my preferred mode of communication. 

The only option for me to contact Bank of America in writing appears to be is the CFPB portal where I can be sure that the message will be delivered to the Bank. 

I understand that could have made an appointment with a Bank of America representative at a local Bank of America branch to discuss the issue, but I'd rather not to do that at the time of the public health situation that this country is experiencing now. 

I would like to request Bank of America not to send me unsolicited and irrelevant email messages and whenever it needs to send me the information related to the activity on my account via unsecured channels of communication, protect my private information by encrypting it. 

Thank you. 

P.S. Another issue that I had previously informed Bank of America about, but have not received any response on, is that the color scheme used by Bank of America on its credit card makes the credit card number hardly visible for certain class of consumers. The credit card is of dark red color similar to the one that is used on a Bank of America logo and the credit card number printed on the back of the card is printed in yellowish-greenish gray color. There is a class of people who will not able to see clearly the yellow-greenish gray on the dark red. It is unfortunate that in order for me to inform Bank of America of this sensitive issue I need to use the CFPB portal since there are not other effective means to deliver the message to the company.

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 2022-04-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America is fraudulently converting idle accounts to accounts that require payments. They have charged me for 3-4 months after converting my virtual banking account to some other account *without informing me*. There has been a lot in the news about companies converting idle accounts so I logged in to a bunch of places including my BoA account to discover they did indeed do so! 

I am abroad and BoA refuses to talk to me via email or provide a toll-free number, therefore avoiding the issue. In the first place, they should not have converted my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C.SYSTEM INC. is reporting a debt owed to XXXX for {$910.00} and I never had any accounts with XXXX. I wrote a letter to I.C. Systems and requested validation of the debt. I requested a copy of my signature on the contract they should have. All I got from them was a statement from I.C. Systems that that is verification and a statement from XXXX with bill period of XX/XX/XXXX- XX/XX/2017. These statements only have my name and address. No proof I incurred the debt and or if I am the right XXXX XXXX. I've never XXXX or XXXX XXXX as they show. I only use prepay phones through XXXX. Before finding this on my credit file. No one has sent me letters or attempted to contact me before listing it 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 2023-02-25
Company: Klarna AB
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX, I reached out to Klarna about an unauthorized charge. For the past few months, Klarna has ignored my cries for help. They will tell me to call them to investigate. I call in and they don't do anything. I actually will receive emails telling me to call in by a person named XXXX. I even emailed him to say I am calling in. He is ignoring me and the company is refusing to help a loyal user of their services. And they keep stealing my card information and trying to charge me for something I didn't authorize. They are legitimately debiting a card that I have to give prior authorization for the payment to be complete. I am not giving my consent nor will I give my consent to have an unauthorized charge debited from my bank account. I reported them to the XXXX and they will share that they tried to reach out to me to give further assistance. Then why do I have a series of emails ( that I will attach to this complaint ) showing them dodging the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: HYUNDAI CAPITAL AMERICA
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kia Motor Finance mailed checks refunding to me three of my on-time payments and then falsely reported me to credit agencies as having made late payments. 

I mailed to Kia an official dispute ( see attached ), and rather than correcting their error, they denied my dispute ( see attached ).

Kia changed my account number without explanation or reasonable notification. Kia did not notify me that they would reject payments to the old number. Kia included with the refund checks no explanation as to why they were sent. Kia did not simply forward my payments through their accounting system to the new account number.

Kia 's telephone support personnel repeatedly asked me if I had traded in my vehicle or initiated some kind of change, and I informed them I had made no change whatsoever. They commented that such a change in account number is unusual. The fact that they all regarded the change as unusual, after having had a great deal of difficulty even identifying their changed number as the cause of the problem, highlights that Kia caused the problem.

If a problem occurs, and Kia is even SLIGHTLY at fault, I would hope they would not blame me. While I wish I had detected the changed number on the bills and intervened to change the apparently crucial account check memo number on my XXXX  XXXX XXXX electronic check payment, in this situation, Kia was not slightly at fault, but LARGELY at fault. 

Even if the fault is debatable, it gains Kia nothing by refusing to retract their adverse credit agency reporting against me, and may lose me as a customer forever. In spite of being repeatedly told by their phone representatives Kia would waive late charges, late charges are still appearing on my bill. 

See attached documents for dates, addresses, and evidence from Kia 's own web site for received payment dates.

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 2020-08-14
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 an individual impersonating another individual scammed me into sending an ACH payment of {$150.00} USD through PayPal Friends & Family. 

I have notified PayPal and they are investigating, but doing a lackluster job. 

Through personal research, I know this individual is named or uses the alias XXXX XXXX XXXX. I know he uses the email addresses XXXX, XXXX, and most recently XXXX in his scams. 

S/he also uses the online moniker @ XXXX. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX OPENED : XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX. 
Account # XXXX XXXX opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collections opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing this account since 2015 and they would not remove it cause its not mine and I have never lived in Ga before so I have been trying to get them to remove it and show me proof that I open this account and they cant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: MD
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:
Equifax continues to report inaccurate payment history for the XXXX account ( XXXX XXXX ). 

This vehicle was sold on XX/XX/22 as a trade-in for a new vehicle ( documentation is attached ), yet, Equifax continues to report current payment activity as if the account is still active.

I am requesting Equifax remove this account for erroneous payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received a SBA loan for my XXXX. JP Morgan Chase bank is holding my funds because they stating that the funds was deposited into my personal account. I was told that is that is not legal and I would have to obtain a letter form a lawyer or cpa stating my business is legit. I provided them all the documents I submitted to SBA as well as my contract from SBA They told me this is not sufficient. I contacted SBA that told me that this is not illegal. I went into a branch talk to a banker and explain to them what SBA expressed to me but they stated its nothing they can do. They are now in the process of closing my and the funds will just stay there until whenever. My daughter 's high school account is restricted too. They will not allow her to get her neither. I need to pay my employee and not able to. I feel this is part of Systematic Racism and they are giving minorities a hard time. I have been a customer of Chase bank since XXXX. 

Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: LendingPoint Holdings LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
At the XXXX website, there is an entry for a hard inquiry by XXXX on 2021-XXXX that I did not authorize. The XXXX website does not seem to allow for this to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern : On or around XX/XX/XXXX a letter from XXXX XXXX  who is acting on my behalf forwarded a dispute and inquiry to XXXX. TransUnion received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the TransUnion address is correct and mailing was complete. Thus, it is presumed TransUnion received this letter pursuant to Florida and Federal law. See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. XXXX XXXX, XXXX XXXX XXXX " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 1XXXX XXXX XXXX ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( XXXX XXXX. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). IN THIS INSTANCE DSK Law properly addressed and mailed to TransUnion the dispute and inquiry on my behalf. TransUnion has received the dispute and inquiry from XXXX XXXX. Thus, TransUnion is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. Furthermore, TransUnion is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX and allowing outdated information to remain on my report XXXX XXXX. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). XXXX XXXX is reporting information it knows to be false regarding one of its affiliates purporting that I defaulted on a credit card. On a card that I had there was a payment made on a date that is less than 30 days from the previous payment. Typically in order for a person to default the person must at minimum be at least XXXX to 180 days behind. I was not 90 or 180 days behind. Please investigate this matter as XXXX is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. Thank you for your attention to this matter and I look forward to hearing from your office soon. Sincerely, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is  wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX I made an attempt to deposit money through a several ATMs. The ATMs werent taking deposits. We only have one physical branch in the XXXX area. But there are several satellite ATMs. I went to every one of them and had no luck. Every ATM was either not accepting deposits or the machine was out of service. Due to the fact that I dont have a way to get to the branch all the time and I homeschool ATMs are my lifeline. Because I couldnt get money in NFCU returned a automated payment of mine from XXXX. On XX/XX/XXXX I again attempted to use the ATM at the branch and it took me through the whole process and then said it couldnt accept my deposit. I immediately contacted Customer Service as I have done many times before regarding the availability of ATMs in my area. I was told that people have been complaining and they have been working to resolve the issue. There was no remedy that I was offered except to submit a complaint. I explained that I had done that and all I was told is that the pandemic caused them a lot of issues. While I get that NFCU is suppose to make ATMs available for customers to pay bills and maintain their accounts. I had to drive to two separate locations before my deposit was accepted. This is an ongoing and continuous issue. Now I am left to pay fees for a returned payment because I couldnt get the money deposited. This has been going on since XXXX and I have been patient but this issue needs to be addressed formally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
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:
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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: NJ
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 a medical bill thats under {$500.00} on my report multiple times over a few years time in an attempt to have it removed and it has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Comenity Bank continues to use various debt collection companies to report debt from several years ago as new debt. It was an result of identity theft which happened several years ago. Recently they added to my credit report an Ann Taylor card of {$500.00}. They are reporting on my credit that it was debt charged off and owned as of XX/XX/XXXX which is not only inaccurate but was reported as theft dating back to XXXX. They are using companies like XXXX  and other debt collection companies to keep moving the fraudulent debt around. They did this with New York and Company also.

Company response to consumer: Closed with explanation